[Perfect Windows]

You don't ruin your credit report by losing in court. If you pay within 21 days there's no record.

Vin

[Arnold Palmer]

You don't ruin your credit report by losing in court. If you pay within 21 days there's no record.

Vin

Ok then Mr Pedantic.

I've been chased by large companies for small amounts before. Not for individual peas mind but they'd almost certainly be losing money taking me to court.

It's not about the principle, it's about the gamble.

Risk not paying and ruining your credit rating or pay the £20

[Dry Clean]

You don't ruin your credit report by losing in court. If you pay within 21 days there's no record.

Vin

Ok then Mr Pedantic.

I've been chased by large companies for small amounts before. Not for individual peas mind but they'd almost certainly be losing money taking me to court.

It's not about the principle, it's about the gamble.

Risk not paying and ruining your credit rating or pay the £20

Do you honestly think the people who rip people off for small amounts care about their credit rating ? these are either serial rip off merchants who will have  long since lost their credit rating when they didnt pay back what they owed to the club book and similar or people down on their luck who have got into debt and realise their credit rating is well beyond saving.

[Dry Clean]

Big companies who sell goods on credit tend to allow for a percentage of debt loss by adding it to their prices, if the debt is over a certain limit they will sell it on for a fraction of its worth and if small it gets dropped and the customer ends up on a blacklist.
They know its not worth the time and money chasing small amounts through the courts to be awarded a pound a week which they
will still have to chase.

[dazmond]

if you factor in a miniscule amount of debt not being paid every year(and expect it)you ll be a happier window cleaner....

i dont have any big contracts and i dont have any customers who ever owe me more than £200-£300.....

my write off debt amount  is usually around £50-£100 a year.not worth worrying about....

[Splash & dash]

You don't ruin your credit report by losing in court. If you pay within 21 days there's no record.

Vin

If they get a ccj against there name they do and it’s difficult to get it removed affects people for years , I have a customer going to court and they will loose Ime looking forward to them getting the ccj as he will also loose his job workes for the armed forces Evan they have told him to pay up but he’s ignored everyone so far

[The Jester of Wibbly]

Decades ago I used to work in retail as an area manager for a large national company.

Company Policy was to always procecute a shoplifters no mater what the value was to help reduce future shrinkage costs. Word got around the bad boys so they new they were more at risk if caught. Images of a shoplifter were shared around the region and other local retailers to help each other combat these crimes.

Shrinkage costs were always added to the sale cost. So it's also  an insult to your regular paying customers having to pick up the tab.

So if word gets around  that you don't chase debts then you're going to be easy prey.

"Hey Mrs Jones, I booked Mr blogs window Clean and this is how to get a free clean. He let's you off paying really easily. Try it. "

[Perfect Windows]

You don't ruin your credit report by losing in court. If you pay within 21 days there's no record.

Vin

If they get a ccj against there name they do and it’s difficult to get it removed affects people for years , I have a customer going to court and they will loose Ime looking forward to them getting the ccj as he will also loose his job workes for the armed forces Evan they have told him to pay up but he’s ignored everyone so far

If the case goes against the defendant then provided they pay the bill and all costs within 21 days, no CCJ is entered against their name.

Vin

[The Jester of Wibbly]

From my understanding a ccj is not issued if they accept they owe the money and pay within the month.

If they contest the application and lose they will be issued a ccj regardless.

[Arnold Palmer]

Big companies who sell goods on credit tend to allow for a percentage of debt loss by adding it to their prices, if the debt is over a certain limit they will sell it on for a fraction of its worth and if small it gets dropped and the customer ends up on a blacklist.
They know its not worth the time and money chasing small amounts through the courts to be awarded a pound a week which they
will still have to chase.

Great. Do that then.

[Dry Clean]

Big companies who sell goods on credit tend to allow for a percentage of debt loss by adding it to their prices, if the debt is over a certain limit they will sell it on for a fraction of its worth and if small it gets dropped and the customer ends up on a blacklist.
They know its not worth the time and money chasing small amounts through the courts to be awarded a pound a week which they
will still have to chase.

Great. Do that then.

Stop crying Soupy (roll eyes), I would say with confidence that there isn't a single shiner on this forum who hasn't walked away from a small debt at least once in their window cleaning career,  that said  in 12 years of cleaning windows I could count the number of non payers on one hand so its a hardly something to be concerned about.

[Arnold Palmer]

Stop crying Soupy (roll eyes), I would say with confidence that there isn't a single shiner on this forum who hasn't walked away from a small debt at least once in their window cleaning career,  that said  in 12 years of cleaning windows I could count the number of non payers on one hand so its a hardly something to be concerned about.

I've been doing it routinely for twenty years.

Not any more.

[John Mart]

Stop crying Soupy (roll eyes), I would say with confidence that there isn't a single shiner on this forum who hasn't walked away from a small debt at least once in their window cleaning career,  that said  in 12 years of cleaning windows I could count the number of non payers on one hand so its a hardly something to be concerned about.

I've been doing it routinely for twenty years.

