Can we take his guy to court?? please help

norabee

My now husband took a loan out for a "friend" of £10K (once all paid back was £16K) as he had a gambling habit and had some very nasty people chasing him (so he was told) as this was a life long friend he didnt hesitate to do it. Not long after this "friend" was arrestd and sent to jail for fraud - he tried to "remortgage" another friends house and tried to take a loan out in his mums name. Anyhoo, my hubby has letter from when this guy was in prison firstly promising to make the loan payments and asking him to take a further £17K out (thankfully he didnt!!) this was bout 6/7yrs ago - recently he started texting and facebooking claiming he would begin to repay - which happened for 2 weeks at £53 a week now he has stopped - we have all this info - can we take him to court??

C_Mababejive

What for? Your husband took out the loan and effectively gifted the money to this man. Your husband owes the money and in all likelihood,there is little or no prospect of recovering it. You will likely be throwing good money after bad chasing him for it. Maybe you could pay the bad men who were supposed to be after him,to go after him again for OHs money?

norabee

for not paying back what he said he would??..Its already been paid back, but we have letters/texts etc promising to pay bacl the money - does that not stand for anything?? and yes i wish we could pay them to do him over, but not that sort of person!!! unfortunately

norabee

sadly that is not a possibility, its a small town!!! We obv have to just put up and shut up, which is a real shame. Just a shot in the dark to see if legally we stand anywhere. thanks tho

Enfieldian

£16,000 at £53 a week?

Wow.

chesky369

Even if the case was found in your favour - which it probably would be - there is absolutely no likelihood of getting your money back. And you would have had to shell out for the court costs and legal fees if you had a solicitor.

The best thing to do is learn from the experience and move on.

climbgirl

norabee wrote: »

but we have letters/texts etc promising to pay bacl the money - does that not stand for anything??

The letter might hold some weight in the court depending on its contents but texts and facebook comments won't stand up to much.

Even if they do rule in your favour, there's no way of enforcing him to pay back the debt if he doesn't have the money. Your call, but it seems like you're throwing good money after bad.

geoffky

just give it up as a life lesson.going to court and winning where the judge orders him to pay £20pm is possible but do you want the hassle.good luck with your decision

paddyrg

Sounds like the 'friend' has a serious problem, probably meant well by trying to send you £53/week, but his problem overtook him in some or other way again. Gamblers are universally bad at money. I doubt you'll ever see the cash back, treat any efforts to repay as a bit of an olive branch and a chance to have an extra egg with your chips that week, but court won't help things IMHO.

opinions4u

Gamblers are universally bad at money.

Some are exceptionally good at money.

Some are fine with money and see it as a hobby.

A minority are addicts with a problem who should not be given the opportunity to use anynody else's money.