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Original poster

Taking my ex to court for £1210-has anyone got experience?

33 replies

Noodge · 06/09/2025 12:58

I know I know, it isn't a life changing amount. But it has REALLY annoyed me. I am not a high earner and I leant a woman I was dating this money in good faith. She was struggling hugely due to an unexpected car bill and was very upset and I had a bit of money in my 'rainy day fund' so I wanted to help her. That was the £1,000. I had already leant her £200 prior to that, and then she asked for another £10 to buy lunch at work and told me she'd give it back at the end of that day and never did.

She is meant to pay me on the 12th, in installments of £200. That's our agreement. But I have a real feeling that she won't.

She has the sort of job that I think wouldn't favour her having a court order on her, full-time employed. Has anyone done anything like this before and can advise me what might happen in this type of circumstance?

OP posts:
ProfessorSlocombe · 09/09/2025 17:49

Noodge · 09/09/2025 08:03

I've now had a msg asking for my bank details as 'I've lost them as I've had to change my number '. This was on fb messenger--we've always communicated on WhatsApp. I just don't believe her. Nobody changes their number nowadays anyway unless something drastic has happened, she asked for my details again a couple of weeks ago as 'I've had to change my bank' (what a load of tripe). I'm going to look at small claims court. Friend has recommended getting a solicitor but I need to research the implications of that. I've taken someone to SCC before but for a very different situation, do not know what to expect for something like this.

Sounds like an attempt to create a "defence" about not paying. However it would only explain the delay , and not cancel the debt.

Be prepared for a suggested repayment plan in response to the LBA. This would forestall a MCOL action as it would be presented as an attempt to pay the debt.

You;d then need to wait for the first missed payment to commence action.

Original poster
Noodge · 09/09/2025 18:40

BaronessEllarawrosaurus · 09/09/2025 12:50

Do you have her agreement it's a loan. If it's just a message you typed to her it just won't carry the same weight especially if it was after the event

Show quote history

Yes I do, messages from me asking if she needs to borrow it from me, a msg asking if she still intends on paying it back (after she finished things wirh me) a msg with the repayment agreement sent before that.

OP posts:
Original poster
Noodge · 09/09/2025 18:41

ProfessorSlocombe · 09/09/2025 17:49

Sounds like an attempt to create a "defence" about not paying. However it would only explain the delay , and not cancel the debt.

Be prepared for a suggested repayment plan in response to the LBA. This would forestall a MCOL action as it would be presented as an attempt to pay the debt.

You;d then need to wait for the first missed payment to commence action.

Show quote history

Sorry, can you define those acronyms/initialisms please?

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Original poster
Noodge · 09/09/2025 18:43

Elektra1 · 09/09/2025 17:32

If she replied to the message acknowledging that she owes the money, this is fine as evidence

Show quote history

I have a msg saying she intends on paying me back after I asked the question about whether she did (once she'd finished with me).

OP posts:
Original poster
Noodge · 09/09/2025 18:44

Talipesmum · 09/09/2025 17:39

Do you have evidence that you’ve already sent them to her? I’d just send them again, screenshotted, with a bland “please transfer here as previously agreed”

Show quote history

Thank you. I do have evidence that she's had them (twice, thank you WhatsApp search function!) And have now screenshot those too.

OP posts:
VimtoRules · 09/09/2025 18:57

Never lend what you can’t afford to lose. It’s too late now but a rule to remember in future.

Original poster
Noodge · 09/09/2025 19:27

VimtoRules · 09/09/2025 18:57

Never lend what you can’t afford to lose. It’s too late now but a rule to remember in future.

Most definitely! I mean I can afford it technically, I'm not going to starve but I do not believe people should be able to take advantage of kindness just because they want to. I'd just never dream of doing that.

OP posts:
Original poster
Noodge · 12/09/2025 17:27

The first installment has been paid! So that's a good sign.

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