If you don’t get a conviction before travelling to the USA then your pending case isn’t a bar: When applying for an ESTA / visa waiver they ask if you have ever
a) been arrested, or
b) been convicted.
An arrest can be viewed negatively by them, despite in the U.K. “innocent until proven guilty”. However it sounds like you haven’t been arrested and don’t have a conviction (at least, not yet!)
It doesn’t mean you can’t travel, but an arrest or conviction MIGHT lead to refusal of an ESTA or ineligibility for visa waiver, in which case someone would require a visa to travel to the USA.
If arrested or convicted, definitely apply for the visa. If granted you are in a much better position than “chancing it”. Getting caught fibbing on immigration documents will be an automatic deportation, and likely a period of ineligibility for a number of years : whereas if you declare a minor conviction (or arrest) you are likely to get a visa!
Really this is an open forum where the people we are trying to get our money back from can read everything we share and stay one step ahead. so how would people avoiding posting on open media help no one bar me?
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!