Ex owes me money

[deesdeli]

It was quite a messy break up with my ex and we had broken up but were still seeing each other for a few months afterwards. I stupidly lent him money and then found out he was seeing other women at the same time (we broke up as he was cheating on me) He has paid half back however I am now in a position where I really need this back asap and the sooner it is paid in full the sooner I can move on and forget this nasty piece of work. It is a sizable sum he still owes and I have asked if this can be repaid by the end of the year.

He has said he isnt able to but will keep paying me back in installments as he has been doing. I know that he now has a new girlfriend which he has no doubt been wining and dining which adds to my anger as I know this money could be used to pay back what he owes me.

Does anyone know if there is any legal action I can take to recoup the money back asap? I have tried legal aid but cannot get through to anyone.

Any advice is very much appreciated :)

I don't have suggestions other than to look for local legal advice centres which advise for free, but do you have any proof of the loan in writing, emails or messages etc?

You don't mention any agreement as to when the loan should be repaid. The way you describe it, it sounds like this was an open-ended loan which you've now decided you want back.

Unless there was an agreed repayment schedule and he is in breach of that, legal action won't get you anywhere. The courts aren't interested in your need to have the money back or your desire to move on, and they certainly aren't interested in your argument that he should pay you rather than spending money on his girlfriend. They are only interested in what has been agreed regarding repayment of the loan.

Even if there was an agreed schedule, there is no guarantee the courts would force him to repay any faster than he is.

Legal aid, by the way, is about providing funding to people who need it to fight legal cases. They don't provide legal advice. If you want free advice, you could try Citizen's Advice, but I would expect them to say the same as I have.

@Sattherelikealemon@prh47bridge Thank you - yes we agreed initially £50 per month via email but now I need the money sooner as I am in a spot of financial difficulty myself.

He has been unclear as to the exactly when he will repay in full and I have been receiving payments from him of more than £50 ad hoc.

I have been trying citizens advice (sorry typo before not legal aid) and cannot get through to anyone.

I havent been in a position like this before so unsure as to what to do

If you agreed £50 per month, that is all he has to pay. If he has been making larger payments ad hoc, he is ahead on the repayments. There is nothing you can do to force him to pay faster than you originally agreed. If was behind on payments it would be another matter but, as things stand, taking him to court would be a waste of your money. The courts won't force him to repay faster just because you are now in financial difficulty.

You'd need some form of evidence as to the agreement between you that this money was a loan and repayable on certain terms. You've got evidence that it was repayable but nothing to say when. The fact that he has been paying £50 pm is all you've got. So a court would say it's repayable at £50 pm! Don't waste more money trying to ging to get a court's agreement.