I'm posting this on behalf of a family member as she wanted opinions on this situation. Two friends book a holiday (for the sake of this thread i will call them jane and Lisa) they agree that they will pay off £250 a month so that the holiday is paid off in time. Lisa keeps up with the payments but jane doesnt. lisa starts to worry and speaks to jane about it jane says she will pay it after christmas, which turns into after easter and basically keeps making excuses. Anyway 2 days before the holiday is due to be paid off Jane says she needs and extension and asks Lisa to call the holiday company (which she does and they agree to a 2 week extension.) Jane insists she wll be able to pay it off in the 2 weeks. During the 2 weeks Jane says she cant get the money and says she will get a pay day loan. She doesnt get one in the end and asks Lisa if she will loan her the money. lisa doesnt as she cant afford it, shee then asks Lisa if she has anyone who can take the place. With it being such short notice Lisa struggles to find someone but eventually does 48 hours before the deadline. Lisa tells the other friend she can have the holiday and pay off the reminder and just pay for a name change. Lisa tells Jane and Jane says she wants the other friend to pay her the money back which she had paid towards the holiday. Lisa tells Jane she has 3 options, which are she either comes on the holiday herself and finds a way to pay the remaining money, pays back the money Lisa will lose from the cancellation fees or accepts she will lose the money she had paid so far. Jane says she wants the money back in installments but the other friend has already said she wont be able to pay anymore than the out standing balance. so jane asks for it back in instalments. But the other friend is unwilling and is only able to accept the holiday at the out standing amount. Jane then says just do what you want and hasnt spoken to Lisa since. What are your opinions and who is wrong in this situation?