I feel the need to keep rebutting everything OP says, so I'm going to do one more post.
you must be very untrusting
I can't quite put my finger on why this particular sentiment has my shoulders up around my ears, but it's something about the sheer entitlement of it. "YOU'RE NOT DOING WHAT I WANT CLEARLY YOU DON'T TRUST ME BAD FRIEND NO COOKIE" or similar. Simply put, it reflects more poorly on you than on your neighbor.
And the poster that says I'm a cheeky fucker I suppose I'm a cheeky fucker for feeding her kid, looking after her kid, giving her kid money for sweets...
You're certainly not Friend Of The Year for treating favors like barter or trade. She asked you to look after her kid - you said yes. You didn't say "yes, as long as you give me your internet password" and she suddenly reneged. You're being very unreasonable to assume that because you did her one favor, you're now entitled to demand anything you like in return.
Your friend is not very kind. She trusts you with her children but not her internet, wtf?! grin Just remember this when she wants a favour.
This isn't friendship, it's ugliness. It's not being a friend, it's being mercenary. I don't do my friends favors so I can get something from them. I do them out of the kindness of my heart, because we're friends. I don't expect anything in return.
I wholeheartedly agree with every single word of what @bingbongnoise said. Especially this:
Once again though, we have people saying people are tight/ mean/ stingy/ unreasonable/ awkward/uptight etc etc, because they don't want to do something they would do. I get sick of people being lambasted by posters, because they have a different way of dealing with things, and a different set of standards.
They don't send bills with warnings etc anymore, they send emails and I don't always pick them up.
So then they do send warnings. Just because you don't bother to read them doesn't mean they weren't sent.
Meanwhile, OP, you admit fairly recently on this thread that you could have called the bank but you didn't think of it. I can see how. Too busy demanding things from people and then throwing a tantrum when they weren't handed to you. Shameful behavior - but not from your neighbor. From you.