Wibu to contact his mother(55 Posts)
So I lent my "friend" some money as he was in deep trouble... you see where this is going don't you?
Iv known the guy for around 6 years and thought he was someone I could trust, he assured me he'd pay it back by the end of the week, this was a month ago.
The week after he should have paid me back I had some bills coming out and I told him that since I don't have an overdraft I would get hefty bank charges (£5 a day) so I really needed that money. He told me he would pay them, I wasn't happy but didn't really have another option.
Since then it's been lie after lie and telling me he'll have it by Monday then Friday then next week blah blah blah.
Yesterday pawned my engagement ring so I could pay the bank because the charges were getting ridiculous and I was worried ( I'm not actually engaged anymore but loved that ring and wanted to pass it onto my kids someday)
I looked on Facebook and saw that last week he went out clubbing, so I sent a message to his mum asking her to please talk to him and explaining the situation.
We're both fairly young (early 20's) so he's not like a 40 year old man and I'm running to tell his mummy but I know her, she's lovely and I think she would be upset at his behaviour. He had a ridiculously privileged start in life and they did not raise him like this. I think if it was my ds behaving like this I'd want to know so I could kick him in to shape but I'm maybe biased due to my situation.
Well it's good news, his mother messaged back and has said she will pay me the money- I told you she was lovely.
However I now feel extremely guilty as its not really her cross to bear. She said she is also worried for his mental state. I really feel for her because she is a brilliant mother and it must be heartbreaking for her. I want to help him but iv exhausted myself after this and I just can't look at him the same.
I'm a fairly forgiving soul so maybe in the future I can support him again just NOT FINANCIALLY
Offer to let him pay you in installments? Then he won't be able to spend on something else, in the short term make financial plans, get an over draft? He won't turn up tomorrow or anytime soon with it in full
Years ago I heard a story about a woman who was a really good debt collector.
Companies used to hire her for debts where the person was sticking their gears in the sand & ignoring letters, phone calls etc.
She used to call the person, leave a message, then go to their house & knock, if ignored she would drop her card with as many neighbours she could find (think "A Lady, Debt Collections & Credit Management") with a sweet smile and a polite "Can you ask John to contact me urgently when you next see him? Thanks ever so!".
If they didn't respond to that she'd escalate to their place of work, then to their gym, until she finally embarrassed them into paying up.
The beauty of it was that she never told anyone the reason she was chasing the person (although the text on her card was self explanatory) and didnt have to cAll in any "heavies".
If your friend is embarrassable I'd try similar with his friends & colleagues "oh can you get him to call me, he's trying to repay money he owes me but we keep missing each other" and see if that works.
I had to do this for £100 an ex owed me at college in the early 90's - so in real terms quite a bit of money (fucker got his grant & spent it on going out with our mutual friends instead of paying me back - so the next time the grant was paid I accosted him on the day in front of his friends - he tried to tell me he owed it to his parents - I told him that was his problem and he'd had 6 mths to pay me, and could get a part time job like everyone else if money was so tight!) and he paid up there and then!
Oh, x-posted. Yes, hope she's clipping his ear as we speak
My best friend had a lodger (a uni student) who never paid the rent on time, hid in his room (you'd really not know he was there...), stole food, alcohol and clothes. Irrelevantly to my friend he also got kicked off his course, but it ads to the picture. A real disaster area and most annoyingly of all my friend did not take my advice!
But in the end my friend wrote to his lodger's parents with an 'invoice'. They were so embarrassed they paid up and came to take the boy home.
I'd do it. I've seen it work. You'll feel like a bizarre shitbag but wtf else can you do?
Just looked at my texts and the only one I have is one that says blah blah blah trying my hardest..., I don't know when I'll have the money but I promise as soon as I get any ill give it to you.
No mentions of amounts unfortunately
His mum hasn't replied, do you think this is a bad sign? I'm hoping she gone off to beat him rather than just ignoring me
Y fronts he doesn't live at home. Iv popped round before, he ignored the door despite me letting 18 month old ds play with the doorbell- he must have had his head buried, it was a racket.
It's hassle for me to pop round because its out of my way really and then I feel annoyed that I'm wasting my time and petrol on top. Looks like I don't have much choice though
you can involve who you like if you think it will help you in your situation of him not paying money back to you that he owes.
