Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

lost friend of 17 years over loan

262 replies

uk1990 · 07/11/2025 13:19

My closest friend from 17 years borrowed money from me 2 years ago, close to 10k, i didnt ask her much about the particulars and i trusted her when she said she would return it 6 months later. 18 months went by, i needed the money as i was going through custody issues with my daughter and had taken out credit cards to pay for solicitors, plus i got a new job and my pay dropped significantly. She did not talk about paying me back i bought it up with her a few weeks ago, the first time we spoke, she gave me a plan that she was goign to sell her house and look for a job abroad (i found this odd but didnt question), then her circumstances changed, she got pregnant and told me she didnt know when she could pay me back, and didnt have a plan and couldnt even offer a monthly repayment plan. My mum was aware and called her to gently ask her what was going on and she gave my mum more random excuses. She then called me to tell me my mum had spoken to her and i wasnt sure why she was telling me because there was still no plan. I got very upset as she told me i was not allowed to discuss with anyone (our families are old friends) and she would not involve her husband or family as she didnt want to cause them stress. She asked me to ask my mum not to discuss with her family either. I felt betrayed as she had watched me suffer due to getting into abusive relationships and be expolited and felt she was treating me the same. She told me that was my 'perception' and i had to tell her i didnt want to talk until she had a plan.

A week later, her mum repaid the loan (surprisingly) and told me i has caused her too much stress and she was bleeding as a result and asked me not to contact her again. my friend blocked me on all social media and then i found out her daughter had unfriended my daughter online (these girls are aged 7 and 8). This hurt the most as i felt it was petty and unnecessary.

Was i wrong to ask her for a plan about repayment?

OP posts:
Ratafia · 08/11/2025 21:46

Write to her mother to acknowledge the payment and say you feel it was more than reasonable to ask about the plan for repaying money she promised to pay back 18 months ago, especially given the amounts her daughter has spent on holidays over that period.

Mayana1 · 08/11/2025 21:37

uk1990 · 07/11/2025 13:19

My closest friend from 17 years borrowed money from me 2 years ago, close to 10k, i didnt ask her much about the particulars and i trusted her when she said she would return it 6 months later. 18 months went by, i needed the money as i was going through custody issues with my daughter and had taken out credit cards to pay for solicitors, plus i got a new job and my pay dropped significantly. She did not talk about paying me back i bought it up with her a few weeks ago, the first time we spoke, she gave me a plan that she was goign to sell her house and look for a job abroad (i found this odd but didnt question), then her circumstances changed, she got pregnant and told me she didnt know when she could pay me back, and didnt have a plan and couldnt even offer a monthly repayment plan. My mum was aware and called her to gently ask her what was going on and she gave my mum more random excuses. She then called me to tell me my mum had spoken to her and i wasnt sure why she was telling me because there was still no plan. I got very upset as she told me i was not allowed to discuss with anyone (our families are old friends) and she would not involve her husband or family as she didnt want to cause them stress. She asked me to ask my mum not to discuss with her family either. I felt betrayed as she had watched me suffer due to getting into abusive relationships and be expolited and felt she was treating me the same. She told me that was my 'perception' and i had to tell her i didnt want to talk until she had a plan.

A week later, her mum repaid the loan (surprisingly) and told me i has caused her too much stress and she was bleeding as a result and asked me not to contact her again. my friend blocked me on all social media and then i found out her daughter had unfriended my daughter online (these girls are aged 7 and 8). This hurt the most as i felt it was petty and unnecessary.

Was i wrong to ask her for a plan about repayment?

We have a saying in my home country -
"If you want to lose a friend, lend them the money."
That's how it is. You are definitely not a cause of her problems. The bleeding was not your fault either. She chose not to pay you back, she chose toput herself in all this stress. I can imagine it hurts you to lost a friend, but at least you know now, she wasn't a friend at all.

Shatteredallthetimelately · 08/11/2025 21:29

uk1990 · 07/11/2025 16:04

her mum paid me back and asked me not to contact her daughter ever again because i had caused problems in her pregnancy

The only person that caused problems was your ex friend
A - by asking for money in the first place.
B - by not paying the money back months ago.

She knew she wasn't going to pay it back.
Her mother also sounds a class piece of work.

ThreePointOneFourOneFiveNine · 08/11/2025 21:01

I think your comment in your first post about this friendship being like an abusive relationship is spot on. It’s much harder to notice in a friendship than a relationship because we tend to be more willing to overlook things in friendships that we wouldn’t in a relationship because our lives are not so intertwined and it doesn’t seem to matter so much. Your “friend” is a nasty user. You’ve got your money back and got her out of your life. Win win!

Bimblebombles · 08/11/2025 20:53

Why is a 7 year old on social media?!

GreyBeeplus3 · 08/11/2025 20:51

She had no intention of ever paying you back seeing you as a soft touch and being evasive when asked about repayment
Her mother probably only paid you back thinking that you might have gone to get advice, got word to the husband or speak to others which would've made them look 'bad'
As for the bleeding don't believe it
As for the friendship it seems she never deserved you. Toxic
And chances are her daughter dominated yours whenever possible

Nightlight8 · 08/11/2025 20:29

ldnmusic87 · 07/11/2025 13:43

Never lend money to friends, I think you were lucky to get your money back.

Agree don't borrow money again!

Pessismistic · 08/11/2025 20:26

Hi op you didn’t do anything wrong unfortunately she wasn’t a good friend as you thought anybody who goes on holiday knowing there friend needs the money back isn’t worth your pain. Her mum chose to pay it back be grateful you got it let your friend get on with her life. She should have asked her family if she needed the money her and her dh and family should have been the ones she asked first she gave you no respect and didn’t really care you were in great need of your own money. She planned on leaving you hanging for her own selfish reasons.

