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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to just block... or mention the unpaid debt first?

114 replies

neoneo · 30/04/2026 11:02

I'll try to keep this concise but there's some context needed.

I have a distant relative on my father's side. We're not close, but her grandmother is the sweetest lady, so I try and keep on good terms with her extended family.

The relative and I connected on WhatsApp in the way you are with distant family... existing in the background, occasional happy birthdays... that sort of thing. Also, the relative is younger (more tech savvy whereas the grandmother is in her late 80s!)

Last year we visited her/her family. We gave her a small gift of around £50 during the visit, as you do. Looking back, I wonder if that visit was more of an assessment than a reunion.

Shortly after this - the messages started. Rapid fire.

'I need your help.' 'Some money.' 'You help me?' 'Pls reply.' 'Emergency problem.'

No amount. No reason. Just pressure.

I sent approximately £900. She promised faithfully to repay it last October. I gave her the money in July. October came and went. Nothing. No mention of it at all. (In truth, I'd written it off in my head at the time of sending it - so I wasn't waiting on it - and just moved on with my life).

Yesterday she was back. Same opening.

'Hii!' 'I need your help.' 'Some money.' "Pls last time help me 🙏🙏."

Again no amount, no explanation, no acknowledgement of the money she never repaid.

My uncle (who lives near me in London) - a pensioner in his late 60s has been going through exactly the same thing. She'd sent him a barrage of messages asking for large sums of money, then panicked and deleted them all thinking he hadn't seen them (he had - just on his home screen). She then pivoted to asking if there was 'a job in London for my husband.'

My uncle replied politely that the UK job market was difficult. That one reply was enough though... she immediately went back to asking for money. She also asked him not to tell other family members she'd asked.

My uncle and I have been comparing notes. It's been quite revealing.

A few details that stick with me:

  • They recently sold their home
  • Her WhatsApp photo shows her husband with a brand new car and both of them with Apple Watches
  • When my uncle firmly said no, she said 'Ok, I'll ask someone else' within minutes. Not the response of someone in genuine crisis.

I've ignored her messages so far.

But I'm torn between:

Option A: Just blocking her silently. Clean, drama-free, no response ever.

Option B: (His advice). Sending one honest message first - something like: 'I gave you £900 less than a year ago which you promised to return in October and never did. I won't be helping again.'

I don't want to be cruel. But I also don't want to be taken advantage of. Her grandmother is the sweetest lady though - and this relative does help the grandmother from time to time - who I really love.

OP posts:
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Delia65 · 01/05/2026 13:01

kdoia · 01/05/2026 12:32

You're nicer than me.

I'd have said

"Hi x, I don't have this money to hand right now but I do have access to a guaranteed immediate loan if I can show I have the collateral. If you can send me £1,000 so that I can show the bank I have the first two repayments then I can have £4,000 within a week once the loan is approved. Would that be enough to help you out?"

Get the cash, then block.

Genius! 😁

EBearhug · 01/05/2026 12:46

Sartre · 01/05/2026 12:24

SIL is like this, she’s a drug addict as is her partner. They stupidly decided to have a baby a couple of years ago and so now can use him as the excuse for needing cash e.g we desperately need nappies, food for baby or whatever. How can you say no? Except it’s always for their habit.

May be this.

You could get nappies delivered rather than transferring cash?

kdoia · 01/05/2026 12:32

You're nicer than me.

I'd have said

"Hi x, I don't have this money to hand right now but I do have access to a guaranteed immediate loan if I can show I have the collateral. If you can send me £1,000 so that I can show the bank I have the first two repayments then I can have £4,000 within a week once the loan is approved. Would that be enough to help you out?"

Get the cash, then block.

Sartre · 01/05/2026 12:24

SIL is like this, she’s a drug addict as is her partner. They stupidly decided to have a baby a couple of years ago and so now can use him as the excuse for needing cash e.g we desperately need nappies, food for baby or whatever. How can you say no? Except it’s always for their habit.

May be this.

SpryCat · 01/05/2026 12:21

Good for you @neoneo you told her no and mentioned the money she hasn’t repaid with making it awkward for the rest of the family.

OneBusyFinch · 30/04/2026 16:55

Poulaphooka · 30/04/2026 11:44

I’d tell I was starting legal proceedings to recover the £900 loan, and that I would be flagging up her grifting to the family at large.

This ^^

recover it through the small claims court and find alternative ways to stay in direct contact with her Grandmother

MrsMoastyToasty · 30/04/2026 16:50

I would have reeled her in.
Asked for her address.
Then started a claim through the Small Claims Court.
Then blocked.

CoraPirbright · 30/04/2026 16:35

Well done OP! Now I think def warn other family members that she might try to take advantage of.

Paveparadiseputupaparkinglot · 30/04/2026 16:34

It’s very odd that you haven’t mentioned that she owes you money? Would be the first thing I’d say! Cheeky bitch.

domenica1 · 30/04/2026 16:33

I was going to ask, are you from a culture where it’s normal to send money to distant family abroad like this as I’m astounded you gave her the time of day in the first place!

ByQuaintAzureWasp · 30/04/2026 16:32

Option B

neoneo · 30/04/2026 15:43

watchingthishtread · 30/04/2026 15:34

It bears all the hallmarks of a scam. Either she is scamming you or someone with access to her phone is scamming you.

Shut it down about an hour ago (updated the thread!) Not a scam in that someone stole her phone/cloned her number! It was indeed her. I said this in my OP because I had a feeling people wouldn't know it's actually not unheard of for people in poorer countries to 'expect' money from those in Western countries. They think we are drowning in money in the UK.

