Some background to my situation.
My daughter had a boyfriend (now ex) that she lived with at the time.
He was 11 years here senior and this was her first serious relationship.
As he had bad credit, he encouraged my daughter to take out credit cards (4 off) and began to spend beyond their means.
This came to a head when my daughter ask for help as they could not afford the payments when they had amassed a debt of £12,000.
So she approached me and as a parent you try and help your children out, so reluctantly I took out a personal loan and paid off all the credit cards.
The (verbal) agreement was that my daughter and her boyfriend would each pay me £90 per month over 7 years to settle the debt.
I proceeded to keep a spreadsheet with the payments.
The 2 separated after around 2 1/2 year of payments and eventually the payments began to get sporadic.
I would use facebook messenger to contact the ex boyfriend to remind him of his payments and I deliberately mentioned the total amount on messenger so that I had some record which he never disputed.
Eventually he blocked me so that I was unable to contact him and he stopped making any payments.
I wrote to him to explain that unless he continued with his payments, I would be forced to go through the courts.
He never responded, so I proceeded to raise this through Money Claim On Line (MCOL).
The Notice of Issue of my claim was served on 11 December 2012 for £3,895 plus £100 Issue fee was sent to the claimant to which there was no response.
I then applied for a Request for Judgement which was served on the defendant on the 4th February 2013 which again was ignored by the defendant.
My next stage was to apply for a Request for Warrant of Execution which incurred an additional £100, so the debt was now £4,095 and this was served on the 15th April 2013.
I received notification that the Bailiffs found nothing of value and so I have received absolutely nothing.
During this time I was out of work and unable to proceed with pursueing this further through the courts.
I have now started to proceed once again to try and reclaim my money, but attempts to MCOL to see where I go from here has resulted in no communications back from them?
So to cut a long story short, I'm not sure where to go from here?
The defendant has since moved house and remarried and walked away from the money owed to me.
Any advice would be gratefully received.
Manical
My daughter had a boyfriend (now ex) that she lived with at the time.
He was 11 years here senior and this was her first serious relationship.
As he had bad credit, he encouraged my daughter to take out credit cards (4 off) and began to spend beyond their means.
This came to a head when my daughter ask for help as they could not afford the payments when they had amassed a debt of £12,000.
So she approached me and as a parent you try and help your children out, so reluctantly I took out a personal loan and paid off all the credit cards.
The (verbal) agreement was that my daughter and her boyfriend would each pay me £90 per month over 7 years to settle the debt.
I proceeded to keep a spreadsheet with the payments.
The 2 separated after around 2 1/2 year of payments and eventually the payments began to get sporadic.
I would use facebook messenger to contact the ex boyfriend to remind him of his payments and I deliberately mentioned the total amount on messenger so that I had some record which he never disputed.
Eventually he blocked me so that I was unable to contact him and he stopped making any payments.
I wrote to him to explain that unless he continued with his payments, I would be forced to go through the courts.
He never responded, so I proceeded to raise this through Money Claim On Line (MCOL).
The Notice of Issue of my claim was served on 11 December 2012 for £3,895 plus £100 Issue fee was sent to the claimant to which there was no response.
I then applied for a Request for Judgement which was served on the defendant on the 4th February 2013 which again was ignored by the defendant.
My next stage was to apply for a Request for Warrant of Execution which incurred an additional £100, so the debt was now £4,095 and this was served on the 15th April 2013.
I received notification that the Bailiffs found nothing of value and so I have received absolutely nothing.
During this time I was out of work and unable to proceed with pursueing this further through the courts.
I have now started to proceed once again to try and reclaim my money, but attempts to MCOL to see where I go from here has resulted in no communications back from them?
So to cut a long story short, I'm not sure where to go from here?
The defendant has since moved house and remarried and walked away from the money owed to me.
Any advice would be gratefully received.
Manical
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