Please help, owed money, need it back!!!!

MEM62

abuttyout wrote: »

If you don't manage to get any money off him, just be glad you've ( his fault ) ruined his credit history for the next 6 years.

Which is likely to have zero impact on him as he doesn't borrow from financial institutions. He takes advantage of girlfriends and 'borrows' from them instead as they (a) can be gullible and (b) don't run credit checks.

ReadingTim

abuttyout wrote: »

If you don't manage to get any money off him, just be glad you've ( his fault ) ruined his credit history for the next 6 years.

You won't get any money off him because he hasn't got any.

If he had some, he wouldn't be borrowing would he? And if he's resorting to borrowing from friends and family rather than banks, his credit history is probably pretty poor anyway. This will have little impact.

Finally, the time, effort, cost and stress of going through the legal process necessary to achieve this outcome is likely to cost the OP far more than it'll ever cost, or damage the ex-BF. There is absolutely no point in throwing good money after bad.

Sorry if this isn't what you want to hear OP, but the best thing is to simply move on and chalk it up to experience.

Herzlos

Peer pressure sometimes works in cases like this, if he has any shame.

I'd talk to him mum & friends if you've got any communication lines open, explain what happened and that you're serious about taking him to court.

Carrieanne

He sounds like a complete rotter. Pay no attention to the defeatists who say forget the debt or that you'll never get it back. Keep reminding yourself he's stolen from your kids, which he has indirectly, and that you won't allow him to shamelessly slope off with the swag.

chesky

Before going further with legal action, please find out how much it's going to cost you.

Gambler101

Take the loss, move on and vow to never lend money to anyone ever again.

If you ever feel the need to help someone out gift them the money if you want to and can afford it.

System

MEM62 wrote: »

Which is likely to have zero impact on him as he doesn't borrow from financial institutions. He takes advantage of girlfriends and 'borrows' from them instead as they (a) can be gullible and (b) don't run credit checks.

It will have an impact. It isn't just borrowing money, you get credit checked for all kinds of things, even things you probably are completely unaware of. It is things like getting a new mobile phone contract, getting a new house phone contract, getting a new internet contract, being able to move and failing credit checks with letting agencies, having to have gas and electric on expensive token meters because he will fail a credit check.

System

chesky wrote: »

Before going further with legal action, please find out how much it's going to cost you.

£35. That's how much it costs to claim via the online service. And the best part is if he doesn't turn up to court its a default win for you even if you actually had no case and would have lost.

chesky

Tarambor wrote: »

£35. That's how much it costs to claim via the online service. And the best part is if he doesn't turn up to court its a default win for you even if you actually had no case and would have lost.

I meant find out what it costs if he doesn't pay after the court hearing. Would she apply for a warrant, then escalate to a high court, get bailiffs involved? It's a good idea to find out what each stage would cost, then decide how far to go down the road.

It's easy for me to say but I'd chalk it up to experience, learn from it and NEVER do it again.

MrsL2004

I'm prepared to take it as far as I can afford to. I can't do anything until August 5th now, as that's the end of his 14 days. I keep phoning the mcol (claim people ) helpline, but can never get thru to them which is very frustrating!

I just can't accept it and move on. Not so soon xx