Nottingham debt collection agency?

Question

I've got a customer thats bounced a cheque twice to me for £65 ish. I have repeatedly asked them to pay to no avail.
I could take them to the small claims court and would win as I have the bounced cheque as proof of their deceit, but that would be too 'easy' for them.
Any debt collection agency want this debt?
Not enough in it to sell the debt on but I will happily give the debt to a bona fide collector.
The debtors are only a young (ish) couple so it will be a zero hassle collection but feel they have taken the **** by doing this and want to make sure they pay up with costs.
Contact me and leave a number.

I have their full names and home address.

Answer 1

Stick 'em with the Small Claims court ..

Don't forget to add your Bank charges (most Business Accounts charge for bounced cheques), the Small Claims application costs (£35 as I recall) plus a decent wodge for your time & effort ...
.. I doubt they will contest, and I doubt they will pay, however when you apply for enforcement & the Bailiffs go in, it can be good fun to watch ..

This way they get a CCJ on their Credit record and it might protect others from being ripped off by these freeloaders ..

Answer 2

I think what you are doing right now (doing this on Y!A) is morally wrong - you may have 'proof of their deciept' but Im sure that if they get wind of this question and showed this to any judge he would not be impressed, this is unprofessional and immoral and I reckon your question here alone would make any judge want to teach you a lesson and he would allow the debtors to get off with the debt and make you pay your own court costs!!!!!! (I think to bring any claim to a small claims court would cost you around £200ish)

I can understand it p*sses you off that they havent paid you back your money but it seems you are more interested in getting revenge then getting your money back and thats not acceptable behaviour.

I also think you need to be very careful what you do with their information - offering out their debt to 'bona fide' debt collectors sounds dodgey to me, after all HOW are you going to INSURE that they ARE bona fide?? Especially to do it on a forum such as this!!!!
The couple have rights under the Data Protection Act, not to mention Human Rights.
Also, you say 'customer' - thus you must be some sort of 'company' and then they have other rights concerned with 'consumer rights' etc etc - they probably have more rights than you do so be careful!!!

I would write to them and tell them in no uncertain terms that the cheque has bounced twice and you are not willing to accept any more cheques from them and will only accept cash, especially as the sum of monies owed is not overly large enough to warrent not having that kind of money readily available. Give them a date that the money must reach you by (even offer to collect it) and warn them that if the money does not reach you by this date then you will have no alternative other than to take them to a small claims court, whereby they will incur your full court costs aswell as their own and the judge may also award compensationary monies to yourself.
(you don't say whether you incurred any bank fines for the bounced cheques, thus Im assuming that you did not - Im sure you would have said in your question and also wanted to try and claim that money back)

It would also be prudent to write to them before applying to the small claims court as firstly it may save you the hassle (hopefully they will pay up) and secondly - I think this is part and parcel of the expected procedure before going to court to have given the debtor ample opportunity and warning to pay before going to court - it will be in your favour to do so and keep all the evidence to show the judge.

Lifes too short to be bitter over £65 - by all means try and get your money back but drop the petty revenge stuff!!!

Answer 3

What is that funny L sign before the 65, and does this look like a want ad section to you?