Adrian,
It's the principal, not the cost. I would pay £35 to take someone to court for £20, I would move mountains to get what they owe me.
I disagree in what you say, court action is highly affective for the outlay and even if it fails, it leaves a CCJ on the defendant’s credit history, that affects everything that requires credit, car insurance, home insurance, mortgage re-payments, everything.
If you’re in financial trouble before you get a CCJ, your going to be in a spiralling catastrophe when you get one, when everything you pay in instalments goes up 100% due to your risk factor.
Joe,
Did she ask you write and sign a letter to get her CCJ removed?. You should have said NO and left her to deal with it.
I had a begging call from someone who refused to pay me and ended up in court. About six months later the call came from them begging in tears for me to request the removal of there CCJ. They had been refused a mortgage because of it. I just told them to live with it.
Regards
Peter