Would a creditor take you to court over £41 if you didn't bother paying?

Question

to be specific amount is unpaid eBay selling fees

Answer 1

Yes - the Small Claims Court or the County Court could deal with it and it would show permanently on your credit record.

Answer 2

Hi!

If they have any sense they will. Businesses make a lot of money from small accumulations. If they got a reputation for letting sums bellow a certain amount ride, their profits would soon slump. Also, they have a moral obligation to set a boundary of expectation in the market place and challenge all those who try to avoid responsibility, as when someone shuns personal responsibility someone else inevitably picks up the tab.

I'm sure you'll do the right thing.

Good wishes.

Answer 3

Just pay the 41 you owe, cause if you don't and they actually do take you to court, they can also make you pay for any time, lawyer's fees, any fees at all etc, they use.

So you'll end up having to pay a LOT more than the original forty one and also have your credit messed up.

Be smart about this.

Answer 4

Yes I'm afraid they will. Or, more accurately, they will pass the debt to a credit collection agency. You will then be liable for their administration costs and the operating costs of the collection agency in collecting the debt. They can and will also secure a CCJ (County Court Judgement) against you in your absence if they are unable to open communication with you.

If things end up going down this line it is almost certain you will end up paying in excess of £250 to clear the debt not to mention having your credit record marked with a defaulted debt (and possibly CCJ) for 7 years.

Answer 5

I run a business and I would nail your *** in court for far less.
Its not that you cant pay, you just dont want to.
I have every sympathy with genuine people who get into problems with debt and want to pay. They can reduce their payments until they get back on their feet.
But dishonest people who seem to rip companies off as if it were a hobby get what they deserve.
They get charged for court fees, any tracing fees and baliffs fees plus interest and I go after them with an unrivaled tenacity.

Answer 6

Depends on the creditor if they do you it will damage your credit file for 6 years .But at the end of the day you should pay any debts you owe as to not do so proves dishonesty.

Answer 7

In most cases it won't be worth their while, but longer term it could cost you much more than £41 as the stain on your credit history could make the interest rates you are charged in future very much higher if you're viewed as a bad risk.

Answer 8

They can yes...but if they would....for £41....???...probably not. But they certainly are entitled to. Unfortunately for them they will probably consider the chances of getting the money plus their costs back and also the law relating to distant selling is still a little un-established. ..i'd be surprised if they went for it

Answer 9

If I was the creditor, I would. eBay will probably sell the debt to Knucklebreakers R Us.

Answer 10

Ebay is awash with fraud, bad debt and disputed charges .. ASSUMING they don't have any current bank or card details (so they can't simply take money out of your accounts) chances are they will just offload you to a Debt Collection agency ....

Make sure you dispute the charges in writing (keep copies) and you are likely to be OK ..

NB. You will (of course) be 'black listed' by both eBay & PayPal .. this means your existing accounts (including any account associated with your credit card or email address) will be blocked and you will not be able to create a new account using the same details (name / addess, bank / card details, email address) or using the same PC (they block your MAC address)