Whether telling his mate his mum or his other relatives will help - who knows - possibly he has borrowed of others and not paid it back.
It will though be a warning to others that he would not pay money back when he has money to go out clubbing
In your shoes I'd text him and say that you will pop to his house next week to collect the money. then keep popping round every few days until he gives it back. It could get really embarrassing for them all. Every visit just say 'Is friend in? I've come to collect the 400 he owes me'
I learnt the same lesson with my ex. I was 18 and he was 20 - I lent him about 150. I went off to uni and he wouldn't return any money. My gentle Dad actually rang his parents in the end as I didn't know what else to do and Dad talked it through with his parents and they must have told their son off. In the end he gave me back 130.
I really hope you get your money back OP - it's a hard lesson to learn, we all want to be nice people but unfortunately not everyone we meet in life is nice back
Eek she's seen my message, no word back yet. My heart is racing, why do I feel nervous iv done nothing wrong?
No holly no receipts, nothing like that. You don't think to ask these things when you count someone as a friend
You'd have to prove he borrowed it to go through the small claims court. No receipts? his word against yours
The cost of small claims depends on how much you need to claim, the initial bit may only cost such and such, but you have to pay something at each stage although you do reclaim it. For us to claim just under £2k it cost around £400 this included a payment to the court bailiffs.
Definitely go to his mother.
YWBU to involve his mother, but sometimes being reasonable doesn't get you anywhere. I would have probably done the same if I was close to both friend and his mum... my brother is an adult, if it wasn't for his friends getting in touch with me or my parents he'd probably be dead now. Probably different circumstances from your situation, but I'm grateful to the friends who didn't lie to me.
Lending money is always risky business but like PluCaChange says it's often a gamble between making a real difference or watching someone suffer unnecessarily when you can really make a difference.
Hope you get your money back op
Harry, I'd turn up at the mother's. I'd go under the pretense that you're really worried about him as he seems to have got himself into a lot of trouble. I'd say he'd mention stuff to you like deep shit and getting his head kicked in and you're worried he's got himself involved with a loan shark or something worse (maybe don't specify a dealer - she should be able to work that out). Say that you're sorry to bring it to her attention but when your once reliable friend has failed to pay you back the money you're owed you're starting to think the worse. I might even at that point lie and say he's always been good in paying you back little loans before which is why you trusted him but now he seems to be giving you a lot of excuses. Tell her then that it's reached crunch point - your concern for him and also it's put you in a financial mess. good luck
Small Claims Court is pretty cheap (about £30-40 I think) and is all done online. I think I would consider turning up at his mum's house, with the texts to show her.
Fraid not holly, only the ex but I I really don't dare tell him
So, he's borrowed from you, to pay off the loan sharks, becasue you are the soft option and a source of credit that isn't going to kick his head in. Got any big strapping fella friends?
Hey hey I never used the s word, I'm a lady of class don't you know....
Anyway the fucking bastard if he's to be believed said he owed it to loans sharks. He a friend lend money to people and someone who owed him didn't have it so he couldn't pay back them or some similar bollocks.
Anyway my lesson has been well and truly learnt but I shall not give up. Hopefully I can come back one day and tell you I got it all back -- but don't hold your breaths eh--
Cloud, I know where his mother lives but I don't have her number which is why I messaged her. My only other option was to go to the house and I didn't want them to think that I was showing up to guilt them into giving me the money. I was really apologetic about having to contact her in the message and I would hope she thought more of me than to think I would be making this up but then who knows I haven't seen her in a few years.
I once leant a boyfriend about £200 for a car, (this was a looooong time ago!)
He never paid it back. After we split, I saw him in town with his new girlfriend (although it was me that ended it, I was still upset), I went home, called his mum, (she adored me, was devastated when we split and gave him a right bollocking!) and sweetly asked if she could ask ex when he'd be ab,e to pay me back. She was mortified, I got my money back.
So no yanbu! He is being unreasonable by not paying you back. Use whatever means you can
Sorry I only read 'deep shit' not getting his head kicked in. If I owed rent and needed money or be evicted that would be 'deep shit' to me.
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