Sister refuses to pay me back for money I loaned

She's a bitch. Your parents are horrid. I think you have to write it off.

You have some proof, you have the electronic bank transfer as some proof. You should either email or WhatsApp your mum and sis and ask when exactly can you expect repayment of the loan you gave on ...date.... then if they type a reply back it might be enough proof.

Yes all you can do is take it as a life lesson, cut contact and feel the sweet relief of not hearing anything any of them have to say every again. I have been in nearly exactly the same situation and now enjoying a much simpler life without these vampires. Focus on your and your husband and make a new family. Best of luck.

Hi OP,

I'm sorry you find yourself I this situation. Is there any way you could text her and say something along the lines of...'I really need you to pay me back the £3000 I lent you in 2021 (or whenever it was) We agreed it was a loan to be paid and I can't wait any longer for it. I'm happy for you to pay me back in installments etc'...and if she acknowledges it, then maybe thag would be enough to take her to a small claims court? You could check this with the citizens advice bureau beforehand. And if it is enough, I'd cut your losses and do it...it doesn't sound like you'd be losing much if your family refused to speak to you because of it.

All the best OP!

She and your parents evidently treat you like shit.

You need to go after the money and take no prisoners. As suggested above ask if she pays tax on her rental income and tell her you will be reporting her if she does not begin the loan repayments in January. Follow through with this and then take her to a small claims court the cheeky cow.

You might lose the case without evidence but it will be worth the £100 odd fee to see her squirm.

Write it off. You'll never see it again. Cut them all off.

I once loaned my sister some money and she still hasn't paid it back. Mind you I no longer speak to her as she slept with my boyfriend but that's another story!

Tell her you'll report her undeclared earnings to HMRC if she doesnt cough up.
BUT then she'll know it was you & she'll want revenge.
So maybe dont tell her & just do it?

Why don't you cut the lot of them off for good if they were/are abusive and treat you like this. Your life would no doubt be better without them in it. Appreciate its a hard thing to do though.

Yep, same. My sis is a carbon copy of my SD.

@Anon777 I don't think I have a leg to stand on if I go through court due to no proof. send her a text or email saying that you lent her the £2500 in february 2022 (or whenever) in good faith that she would pay it back and you need to know when she is going to start the payments because you yourself are needing it now. that is the startof the paper trail. did you bank transfer to her? there is more proof. pretty sure i have seen some going through without written proof and just going by what was said. you write it all down. why did she want it? print out these texts and any responses and previous responses to texts from her. message your mum and dad including the full amounts too and also print out those and their responses. what hobby costs 100 and hour?? is she learning to fly or something???? dont make any phone calls to any of them!!

She earns 1.5k per month in rental income on top of her full time income, has her hobbies paid for and is mortgage free? She can pay you back and quickly but doesn't want to. They only seem to hurt you so you will be better off letting the money go and cutting contact.

I'd write it off and not talk to them again. I had a similar relationship with my half sister. I was brought up with a SD that treated me appallingly. I tolerate them for my DM's sake, he treats her like shit as well. It's a fucking awful situation to be in.

Judge Rinder is that still going ?

I'd cut all ties with the lot of them. Write the money off and get on with your life without your miserable sister and parents.

@Anon777 if you are not going to follow through and go with the court system, I would actually make a phone call to hmrc and tell them she is receiving 15k rent per year and not declaring it. then phone the council and dob her in there too. bet she has not got all the necessary certificates to make the rental legal ie landlords annual gas safety cert. pat testing annual cert. 5 yearly electrical check cert. etc etc!!! hundreds of the things!! and depending on where you are, a 3 yearly landlord registration! all of those tests will take her to nearly 2k and she will wish she had just paid you back in the first place. then there is the tax, and hmrc will want to see every single piece of income and she will end up having to employ an accountant to get the books in order!!

I wouldn't speak to any of the toxic shits again.

I hope she is paying the correct tax on the unearned income of her flat. It would be awful if somebody informed the tax office 😉

I would send her something like this by email (put a delivered and read request on the email so you know she's seen it) and slso send by recorded delivery.

Dear DSIS,

On xx date I loaned you £x amount on the understanding that it a. WAS a loan and b. Would be REPAID.
I now need the loan repaid IN FULL by 31 January 2025.
If the money remains unpaid after this date I will apply to the Small Claims Court in order to recover it. If my claim is successful this will affect your credit report and your potential to borrow money from official lenders in future. Something I expect you would wish to avoid.
I have proof of the loan , as I have the bank statement showing the money being transferred from my account to yours.
My bank account details are.......

Regards