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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

to think that when you owe someone money

41 replies

Notsurewhattothinknow · 08/09/2014 11:30

You pay it to them when you said you would?

Nc'd for this as don't want to out myself. Backstory - I regularly pay for things which a friend then pays me their half of. The amount varies each month so I typically email them (at their request, so they remember Hmm) with how much to transfer to my bank account.

Friend has a history of forgetting until reminded - I don't believe this is intentional or malicious in any, they are just not the best at remembering to do stuff. Or reading emails.

Anyway, last week payment day came and went with no transfer. So next day I politely texted and said, 'could you please send me this month's money'. No response. That evening I got a phone call and it transpired friend has a cash flow issue, understandable, could they pay me today instead? As a one off, that was fine, although I would have preferred advance warning. Friend has told me they set up the transfer yesterday on the phone to go to me today. All good. Except nothing in my account - now I know it's only late morning, but most bank transfers by faster payment arrive first thing in my experience. And I need the money because I've got things I need to pay for myself.

I've texted again and asked if they were given any indication of what time the transfer would be made. I'm thinking were they told, 'within 24 hours' or 'during business hours' today. I'm also worrything that something has gone wrong - my bank was doing maintenance to its website overnight. I got quite a nasty text back stating they didn't appreciate being hassled first thing in the morning and it was a sad indictment of my lack of trust in them, they told me the transfer would happen today and could I prove how much they owed me if that was my attitude.

AIBU to think that when someone has done you a favour that you might be a bit more apologetic if the payment hasn't been made, rather than having this attitude with the person you owe money to?

Sorry that was so long.

OP posts:
amyhamster · 08/09/2014 11:34

What things are you & your friend buying together? All sounds weird to me
I'd knock the whole arrangement on the head
Who can be doing with nasty texts?

bluewonderful · 08/09/2014 11:35

Well at least you know its the last time as you will never do this for the "friend" again. YANBU and you are not his/her bank. You could point out that if she had done this with her bank there's a £30 late payment fee.

ThePrisonerOfAzkaban · 08/09/2014 11:36

Why are you doing this? Sounds rather an odd arrangement

Leeds2 · 08/09/2014 11:36

Tbh, given that friend has said the transfer would be today, I wouldn't have texted her this morning. If I was the friend, and I had indeed set up the transfer, it would have irritated me. That said, I wouldn't have sent you a nasty text.

And I would stop the arrangement you have of paying friend's share of something, so that the same thing doesn't happen in the future.

seasavage · 08/09/2014 11:37

Tell the froend you do appreciate that cashflow is a problem, but that this situation is causing cashflow problems for you and it's caused enough stress / upset that clearly it isn't working out. You'd rather things functioned smoothly between you so it might be easier for everyone to pay their own directly. End the arrangement.

Lweji · 08/09/2014 11:37

I'd insist that next time the friend pays for themselves, or that they purchase whatever and then you pay them.

But based on their reply, I'd be more inclined to drop the friendship.

OwlCapone · 08/09/2014 11:38

YANBU.

If you cant manage a payment, you let the person know in advance and you apologise.

I've vowed never to lend money to anyone again TBH.

oldgrandmama · 08/09/2014 11:39

Good grief, I'd put an immediate stop to paying for things for your 'friend'. Let her pay her own bills. I believe there's an old saying to the effect of lend money, lose a friend (I'm sure other more erudite MNs will know the quotation).

Notsurewhattothinknow · 08/09/2014 11:40

Yep - that's what I thinking. It's not nice and I've got a sinking feeling in the pit of my stomach that I'm just not going to see the money today. If the boot was on the other foot, I'd be checking the money had gone out of my account in time, but that's me and I guess lots of other people would be more relaxed about it.

OP posts:
Lweji · 08/09/2014 11:43

Even if they are "relaxed", they should have apologised and be nice about it.

You said you needed that money, so I think it's natural not to relax. And I wouldn't, as they had said nothing before in the previous due date.

Ditch them.

UncleT · 08/09/2014 11:47

Could you prove how much she owes?? That's really pissy and a massive red flag. Do not lend this clown a penny more ever. I agree that texting in the morning was daft, but still - absolutely no excuse for the reaction.

Shonajay · 08/09/2014 11:50

I'd be getting out of this ASAP. Sounds to me like she is going to stop altogether, with that massive red flag as posted by uncleT.

KeemaNaanAndCurryOn · 08/09/2014 11:52

Stop lending her money from this point onwards. You'll only be racking up problems for yourself.

The only good thing is hat she's actually keeping in contact with you. I've known folk completely cut contact rather than pay people back.

Shonajay · 08/09/2014 11:52

Oh and a tip, my friend who is far too generous for her own good was constantly being asked for a loan of £50 till payday, every month, by the same person (who could still afford to eat out, nails done etc). So, last month she said, do you know what, just keep it. And she's not been asked again and if she is she won't.

PedlarsSpanner · 08/09/2014 11:58

Tbh I would stop the arrangement

If they want the stuff they can get off their arse and get it themselves

TheBatteriesHaveRunOut · 08/09/2014 12:02

YANBU

Friend should be apologising profusely.

Whatever this expenditure is, can you ask the friend to stump up for it from now on, and email you for payment? That's assuming you can't drop the arrangement altogether.

Notsurewhattothinknow · 08/09/2014 12:05

I'm angry now - seems to me the transfer hasn't been made. If it had been, you'd just say you'd done it and check the money had left your account and gone to the correct account wouldn't you?

If someone genuinely has a problem making a payment, they should just tell you in advance, otherwise how on earth do they think you are meant to manage yourself?

OP posts:
BitterAndOnlySlightlyTwisted · 08/09/2014 12:13

It's likely that the money will show in your account by close of business today. Given her snotty attitude I'd be ending this arrangement tout bloody suite. She's a piss-taker and an ungrateful one at that. The flipping nerve to ask for proof of what she owes! You don't need to be told that the only one who is demonstrating "lack of trust" is not the one who's paid out for stuff and not received the money back for it yet.

OnlyLovers · 08/09/2014 12:15

TBH I would have given them overnight (ie until Tues morning) before I texted to chase. BUT if I were the one being lent the money, I'd be more gracious about it and would double-check that the money had been transferred correctly, so YANBU.

The arrangement sounds like one that could go wrong very easily, TBH, and I would knock it on the head if I were you.

LatteLoverLovesLattes · 08/09/2014 12:16

What on earth are you buying to 'share' the cost of that's worth this much hassle?

Tittifilarious · 08/09/2014 12:17

YANBU but the nosey cow bit of me is DYING to know what you pay for, how much and why!

Lweji · 08/09/2014 12:20

So, last month she said, do you know what, just keep it. And she's not been asked again and if she is she won't.

Sounds good to me.

This "could I prove how much they owed me if that was my attitude." would worry me.

Jux · 08/09/2014 12:37

I think you're going to have to forget seeing your money; if you do, call it a bonus. These things you pay for, are they things like lunches which you can stop paying for, or are they things like joint debt repayments, which you can't?

holidaysarenice · 08/09/2014 12:43

I would get this money without making a massive fuss, then I would go batshit with them and drop the friendship fast.

Anewmeanewname · 08/09/2014 13:07

Is this drug money? [Shock]

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