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Hello, I’m Ben. It’s my pleasure to assist you today. I may also ask for some preliminary information to help me determine the legal position.
Hi there. How much does he owe you in total and how long has it been outstanding for?
OK I understand and thank you for providing this information. Please do not worry and leave it with me for now; I will get back to you with my answer as soon as I can, which will be at some point today. The system will notify you when this happens. Please do not reply in the meantime as this may unnecessarily delay my response. Many thanks.
Many thanks for your patience, I am pleased to be able to continue assisting with your query now. First of all, I am sorry to hear about the issues you have experienced in your situation.
I see that you have made the claim against the person as an individual so you just need to be sure that you officially dealt with him personally rather than his business. If he is a Limited company and you traded with him through it, then the claim needs to be made against the company. However, if he is a sole trader and only has a trading name, without it being a formally registered limited company, you would be right in claiming against him as an individual. Try not to claim against two entities together and choose the right one and only claim against it.
The other thing I noticed is the interest rate which you have stated as being £292 per day. That is extortionately high and I think you meant this amount to e the annual rate rather than the daily one. If you wanted to calculate the daily rate then you will divide the annual amount by 365 and that gives you £0.80 daily rate.
Hopefully, I have answered your query in a way that is simple and easy to understand. If anything remains unclear, I will be more than happy to clarify it for you. In the meantime, thank you once again for using our services.
Hello, thank you for your further queries, I will be happy to answer these. Who you had a contractual relationship with will depend on the actual facts of what happened, whether there was ever any representation or mention of the company being involved in these dealings and who you actually dealt with. It really depends on the facts.
If you claimed against him personally he could try and claim he has no money but it depends on the reality and if he actually does or not – you could petition for his bankruptcy in that case and that may change his mind
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