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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

to want to help my friend financially

80 replies

bathbuns · 13/12/2010 21:39

Ordinarily I wouldn't lend money to people, from the point of view that I don't have much and you should only borrow what you can afford to not get back.
But I have a good, good friend, who lives in. lets say, South Africa (not the real country) and he is in need. I've known him a couple of years; I met him on holiday - he was a tour guide who was just so ultra lovely and friendly and we have kept in touch since then. I went back to the same place twice so got to know him a bit better then too. Nothing romantic, he has a lovely wife and a new child. Just a good friend.
Over the last year I knew things were tough (we're facebook friends) but it has only recently come to light how bad things are. His son died a year ago (his wife has only just given birth again a month ago). Then his Dad died and a month later, his Mum. Then a car ploughed into him in the street and he broke his leg, I think another month after his Mum died. Then it turns out that he lost his home. He works, and has worked all the way through everything that has happened, so I have huge respect for him. He still has his job and is now living with his brother but it has all come out that his brother is very resentful of him living there and doesn't help him financially, and he is really struggling to make ends meet.
This lovely, generous, kind guy is struggling so much and I am finding it very hard to know that and not just walk away without helping financially. I know his story is genuine as far as anyone can know about anything like this.

Would I be unreasonable to help him? My friends and family would most likely be appalled because they would doubt his sincerity or think lending money is wrong. I really wouldn't be able to afford very much. I know he has to pay £1300 on a hospital bill for his late son. (I had to drag that out of him, he doesn't want money from me. He is ashamed that I know that he owes that) He is getting harrassed a lot about it, and I keep thinking if I could clear that for him it would make such a difference to him. But it is so much money. My gut instinct tells me I shouldn't lend him anything; lots of people are in his situation. But my heart breaks for him. He can't take any more. He has lost so much. His son was so beautiful.

What I want to do in all honesty is make a post here saying please if you read this can you give a pound each, we could make that money in no time, but I am not doing that because I am aware that a lot of people troll at this time of year and ask for money, and it's just not anyone elses responsibility. That's just where my thoughts lie when I lie awake at night when I'm desperate for a solution for him.

So what do I do? Would IBU to say to him I can't lend it? Would IBU to lend it? How do I walk away if I don't help him, knowing this lovely, good person is in deep trouble and can't earn the sort of money to clear his debt and keep his family afloat.

Eurgh, hope this post doesn't seem like money grabbing. That's not my intention, truly. I just needed to write this all down somewhere. I'm so worried about my friend and I keep imagining how I would feel if I was in his position.Sad Life is fucking cruel at times.

OP posts:
CarGirl · 13/12/2010 21:42

If you can't afford to "give" him the money then I don't think you should loan it. Perhaps loan him as much as you could give him and then if he doesn't repay then it's okay?

EricNorthpolesChristmas · 13/12/2010 21:42

Don't lend it. Give some if you can afford it, but you can't possibly expect it back. If you set up a paypal address I'll donate £1 happily, I do get it. But just don't expect anything back.

SerendipitousHarlot · 13/12/2010 21:44

Can you do a JustGiving page? That way people without Paypal can pay on their card I think.

I'd happily give a quid. And if it's a load of old shit, I've only lost a quid.

Chil1234 · 13/12/2010 21:48

YANBU to want to help someone you think you know & who you clearly like. However, there are a lot of extremely lovely con-artists - home and abroad - and you have to be very careful that you are not being sold a sob-story just to extract cash. It would be a very common thing to happen. If you do choose to help, make sure it is only what you can easily afford and that you are clear that it is an unconditional gift i.e. you do not expect to be paid back.

Listen to your gut...

FattyArbuckel · 13/12/2010 21:51

Give him what you can afford, don't lend the money to him.

dexter73 · 13/12/2010 21:51

Are you sure he isn't spinning you a line?

celebmum · 13/12/2010 21:52

In all honesty i'd be tempted to loan him the money. but as mentioned you will have to be prepared to perhaps not get that money back.. afterall if your friend is struggling to pay his hops fees then surely he would struggle to pay you too?

QOD · 13/12/2010 21:55

I kinda do think you are being suckered. AM I the only one? (Oh i see you CHil!)

BrandyButterPie · 13/12/2010 21:56

Tbh, and please don't take this the wrong way, but to an outsider it stinks of fraud I'm afraid :( Just too many misfortunes to hit one person to be believable I'm afriad.

I would happilly be offering him advice, ad maybe even sending useful gifts, but I'm afraid there is no way I would be giving him money (and that is what it would be- how on earth would he pay you back?)

BrandyButterPie · 13/12/2010 21:56

Blush no idea why I said "I'm afraid" so much there...

CarGirl · 13/12/2010 21:56

That's what I think QOD hence only give what are happy to never get back. In many countries they think we are all really really cash rich.