Not any more.

Yeah, but you're not going to go to court for £15 surely?

[Kev Martin]

Stop crying Soupy (roll eyes), I would say with confidence that there isn't a single shiner on this forum who hasn't walked away from a small debt at least once in their window cleaning career,  that said  in 12 years of cleaning windows I could count the number of non payers on one hand so its a hardly something to be concerned about.

I've been doing it routinely for twenty years.

Not any more.

Yeah, but you're not going to go to court for £15 surely?

Why not?  If you are sure of your facts it costs nothing to take someone to Court.  It takes us around 10 minutes to raise the necessary documentation to take someone to court, yes there are associated costs but I know we are going to get them back + Interest + Expenses.   So if someone who owes you a relatively small amount of money,  allows it to go that far,  they are either Stupid, or they think you are not serious.  The mistake most people make is they threaten and then don't follow it through and thats fatal.

[John Mart]

Stop crying Soupy (roll eyes), I would say with confidence that there isn't a single shiner on this forum who hasn't walked away from a small debt at least once in their window cleaning career,  that said  in 12 years of cleaning windows I could count the number of non payers on one hand so its a hardly something to be concerned about.

I've been doing it routinely for twenty years.

Not any more.

Yeah, but you're not going to go to court for £15 surely?

Why not?  If you are sure of your facts it costs nothing to take someone to Court.  It takes us around 10 minutes to raise the necessary documentation to take someone to court, yes there are associated costs but I know we are going to get them back + Interest + Expenses.   So if someone who owes you a relatively small amount of money,  allows it to go that far,  they are either Stupid, or they think you are not serious.  The mistake most people make is they threaten and then don't follow it through and thats fatal.

You'd never get the time back or the stress it caused. To be honest you're better putting the dirt back as suggested above. I agree with the sentiment however.

[dazmond]

go to court for £15.....really?

some of you lead very sad lives.......its not worth it.....its only money.......forget about it and write it off......

[dazmond]

just think of all the things over the years you ve got for free/or at a bargain price,or a windfall etc,etc every time you end up with non payment of a debt(or out of pocket for whatever reason).....you ll find they balance out over the years.....itll make you feel better too.......(unless its a 10k debt!!)

[Arnold Palmer]

Stop crying Soupy (roll eyes), I would say with confidence that there isn't a single shiner on this forum who hasn't walked away from a small debt at least once in their window cleaning career,  that said  in 12 years of cleaning windows I could count the number of non payers on one hand so its a hardly something to be concerned about.

I've been doing it routinely for twenty years.

Not any more.

Yeah, but you're not going to go to court for £15 surely?

Probably not for £15 but my average bad debt is much higher than that. Our company policies would mean that a bad debt of £15 would be neigh on impossible.

I've never been through the process yet so I'm unsure if I even need to be present in court using TH.

[Splash & dash]

You don't ruin your credit report by losing in court. If you pay within 21 days there's no record.

Vin

If they get a ccj against there name they do and it’s difficult to get it removed affects people for years , I have a customer going to court and they will loose Ime looking forward to them getting the ccj as he will also loose his job workes for the armed forces Evan they have told him to pay up but he’s ignored everyone so far

If the case goes against the defendant then provided they pay the bill and all costs within 21 days, no CCJ is entered against their name.

Vin

Ime no legal expert but that’s not the understanding I have of it I will be talking to solicitor next week so will get him to explaine it

[Kev Martin]

Stop crying Soupy (roll eyes), I would say with confidence that there isn't a single shiner on this forum who hasn't walked away from a small debt at least once in their window cleaning career,  that said  in 12 years of cleaning windows I could count the number of non payers on one hand so its a hardly something to be concerned about.

I've been doing it routinely for twenty years.

Not any more.

Yeah, but you're not going to go to court for £15 surely?

Why not?  If you are sure of your facts it costs nothing to take someone to Court.  It takes us around 10 minutes to raise the necessary documentation to take someone to court, yes there are associated costs but I know we are going to get them back + Interest + Expenses.   So if someone who owes you a relatively small amount of money,  allows it to go that far,  they are either Stupid, or they think you are not serious.  The mistake most people make is they threaten and then don't follow it through and thats fatal.

You'd never get the time back or the stress it caused. To be honest you're better putting the dirt back as suggested above. I agree with the sentiment however.

So at what point do you go to court? 
How much has to be involved? 
It's not the money with me it  is the principle!!! 

The customer asks me to do something and I agree.  That is an agreement whether verbal or in writing, an integral part of that agreement is the payment regardless of how big or small.  If they don't pay they have reneged on that agreement and failed to honour their side of it.
Look at it with the boot on the other foot if they only owe you £15 why not just pay it as agreed?  Why allow themselves to have reminders, warnings and threats?  Ask yourself Did they ever intend to Pay?  Or just take the pi$$!  There is No difference to me, an agreement is an agreement £15 0r £1500 theft is theft.   If you don't believe me try going into a shop and nick £15 worth of goods and tell the Magistrate it was only £15 why doesn't the shop just write it off!