The ex owes me £500.. What to do?

[VR6_Wherry]

Grow up -it's is nothing to do with anyone else.

You mean by involving her mum? And people who say grow up are usually infants themselves

Certainly mature enough not to involve anyone in my own personal business and trouble a person (ex girlfriends mother) who has nothing to do with the dispute, or anything else her daughter does.

Did that make sense in your head?

Involving someone's parent is not immature..

Cleary she has refused to pay back the £500 that she has borrowed. Before taking it to the courts, why not merely ask the person who you would assume she respects to have a word with her. No one has said go round to the mothers house and steal £500 worth of stuff...

Does a mother not have a responsibility to ensure their children uphold moral values.. like I don't know... not stealing??

[simonpolly]

Grow up -it's is nothing to do with anyone else. Small claims court will cost around £50 to reclaim £500. Citizens Advice will provide forms, it's a simple process and very informal and you do not have to use a lawyer to represent you.

I think you will find its called light hearted banter besides he has no chance of proving she owes him the money text message or not.

[northeast_gti-t]

you trusted a woman to keep her word 

then asked blokes about it 

  Nicely put chuff

[WadGTI]

Be glad she is gone...£500 in some cases is a small price to pay   

[Kerrse]

Yep sorry  defo kiss goodbye to it  not a chance she will pay it back !

[The Mighty Elvi]

He's what you do.

You write to her via recorded delivery that you will give her 7 days to pay back the money. Failure to receive the money by then will result in you "having no option" to take her to the County Court.  (Small claims court is part of County Court)

For a small outlay (£50-70)  You can do it all ONLINE.

https://www.gov.uk/make-court-claim-for-money/overview

Explain in the letter that it's in her best interests as based on the "Tex message" you have, your "lawyer"  or CAB etc.. has advised that your claim is strong...and that judgement in your favour will affect her credit rating and ultimately cost her more than £500 (add CC Fee and your costs, travel etc..) + Bailiff

You can, if you win and she won't pay, enforce a:

1) warrant of execution
2) attachment of earnings order
3) third party debt order
4) charging order

Then, if she ignores you. File the claim. If she doesn't show up in Court, you win.

Don't be afraid, it's not like Rumpole of the Bailey. Just you, her and a guy in a suit around a table.

The worst that will happen is you lose the £50-70 court fee.The best is that you get your money back.

Trust me. When those official Court Summons appear on her door mat, its amazing how it focuses the mind. Probability is that she will pay up immediately.

Jonathan.

[russ-vdub]

He's what you do.

You write to her via recorded delivery that you will give her 7 days to pay back the money. Failure to receive the money by then will result in you "having no option" to take her to the County Court.  (Small claims court is part of County Court)

For a small outlay (£50-70)  You can do it all ONLINE.

https://www.gov.uk/make-court-claim-for-money/overview

Explain in the letter that it's in her best interests as based on the "Tex message" you have, your "lawyer"  or CAB etc.. has advised that your claim is strong...and that judgement in your favour will affect her credit rating and ultimately cost her more than £500 (add CC Fee and your costs, travel etc..) + Bailiff

You can, if you win and she won't pay, enforce a:

1) warrant of execution
2) attachment of earnings order
3) third party debt order
4) charging order

Then, if she ignores you. File the claim. If she doesn't show up in Court, you win.

Don't be afraid, it's not like Rumpole of the Bailey. Just you, her and a guy in a suit around a table.

The worst that will happen is you lose the £50-70 court fee.The best is that you get your money back.

Trust me. When those official Court Summons appear on her door mat, its amazing how it focuses the mind. Probability is that she will pay up immediately.

Jonathan.

Thanks so much for the indepth reply Jon! I will remember that in future for sure..

Had a stroke of luck this morning tho. Yesterday I called her best mate and explained the situation and she was wholely on my side and said she would speak to her. Turns out my number was blocked so she never received the messages. Here's what I woke up to:

Hi sorry I havent received any contact from you becasue your numbers been blocked. I have every intention of paying your money back it just hasn't been my priority atm, which is wrong so I apologies about that. I can set up a standing order and pay monthly or I can find another way to pay in a lump sum by the end of the week. Let me know.

We agreed on the lump sum Happy days!

Cheers to everyone that chipped in, useful or not

[Thom89]

My money is on you'll never get it!

Thom

What he said! 

Thom

[Len]

Yea tell us when you get the pound notes in your hand and they are legit not counterfeit!

[russ-vdub]

My money is on you'll never get it!

Thom

What he said! 

Thom

Har har har .. To$$er