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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:
bathbuns · 13/12/2010 22:17

Summerbird it's ok, I can see why it looks like I'm asking MN for money. I expected that response. I actually don't want to ask for money. I've just been reading the Secret santa thread and my gut feeling is that that is what MN does best, helping it's own, helping trusted members who are already part of the community. Who have a backstory on here, who can report back on the good it's done. (and that thread is amazing) Not random strangers who one member knows.

I did think about namechanging so I don't have to be embarrassed that this looks like a shameless plea for money, but then I think it's far fairer to post under my real name so people can see my other posts and see I'm a proper, regular member.

But then there is also the aspect where I'm thinking 'please oh mumsnet help' because this friend I really care about is in trouble and I'd rather swallow my pride and put this out there than leave it.

But if I get some great advice and the chance to clear my own thoughts and zero pence from posting this, that is still great. It will still help. If I say all this to friends/family I don't want to go down in their estimation if they immediately assume he is conning me. I feel silly talking to them about it, even if I trust him. I know how it looks. Sad

OP posts:
scouserabroad · 13/12/2010 22:19

I think it depends how well you know him. If you think that all he says is true, and if it's money that you can afford to give then why not?

If he was in the UK and needed money, what would you do?

As someone else said, is there any way you could check what he is saying? But if you start checking it means that on some level you don't trust him and maybe shouldn't be lending/giving money.

Sometimes you just have to trust people. I once lent some money (nowhere near the £1500 but it was a lot to me at the time) to a guy I'd only just met, because I had a sort of gut feeling it would be OK. He did pay it all back with absolutely no "reminders" on my part.

bathbuns · 13/12/2010 22:19

Thanks Valhalla.

I guess if enough people say that, I do need to listen and not help him. It won't stop me worrying hugely about him but at least I'll still have my money.

OP posts:
Lindax · 13/12/2010 22:22

JustGiving is for registered charities only and the money goes directly to them so you wont be able to use it for this.

He is too ashamed to tell you how much he owes, but does in detail.............

You are really not comfortable asking for money from us but you will look into it...........

Sorry Summerbird concerns are sounding more valid.

Summerbird73 · 13/12/2010 22:22

bathbuns sorry for doubting you, FWIW i was not calling troll (i am too scared to ever do that!) my alarm bells just went into overdrive when i saw the bit about donating £1, the little amount that it is. I have just heard of people being drawn in on here and i went into foot in mouth! Again FWIW i do recognise your name from other threads so dont doubt you.

OTOH i really do think that this guy is not genuine, it must be hard for you as you have got to know him but that is the MO of a conman.

I like the idea of refusing him and offering a shoulder to cry on - see how he reacts.

HTH

Lindax · 13/12/2010 22:24

Love Valhalla idea to pay hospital directly

booyhohoho · 13/12/2010 22:25

OP. how about, telling him you just don't have that sort of money, that you are so sorry, you wish you could help. ask him if tehre is anything else you can do, and tell him you are still here for him to talk and offload. then if he cuts all contact you know it was a con and you aren't out any money. if he persists on asking you for money, again, you know it is a con. if he remains in contact just as a friend needing sympathy then maybe you could reconsider helping out afetr a while.

bathbuns · 13/12/2010 22:26

Can I just say thank you?

You're all being very kind. I thought I might get completely flamed and actually you're all being so helpful. It makes me feel so much better. It's so good to bounce it off other people.

I won't set up a justgiving page or anything like that. It's quite right that such a large sum should go to a charity or somesuch. I know I can't give it to him from my own money either. I still feel like I know him enough that it's genuine, I really do, but it isn't my role to pay this hospital bill off. I can't. I don't have that sort of money. I'll keep being a friend to him if he wants that because I do believe he is a very sad man indeed right now, but there you have it.

OP posts:
Vallhala · 13/12/2010 22:27

Have a look here

bathbuns · 13/12/2010 22:28

Ooh you recognise me summerbird! That's made my mumsnet day! Quite understand about the alarm bells, as I said I'd have the same reaction with another poster.

I will indeed offer him a shoulder. From my experience of him I think he will be very grateful for that alone.

OP posts:
Summerbird73 · 13/12/2010 22:29

thanks lindax i am still Hmm with the idea of the good people of MN jumping in to offer to help.

agree with boo's suggestion above.

bathbuns · 13/12/2010 22:29

Thanks Valhalla.
That's the sort of thing I've been reading recently. There are some horrible people out there.

