Puts me in mind of quite a long time back when me and DH were struggling financially (maybe 10 years ago,) and a family member lent us money for a new cooker when we moved into a new private let that didn't have one. She offered to lend us the money, and we said 'sure that would be great, so at least we can have a cooker for Christmas.'
So in early November she lent us £350. We said we would pay it back in 5 instalments in January, February, March, April, and May (£70 each time.) We then went and got the (gas) cooker, and paid to have it fitted (£40 I think.)
Out of the blue, 4 weeks after she lent us the money, and 3 weeks after we bought the cooker and got it fitted, she texted me saying she needed the money back.
We had already spent it, and had nothing in the bank.
(Only enough for bills.)
We did say 'well we thought you were good for this money for a few months. We had agreed to start paying it back in mid January, and give you 5 instalments.' She insisted something had come up, and she needed it back.
Fucked me right off it did. We had to go to the bank, explain our predicament, and beg them for a temporary overdraft, so we could give her the money back!
After that, like @junebirthdaygirl, we never took anyone up on any offer to borrow anything. Nor do we lend anyone anything - ever. 'Never a borrower or lender be' is one of the most apt sayings ever imo.
@coughlaughfart
Some people are acting like the OP's friend is Mother Theresa for being so kind a sister to lend her the cot and to then pass it on again. If she was that kind she'd have asked the OP if she minded and offered to pick it up at a convenient time, not presented it to her as a fait accompli - AND expected her to provide free delivery into the bargain.
Agree with this. The OP's friend should have explained she was going to want the cot back in 2-3 years. I mean, what if she had given it away (or thrown it!) And to make her take it to the other woman is downright bloody cheeky!