ChatterBank0 min ago
i lent my ex boyfriend �550
this was when i was with him. we spilt up last August. i have been asking for the money back ever since but he has made excuses. is there any action i can take because i really need this money.
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A contract doesn't have to be in writing (but is much more difficult to prove if it is just verbal). If you have an exchange of e-mails which include the amount of the loan and his comment that he can't pay it back yet then that seems to be quite good proof. But could he still argue that you agreed when you loaned him the money that he would pay it back when he was able to, rather than when you asked for it?
You could send him a "letter before action" saying you would start a Court claim unless he pays you in a short period (say 14 days) and point out he will have a bad credit record if you do this. If he doesn't then pay you issue a Court claim (and have to pay a fee - which is added on to the debt), and the judge decides the case. If you win you still have the problem of getting the money - if he genuinely does not have it this will prove very difficult and you could be further out of pocket than you are now.
A CAB can advise you. Also look at the court service gov.uk website.