Friend refusing to pay back money lent "I need the money more than you do"

This woman is certainly not your friend. Dump her straight away and take her to Court.

Ask her via social media for your money back. Give her a date to pay it back by. If she doesnt pay up go to the citizens advice to see about the small claims court.

This is such poor behaviour on her part.

Whether you get the money back or not - I really hope you do, do consider the small claims option others have advised - please keep a distance from this person. This isn’t how a friend should behave (comments about your weight when you’ve been paying for her meals and helping her out etc is truly mean).

I'd text back and say 'you don't know whether I need it or not, but just so you are aware the bank of xxxxx ( insert your name), is now closed. BTW enjoy your NEW TV & hair do, which i helped to pay for. Then write the money and friendship off and don't be tucked in with future sob stories. She doesn't sound pleasant.

Sorry OP but if you didn't have a written agreement, signed by both parties, then you can kiss your money goodbye. The Small Claims Court wont bother to even entertain it.

Write it off to experience and break contact and move on.

To be honest, I wouldn't have lent her the money on the basis of her track record of being pretty awful person. And as a rule of thumb I don't lend money that I can't afford to write off if they don't pay back... because when u lend money u may or may not see it back. So it's not worth the hassle or loss of a friendship. When someone asks u to lend them money yiu can say Ur not able to at this moment in time. No need for reasons or justifications. Just sorry I can't at the moment.

I'd let it go and clock up to experience if it was me and drop.her as a friend.

😂

I can assure you if a friend owed me hundreds of pounds I would absolutely just go to their house and ask for it.

Nothing funny or silly about it.

I ain’t one of these Mumsnet weirdos who refuses to answer the door or have adult conversations in person.

I would cut her out of my life and id tell everyone what she did

OMG, quick somebody run out and stop her 😜

She’s busy lending her friend some more money 😆

No replies whatsoever from op🤷🏻‍♀️

@Foy19 tell her if she doesn’t pay you back you will take her to small claims court. Have you said to her ‘don’t think a new TV and £200 counts as looking after DC’? Cheeky mare.

Get it in writing (text or WhatsApp) confirming that she isn't returning the money and some acknowledgement of the amount etc

Then small claims court

Then block and move on

She's stupid anyway. What happens when/ if she needs help again. She's burning bridge's.

She borrowed the money. You agreed terms. I would screen shot her messages asking for the loan and then refusing to pay it back in case she deletes them.

I'd text her back

I lent you £400. You agreed to pay it back by the end of December. You are already late. It doesn't matter if you think you need the money more than I do. It's MY money. It would be a shame for our friendship to be ruined because you don't want to pay your debts

I had a friend who owed me a similar amount. The only thing that worked was showing up at her house. It brought it home to her that I was serious, for some reason she hasn’t expected that I would do that.

Who's to say you're not the only one she's done this to.

Who will do what? These CFs don't care, know their rights or believe they are entitled.MN has a couple of these stories at the moment. So the thinking is just don't loan anyone anything without taking a child of theirs hostage. Of course some on here will say it's only £400 or an electrical appliance and our children use £50 notes as napkins and give Dyson Airwraps/iPhones to the deserving poor but really just assume no one is your friend and anything you loan will be lost or sold, returned broken or remain unpaid. It will be open season on your WiFi password and you will be a CF for changing it

Go to her home and demand the money or you will go to the police.

You’ve given her too many chances. I second you screenshotting or downloading the chat where she admits it was a loan then filing a claim with the small claims court.
She has no respect for you and I’d be seething!

Another advocating small claims court. My friend was owed money, her ex partner was trying to wriggle put of paying or offering to pay half etc etc. As soon as small claims was mentioned the money was paid. Nobody wants that on their record so if I was you I'd just tell her that's what you are doing.

If she can say something that outrageous to you, she’s never going to pay it back. And I don’t think you stand much of a chance getting it back through the Small Claims court. Any grasper with half a brain cell is just going to deny, deny, deny, and you’ve got no proof of a loan other than a single text message.

I think you’ve got three realistic options; 1) stay ‘friends’ with her. Tell her it’s fine and you’ve forgotten about it. Wait two years, borrow £450 from her and only pay her back £50. Obviously you’ll be able to see the issues with this one. 2) Embarrass her into paying it back. Approach her husband and her family and ask them to talk to her. Post messages like ‘when you try to help someone you thought was a friend and they steal your rent money and refuse to give it back 😢’ and respond to demands to name and shame with ‘I’ll pm you’. It might work, but it’s not particularly dignified. 3) Cut her dead and write it off (and then maybe pour paint stripper down the side of her car in 6 months time, if none of her neighbours have a ring doorbell 😉)

Remind her by text every week. Ignore her needs, and boost your own needs.

Friend, please pay the installments of £400 loan as agreed. I have debt from Xmas I need to pay, please send what you owe. I am desperate.