I owe 122 pounds can they take me to court for that
2007-09-19 05:06:36 · 9 answers · asked by D 2 in Business & Finance ➔ Credit
The amount is inconsequential its the refusal to pay that is the issue. The only thing you can do is make a payment arrangement and stick to it.A county court judgement will affect your credit rating for 6 years after it is paid . Not really worth it for a small amount.
2007-09-19 08:52:35 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Was a time when it was £50 .. but as soon as the cheque bouncing public found out shops got blitzed .. now most shops refuse to take a cheques at all ..
BEST ADVICE .. dispute the amount owed and offer to pay back what you think is the correct amount (I bet the £122 contains a lot of extra charges and costs) over a reasonable time period (eg. £10 a month for 6 months)
WORST THING YOU CAN DO is ignore it .. they will take you top court AND stick you with all the cots s.. next thing you know that £122 will become £1,200 ...
2007-09-20 05:49:49 · answer #2 · answered by Steve B 7 · 0⤊ 0⤋
I didnt think it was how much debt you were in, itsd just if you dont pay it? If its got to that point now where you havent paid it for a while and theyre threatening court, just ring them up and make a payment plan with them, even if its just £10 a month to pay- its so much easier, will save you so much hassle not to mention being black listed for the next 7 years or whatever it is! These companies are usually quite good with helping you make a payment plan- after all they do want the money back so they'll help you come to agreement for you to pay them. Just do it. Dont leave it cos you think they wont take you to court over £122
2007-09-19 05:17:00 · answer #3 · answered by Georgie 5 · 0⤊ 0⤋
Yes they can. It is called the Small Claims Court. If you get a judgement against you you will find it very difficult to get any sort of credit in the future. This would include, bank loans, mortgage for house purchase, loan from credit company to buy a car and so on. Suggest you write to your creditor and offer a payment scheme over the next 3 months. They will probably accept but you must then be sure to pay up or the court will be more severe on you. Best of luck and be careful in the future.
2007-09-19 05:36:06 · answer #4 · answered by ANF 7 · 0⤊ 0⤋
Yes, they can technically take you to court for that amount.
However, what they would do first is to send debt collectors round to see you, and then will charge you for this. They`ll probably do a couple of times, and this is likely to more than double your debt, and then they`ll take you to court to collect the full amount.
When it comes down to it, you aren't going to get out of paying the debt unfortunately, and the longer you leave it, the more its going to cost you in the long run! Much better to pay it now, even if you have to borrow the money to do so.
2007-09-19 08:42:40 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Yes they can
The Small Claims Court is simple to use and very cheap so even for a small sum, they might sue you
For such a small amount, you should try to make an arrangement with them to pay i off, but get into that arrangement asap so they don't start adding interest or costs to it.
Even if you pay them £3 a week, you'll have it paid off within a year and it will save you a lot of hassle
2007-09-19 05:42:48 · answer #6 · answered by liquidator01uk 2 · 0⤊ 0⤋
Yes. If you don't pay on or before the due date. They may let it go for 1-2 months before informing you by letter that they intend to take you to court; but then again they may just try to frighten you so that you do pay up. But, I think it's best to be on the safe side of things and pay up, just incase they arn't bluffing!
I've been through this; but now I've learned my lesson. I now pay on the due date - (free from worry).
Just a suggestion: If you pay your debts on time; it's like making them aware that you are a good customer and that you won't have any black marks against you; and they will have a good impression of you.
Play safe.
2007-09-19 05:18:41 · answer #7 · answered by Samantha 5 · 0⤊ 0⤋
dont think it's really the amount so much as how long. you could owe 2000 but if you pay it off in a reasonable amount of time you okay. Likewise you could owe 20 but not pay it for a year and you have problems then.
2007-09-19 05:15:58 · answer #8 · answered by HookemHorns21 4 · 0⤊ 0⤋
yes, 1 pound is enough to be taken to court. if you are unable to pay it make them offer of monthly payments, maybe 20 or 30 pounds. most companies will be happy with this. If they are not willing to come to any arrangement contact Citizens Advice Bureau.
2007-09-19 05:14:20 · answer #9 · answered by Anonymous · 0⤊ 0⤋