OP posts:
Summerbird73 · 13/12/2010 22:32

dont know where i recognise you from - are you on the xfactor threads?? still it is nice to be recognised - even if it is anonymously!

bathbuns · 13/12/2010 22:36

Lindax I think I'm sticking with 'I'm really not comfortable asking for money.' Because I'm not.
Ignore the 'I'll look into it.' I'm not going to. Twas a moment of just feeling a bit desperate. I feel pannicky even thinking about him and his situation. One of those things you post where as soon as you do you think, 'no. That isn't right.'

OP posts:
bathbuns · 13/12/2010 22:37

No not the xfactor threads. I'm a Strictly girl, I'll have you know!

Smile
OP posts:
Summerbird73 · 13/12/2010 22:37

valihala's link is scary Sad

Summerbird73 · 13/12/2010 22:38

Blush Grin

blushington · 13/12/2010 22:43

Sorry I agree with Valhalla. It just sounds like an absolutely classic case. Don't give him anything

kingazanzi · 13/12/2010 22:49

I'm sorry but how do people get scammed online? just read the link and it doesn't make sense! oh I love you babybabybaby...

oh here, I'll ship you over $30000. Oh hell nooooooooo. Some women are just weird.

Sorry OP, it's a SCAM! wouldn't be surprised if you were in it.

MumNWLondon · 13/12/2010 22:56

I think if you think its genuine then give what you can afford not to get back. Don't give a loan.

Trop · 13/12/2010 23:18

I get emails like this in my inbox regularly. Not South Africa but perhaps Nigeria?

You want us all to give you a pound?

Jog the fuck on.

thebrownstuff · 13/12/2010 23:45

OP, if you don't feel that you can give him your own money, I don't see why you think mners should dip into their pockets.

It may or may not be a scam (although sounds a bit dubious), but IMO you should give him what you're prepared to lose.

hth

classydiva · 14/12/2010 00:00

Id give a quid, give us your paypal email address via message and I send it.

wineonafridaynight · 14/12/2010 00:03

Hi op, I have a friend in an African country that we met several years ago on holiday. He was wonderful - acted as a tour guide, e.t.c... and we had a great time.

He added us on Facebook when we got back and has never directly asked for money however I know things are obviously tight for him (in that country a sack of rice costs half the monthly salary for example and I know he feeds his parents and younger siblings but lives alone).

He seemed very genuine when we were over there - things he said he didn't have to say - for example, he does not pay a lot of rent as he collects all the rents in the compound for his landlord who lives abroad. Surely he wouldn't say that if he wanted to make out he was hard off and also said that he was lucky that a Norweigan lady paid for his school fees when he was growing up.

Anyhow, I'm rambling but I always feel similar to you - i want to help, can't really afford to but feel bad because I know he needs it. He never really asks (although did ask once for an Ipod Hmm which made me quite mad).

We sent him £20 when we first got back from the holiday as a thank you - he was very grateful and also sent us a christmas card later that year - very sweet as he isn't Christian.

Our opinion has always been he is a nice guy. We do not have money to help him. If we were in a position to go on holiday to his country again we would take lots of gifts and also try to factor in £50 or so into our holiday spending money on the basis that he is a lovely guy, we like him and is useful to know as well and was very helpful out there last time. If we had a lot of money - as in thousands and thousands saved (unlikely to happen any time soon) we would like to do something nice for him like buy him a car so he could work as a tourist taxi driver. Sadly it is unlikely to happen but it is something that we feel would be nice to do and if he wanted he could realistically pay us back if he wanted to, however we would not expect it at this stage.

If you were to give him £1,300 - a lot of money over here but quote possibly a few years salary in whatever country he is in, it is not something that he will ever be able to pay back and I expect that if he is genuine he might possibly say no anyway. For example if I gave my friend that money it would be 2.5 years salary in his country! :0 Imagine someone giving you 2,5 years salary.

Anyway totally rambled but point is I understand how it's really dificult but you are right not to give him the money. Maybe send him gifts or a token gesture of money, but £1,300 is a lot unless you can really, really afford it.

Anyway he has stayed in touch despite the fact that he knows DP and I cannot help him - we have had a run of bad luck financially over the past few years so there is no way we can give him any money. This guy is aware of our lack of money but has stuck around as a friend and stayed in contact.

wineonafridaynight · 14/12/2010 00:03

Gosh that was long sorry. Blush

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