AnnoyingOrange · 13/12/2010 21:57

May I join the cycnics too? Alarm bells ringing here

Vallhala · 13/12/2010 22:00

Oddly, a friend of mine loaned a lot of money to a man (in Africa) whose wife died in a car crash... and then his son died... and then his parents died...

She never saw the money back and sadly it turned out just as I suspected. It was a scam. When she confronted him he became very abusive and threatened her too.

All I can say is beware.

SwearyMary · 13/12/2010 22:01

Never loan money. Always give it, then if you get it back its a bonus.

Jumpty · 13/12/2010 22:02

Maybe I'm too cynical but this doesn't seem right. Why did you have to drag out of him how much his hospital bill was? Was he hinting about it? Seems a huge amount for a hospital bill somewhere like South Africa (although you said it's not there). This all seems a lot of information to be giving out to Facebook friends. Most con artists seem lovely and an elaborate con is less likely to make you suspicious than an outright request for money. Sorry to sound such a humbug.

Lindax · 13/12/2010 22:02

Its really difficult for others to say if YABU as we dont know him.

If you can afford to lose it and want to lend it, go for it. YADNBU to say you can't lend that amount of money. Support him in other ways - emotionally/advice.

I know it would be only £1 to me personally, but, I would rather £1300 went to a known reputable charity.

As previous posters say, its sounds a bit like a con - so be careful.

dickiedavismincepies · 13/12/2010 22:02

I'm with the others who say be careful.
Read this, it's along the same lines.
www.guardian.co.uk/money/blog/2010/feb/10/online-dating-fraudsters-scam

The difference is that you have met him, but what you don't really know is how genuine it is - or how many other people he's made friends with in similar circumstances who he might be talking to about this as well.

I think the real test will be if you say no, you're sorry but you have no money to help, and then see what his reaction is.

booyhohoho · 13/12/2010 22:03

all sounds like a con to me.

put it this way if someone posted that series of events onhere, everyone would be shouting troll form the word 'go'.

QOD · 13/12/2010 22:06

Just don't do it. Please. Do you know anyone else there? The manager maybe of the hotel you were at?? SOmeone who can check? Can you do some online searching??

portaloo · 13/12/2010 22:06

Just wondering whether you have thought what you will do when he needs more money after your initial 'loan' to him?

He sounds like he's suffered rather alot of bad luck, and maybe one lump sum will only help until he encounters another problem IYSWIM.

QuintessentialShadows · 13/12/2010 22:06

It sounds a bit suspect.....

I would not send him any money. He might be spinning the same line to all the people he regards as wealthy enough to travel to his part of the world on holiday.

Summerbird73 · 13/12/2010 22:07

I have two concerns about this OP, one - if it is genuine then be aware that this guy sounds like a fraud. My second concern is that the OP is asking MN for money, sorry but i am a bit sceptical about that...

This is just MY gut feeling though, and sorry to doubt you if you are indeed genuine but i had to put it out there.

bathbuns · 13/12/2010 22:12

Thank you. I don't mind honesty at all, so it is fair enough if you think this smells of fraud. I'm sure I'd be saying exactly the same thing to someone posting the same as me!! I have tried to read a lot online about internet fraud to keep safe, but some fraudsters are so very clever, aren't they?

My gut says it isn't fraud in this case, simply because a lot of the rubbish started and mainly happened a year ago so why not ask me for money then? It really seems (and again a good conman could appear to do this) that he has struggled on and struggled on and it's all just got too much now. I have seen photos of his son and his parents who have died and talked to his friends and relatives over facebook when he had his broken leg, again it could all be faked, but my gut feeling says it isn't. I've spoken to him on skype and he's been in tears as we've talked, but again a con man could do that. I just think that clever requests for money could have started a lot sooner if that was what he was after. And it's just one of those things isn't it, it sounds trite saying it online, but I feel like I know and trust this man, and he is so very kind. When I was out on the trip where I met him, he had children just hanging off him 24/7 because they all adored him and he was so gentle with them.

It's really really sweet of some of you to offer a pound. I really don't feel comfortable just saying 'yes, thank you,' but I will have a look online at justgiving pages, just to look more into it. I think I need to at least look at it as an option to help him, I just can't bear the thought of doing nothing.

OP posts:
lovelysunbeams · 13/12/2010 22:13

My friend C lent a lot of money to a chap from Africa who was having a truly dreadful time. She met him on a trip to Kenya. Lovely bloke, lovely family, son died, had a huge hospital bill to pay.

We all told her she was silly for sending the money to him, but she insisted she knew him, it wasn't a scam and that we were all wrong.

Until she paid it and she never heard from him again. I'm very cynical since that.

Vallhala · 13/12/2010 22:17

It's common for scammers such as this - and if he ISN'T a scammer I'll eat my hat - to weave a story over a year or more, building up trust and authenticity.

I'd do some research if I were you. Google his email address for a start.

Ask which hospital is treating him an "offer" Wink to pay them directly.

Sorry, but you're being had.