OhDearMuriel · 08/11/2025 20:18

You’re well rid.
What an awful woman 🫩
Thats not what a real friend would do and her mother is just as bad. They should be ashamed of themselves. They are entitled arseholes.

I hope you are ok and can put this behind you 💐

Bowies · 08/11/2025 20:16

No she was totally in the wrong.

If she had bleeding, that wasn’t on you. She should have repaid a long time ago.

We don’t know if it’s true or she told her DM that to get her to pay the money.

Im glad you got it back.

It hurts now but she’s a crap friend and in the long run best out of you and your DDs life.

Booboobagins · 08/11/2025 20:04

So. Times life shows you who are real friends in very upsetting ways.

I'm sorry you went through this, but this is her issue not yours. Leave it with her the CF.

Retiredfromearlyyears · 08/11/2025 19:52

Oh no! The fastest way to lose a freind is to loan them money! However,i guess you know that now. She wasnt a real freind or she would never have put you in that position. Its a shame about the two children losing their freindship with each other but I do think a clean break is best. Good luck to you going forward!

oldmoaner · 08/11/2025 19:37

I was always told: never borrow, never lend, if you want to keep a friend. It's true, but if you think you can trust someone and they ask it's easy to get a situation like you had. Glad you got your money back and if her mother has repaid you why didn't she ask her mother to start with? Answer - because she never intended paying it back!

ReadingSoManyThreads · 08/11/2025 19:34

YANBU

You've lost out on around £800 in interest that money could have earned you whilst she had it. The interest rates were really good then for savings.

Glad you've got it back. Let this be a lesson to you - never lend out money you cannot afford to lose.

Skybluepinky · 08/11/2025 19:29

Definitely her loss, ignore the comments about her bleeding, you don’t need hanger oners.

Jasperis · 08/11/2025 19:28

How evil to rewrite the narrative as though you've somehow abused her and she's the victim. The facts stand. She borrowed and promised to pay it back, then didn't.

Missingpop · 08/11/2025 19:27

Sorry love but with friends like that you don’t need any enemies; life’s one golden rule should always be never loan money to family & friends it always causes trouble when they don’t pay it back.
cut your loses & move on you don’t need people like that in your life as for causing her to bleed in her pregnancy that’s just a guilt trip technique on her bitter old twisted mother part take no notice it’s total bollox

MerryUmberHedgehog · 08/11/2025 19:18

Lesson here is dont lend friends money. Youve got money back. Honestly you are better off without such a person in your life.

HereWeGo1234 · 08/11/2025 19:14

You have done NOTHING wrong.

Your ‘friend’ has abused your kindness and her mother is probably embarrassed by her daughter’s behaviour and has paid you back to reduce the shame of it.

chalk it down to experience.

Buffs · 08/11/2025 19:12

She was in the wrong and then blamed you. You are well rid of her.

TessSaysYes · 08/11/2025 18:58

Can you go and see a solicitor? The amount is too much to just let it go

Starlight7080 · 08/11/2025 18:55

SriouslyWhutNow · 07/11/2025 13:32

Your 7 or 8 year old shouldn’t have any social media where she can be unfriended. She is far too young and all sm platforms that I know of have a minimum age of 13. Focus on parenting your child and getting your DD off sm next and bugger this non-friend.

This exactly!

TheAquaTraybake · 08/11/2025 18:51

Well done to her mum for paying you back. TBH It was probably only because there's so many people involved and she probably thought she was saving face for the family whilst making a point about 'bleeding' her or whatever.

This was probably the best outcome you could have really. I'm sorry.

OnlyOnAFriday · 08/11/2025 18:45

Just be glad you got your money back. She was no friend to you.

Wildefish · 08/11/2025 18:44

uk1990 · 07/11/2025 13:19

My closest friend from 17 years borrowed money from me 2 years ago, close to 10k, i didnt ask her much about the particulars and i trusted her when she said she would return it 6 months later. 18 months went by, i needed the money as i was going through custody issues with my daughter and had taken out credit cards to pay for solicitors, plus i got a new job and my pay dropped significantly. She did not talk about paying me back i bought it up with her a few weeks ago, the first time we spoke, she gave me a plan that she was goign to sell her house and look for a job abroad (i found this odd but didnt question), then her circumstances changed, she got pregnant and told me she didnt know when she could pay me back, and didnt have a plan and couldnt even offer a monthly repayment plan. My mum was aware and called her to gently ask her what was going on and she gave my mum more random excuses. She then called me to tell me my mum had spoken to her and i wasnt sure why she was telling me because there was still no plan. I got very upset as she told me i was not allowed to discuss with anyone (our families are old friends) and she would not involve her husband or family as she didnt want to cause them stress. She asked me to ask my mum not to discuss with her family either. I felt betrayed as she had watched me suffer due to getting into abusive relationships and be expolited and felt she was treating me the same. She told me that was my 'perception' and i had to tell her i didnt want to talk until she had a plan.

A week later, her mum repaid the loan (surprisingly) and told me i has caused her too much stress and she was bleeding as a result and asked me not to contact her again. my friend blocked me on all social media and then i found out her daughter had unfriended my daughter online (these girls are aged 7 and 8). This hurt the most as i felt it was petty and unnecessary.

Was i wrong to ask her for a plan about repayment?

The old saying “no good turn goes unpunished “. She is blocking you because she knows she’s in the wrong. It’s a shame about the girls but probably for the best in the long run. This was not your fault. .