Owed money

innovate

https://www.gov.uk/make-court-claim-for-money/enforce-a-judgment

[Deleted User]

Not sure what this thread has to do with Budgeting & Bank Accounts, but anyway...

gorgeousgeorge wrote: »

Should I contact MCOL then?

According to the response given to you is post#2, that is one option if you plan to instruct a court bailiff

gorgeousgeorge wrote: »

What I was asking was when I should expect payments to start from ? Do I have to wait a certain amount of time from when judgement was made against her?

You need to refer tothe judgement the court made.

gorgeousgeorge wrote: »

Unfortunately was a victim of a sob story it seems, and tbh can't afford to escalate this any further I don't think, unless I can be guaranteed the monies owed to be paid back .

You should have considered that before throwing more good money after bad

gorgeousgeorge wrote: »

I have no written proof of loan, apart from messages on Facebook .... Could kick myself , was always brought up to be nor a lender or borrower be :mad:

You have a court judgement; that is all you need

gorgeousgeorge wrote: »

Should I try contacting her again personally?

Always worth trying to resolve matters between yourselves, if possible, no matter what stage you are at.

gorgeousgeorge wrote: »

How much does it cost to take things further, and what does it entail?

Details of court costs (for England & Wales) can be found here:
http://hmctsformfinder.justice.gov.uk/courtfinder/forms/ex050-eng.pdf

Hooloovoo

It'll cost you another £100 to send bailiffs.

You can add that cost on to the amount to be recovered. However, bailiffs have no right of entry and if the defendant simply ignores all communication and doesn't invite them into their home, there is nothing they can do. They could take a car off the driveway, if there is one.

High Court bailiffs have more powers, but will cost you even more and you'll have to get the case converted first.

From personal experience - just write this debt off. You will not see that money again, and throwing more money at the problem will simply increase your loss.

Take solace in the fact that you've messed up their credit history for the next six years, and move on.

Archi_Bald

Hooloovoo wrote: »

Take solace in the fact that you've messed up their credit history for the next six years, and move on.

To be precise, it's the person who hasn't paid back her debts who has messed up her credit history - it's not the OP's fault. But I agree, I would take a certain amount of satisfaction from her having serious problems with her credit records.

PeacefulWaters

gorgeousgeorge wrote: »

Thanks for such a helpful answer !

It's a lot of money when just living on a stats pension

It's an awful lot of money to a young family with a huge mortgage too.

I'm sorry you seem to find the answer unhelpful. I don't envy your situation and would be greatly frustrated in the same position.

But your chances of recovering the money are very low. You can spend money and emotional energy pursuing it and might still get nothing back.