I was silly enough to help so called "friends" out last year and found myself being owed a good sum of money.
It was £1200 in total.
They, or rather, she, the wife, did make two payments of £50 into my bank account but thats all I have ever received.
I have a print out of a Facebook conversation where she agrees to the 'loan' and its amount and states how and when she would pay me back. I also have a text message string confirming all the details and copies of bank statements showing transfers from my account to theirs.
I have never phoned them and always gone for a written form of communication to ensure I have a record.
Just before christmas I sent a letter, recorded delivery, to their home detailing all the fact with dates and amounts and stated if they failed to resume payment or make payment in full I would take the matter further.
She only text to say she would pay me and she would ignore any letter from the courts. I received no payment.
I filed the MCOL and judgement has been passed in my favour by default as neither of them responded to me or the court. I have progressed it online to ask for payment in full by the end of Feb 2016 though I doubt I will get a penny.
My question is what would be my best course of action once this deadline passes?
I see on the MCOL website I have several options, all of which involve a fee which I am happy to pay if it gives me a reasonable chance of getting some if not all of my money back.
She works, part time I believe, and I know where and who for, he works for Royal mail full time as a post man so an attachment of earnings may work. They I am sceptical as I bet they come up with some rubbish showing they have no surplus after bills, which is total rubbish as they are out all the time drinking!
I had thought about bailiffs but wondered how effective they are, apart from what you see on TV.
Any advice or stories from people who have been through the same would be gratefully received.