MCOL address listing fears...

mcolhelp

I have a claim for a loan that was given to someone circa 5 years ago for £2,500.

This still has never been repaid and the other person is now ignoring me. The person had since became very nasty and threatening but nothing I can prove on paper as it was all in person when I went to meet ages ago.

I was going to issue a MCOL claim, but then started to worry what to do if I felt I was in danger by having my address on a claim - what if he came to visit? More importantly, if I wasn't there and just my elderly parents were? Or should this not really be a concern of mine or is there something else I can request the court to do in terms of protection?

mcolhelp

Sorry, I forgot to add - thanks in advance to those who will reply

pmduk

If you knew each other well enough to loan this money, surely the other party already knows your address? If you get any threats, just contact the police.

spacey2012

Did you have a credit licence ?

agrinnall

spacey2012 wrote: »

Did you have a credit licence ?

What's the relevance of this question? Do you think it's illegal for one person to lend another a sum of money?

spacey2012

agrinnall wrote: »

What's the relevance of this question? Do you think it's illegal for one person to lend another a sum of money?

Yes It can be in certain circumstances, where it is not, recovery can be extremely difficult.
It is to charge interest and very difficult to recover unpaid money lent returned without a signed agreement via county courts.
Then if you have a signed agreement and no licence, you have no agreement as you had no licence to formulate a loan contract.
So catch 22 exists and if the other party denies lending the money or insists it was a gift, you are ****** .

wealdroam

spacey2012 wrote: »

Yes It can be in certain circumstances, where it is not, recovery can be extremely difficult.
It is to charge interest and very difficult to recover unpaid money lent returned without a signed agreement via county courts.
Then if you have a signed agreement and no licence, you have no agreement as you had no licence to formulate a loan contract.
So catch 22 exists and if the other party denies lending the money or insists it was a gift, you are ****** .

But the OP wasn't asking about whether it was possible or not to recover the money.
Nor how difficult it might be.

The OP asked about how to protect himself from the borrower should his address be revealed.

spacey2012

There wont be a case, if it is revealed the OP claims to be owed money but has not furnished the owing party with an address to pay it to.
Well they will be, for about 20 seconds.

MamaMoo_2

spacey2012 wrote: »

There wont be a case, if it is revealed the OP claims to be owed money but has not furnished the owing party with an address to pay it to.
Well they will be, for about 20 seconds.

As long as the OP has provided bank details or a PO Box/forwarding address etc, surely that's all that matters? He doesn't necessarily have to give the debtor his personal address if there is a legitimate reason for not doing so.

arcon5

I doubt a case like this would be thrown out by a judge, unless op was acting in the course of business.

If he comes to your home with threatening behavior then call the police.