OP posts:
Imdrinkingtea · 30/04/2026 15:41

Option c from @coolwind is the best

watchingthishtread · 30/04/2026 15:34

It bears all the hallmarks of a scam. Either she is scamming you or someone with access to her phone is scamming you.

neoneo · 30/04/2026 15:12

Teanbiscuits33 · 30/04/2026 15:04

This sounds like an ultimatum OP:

said if I gave her more money, she would eventually pay back both amounts

I read that to mean only if you give her more money will she pay you back both amounts, so if you don’t loan her more, she won’t pay what she owes.

She sounds very manipulative and she does sound like one of those Nigerian online scammers with her tactics 😂

Same takeaway!😂

OP posts:
neoneo · 30/04/2026 15:08

WallaceinAnderland · 30/04/2026 15:02

The way you wrote your original post was misleading. Other posters on this thread have thought the same.

Then let the family know that she asked and took money off you. Asked the same of your uncle and you just want everyone to be aware that they may be getting scammed by a relative.

The only way she’s going to stop scamming people is if someone actually insists on being repaid.

And yes do tell all of the rest of your family. She’s probably scammed all of them at some point.

How did you know it was even her and not a scam?

Wouldn't you at least speak to her to check it really is her, find out the nature of the problem and whether it actually would be sorted by sending money

Now you've clarified it makes more sense and I'm glad to hear you're not giving her any more money.

Again, it was not me using terms like 'lawyers' and 'scamming'. I don't need to write about everyone's life story in the OP. I also clarified that I wanted to keep my OP short, but provide some context too.

My issue was always the request for yet MORE money (despite her original debt not being paid). I wrote what was relevant to the NEW ASK. I said there were two options I had. None involved lawyering up or pretending I had been scammed.

I also said from the outset it wasn't someone using her phone/cloning her number. Nor was it a deepfake etc...

You sound like a dog with a bone... and even more so after I provided the update...?! Bizarre. I know there are some liars on here and nutters - but sadly, every part of the story is true.

OP posts:
MsGreying · 30/04/2026 15:06

I'd take great joy in asking for the money back.
Can you have it autorespond for you?

S0j0urn4r · 30/04/2026 15:04

"Actually, I was going to ask you for a loan. I'm a bit short as I lent someone £900 last year and they still haven't paid me back..."

Teanbiscuits33 · 30/04/2026 15:04

neoneo · 30/04/2026 14:54

UPDATE: I just told her I wouldn’t be sending any money. I mentioned that they had failed to repay the debt from last year. In fairness, she replied immediately and she acknowledged this and said if I gave her more money, she would eventually pay back both amounts. I said no and that she would have to pay back what was outstanding. She said: ‘Ok’. Doubt we will hear from her again.

This sounds like an ultimatum OP:

said if I gave her more money, she would eventually pay back both amounts

I read that to mean only if you give her more money will she pay you back both amounts, so if you don’t loan her more, she won’t pay what she owes.

She sounds very manipulative and she does sound like one of those Nigerian online scammers with her tactics 😂

WallaceinAnderland · 30/04/2026 15:02

neoneo · 30/04/2026 14:49

Kindly jog on. Everyone else seems to get it just fine. At no point did I say I was 'scammed' etc... nor did I mention phoning up lawyers/suing etc...!

Edited

The way you wrote your original post was misleading. Other posters on this thread have thought the same.

Then let the family know that she asked and took money off you. Asked the same of your uncle and you just want everyone to be aware that they may be getting scammed by a relative.

The only way she’s going to stop scamming people is if someone actually insists on being repaid.

And yes do tell all of the rest of your family. She’s probably scammed all of them at some point.

How did you know it was even her and not a scam?

Wouldn't you at least speak to her to check it really is her, find out the nature of the problem and whether it actually would be sorted by sending money

Now you've clarified it makes more sense and I'm glad to hear you're not giving her any more money.

ForeverTheOptomist · 30/04/2026 14:56

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

neoneo · 30/04/2026 14:56

PinkPhonyClub · 30/04/2026 14:55

Option D

ignore the new request. Instead say “hey X, hope you’re well. I understand the house has now sold, great news. So please send me back the money you borrowed for the lawyers fees. Many thanks.”

50% chance she just blocks you.

See update. I believe we posted a minute apart.

OP posts:
ruethewhirl · 30/04/2026 14:55

ThejoyofNC · 30/04/2026 11:14

B and warn everyone.

This. She doesn't sound right in the head!

PinkPhonyClub · 30/04/2026 14:55

Option D

ignore the new request. Instead say “hey X, hope you’re well. I understand the house has now sold, great news. So please send me back the money you borrowed for the lawyers fees. Many thanks.”

50% chance she just blocks you.

neoneo · 30/04/2026 14:54

Teanbiscuits33 · 30/04/2026 14:53

I understand, but I’d still pursue the other debt. It’s £900! Not an insignificant amount, and the fact she’s got the audacity to ask you again after not paying you back the first loan proves she’s just taking the piss out of you and thinks you’re a pushover.

Tell her you won’t be lending her anymore money because she still owes you £900 which she hasn’t repaid and it’s overdue from October. You expect it back by X date before legal action to recoup it. Let her know you’ve warned other family members not to loan to her either because she doesn’t pay back.

Cheeky cow.

Ha! Posted at the same time! See update.

OP posts: