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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To say to being a guarantor?

86 replies

newmun · 23/01/2019 15:55

I have a new mum friend known about two months

Shes asked me to become a guarantor on a loan ?

I said no but feel bad. Aibu?

OP posts:
treaclesoda · 23/01/2019 15:56

Why would you feel bad? You barely know her.

TheQueef · 23/01/2019 15:56

No obviously.

LutherLover · 23/01/2019 15:57

Helllllll no

Caselgarcia · 23/01/2019 15:57

Why do you feel bad, you don't really know her. I would question why she is asking you, have all her family and long tern friends said no?

Clickncollect · 23/01/2019 15:57

Hell no OP, please don't feel bad, you've done the right thing.
If she was to default on payments, you would be responsible for paying.

letsdolunch321 · 23/01/2019 15:57

NO way would I be guarantor to someone I know very little about.

You did the right thing not agreeing to it. Why ask in the first place !!!

LIZS · 23/01/2019 15:57

No

PlainSpeakingStraightTalking · 23/01/2019 15:58

No! never.

IWannaSeeHowItEnds · 23/01/2019 15:58

You'd be mad to do it. You barely know her and only a cheeky fucker would even think about asking a virtual stranger to take such a huge financial risk for them.
You've dodged a bullet.

userschmoozer · 23/01/2019 15:58

I think what you have there is a cheeky fucker - what are the odds that she needed a loan and looked around for someone who finds it hard to say no?

PerfectPeony · 23/01/2019 15:59

Oh god no. That’s so weird!

Isleepinahedgefund · 23/01/2019 15:59

Good lord no. I wouldn't be guarantor for someone I'd known 20 years let alone 2 months!

Don't feel bad.

Drum2018 · 23/01/2019 16:01

Absolutely no unless you want to throw away whatever amount it is she's borrowing - cause that's what will happen when she decides she can't pay and the bank chases you. Who on earth asks such a thing after knowing you for only 2 months. I wouldn't do it for my siblings, let alone someone who is practically a stranger to you.

And when you respond don't apologise!! Just say a straight out No.

AutumnCrow · 23/01/2019 16:01

Do not feel bad. And do not do this, ever, for anyone except your own trusted adult DC (when the time comes) for accommodation that you know they'll look after.

TopicalUseOnly · 23/01/2019 16:01

She's the one who should be feeling bad for asking you.

Too right you said no. Presumably she asked you because she knows that all the people who've known her for longer and know her better would definitely say no!!

Cranky17 · 23/01/2019 16:01

She’s taking the piss even asking.

Drum2018 · 23/01/2019 16:02

See you already said no - stick to it if she hasn't the cheek to ask again.

Sexnotgender · 23/01/2019 16:02

Absolutely not!

If she needs a guarantor she’s got shit credit so is poor at managing her money.

Plus you’ve known her like 5 minutes...

wendywoopywoo222 · 23/01/2019 16:02

You would spend a lot more time feeling bad in the future if you had said yes. You definatly the right thing. Don't doubt yourself.

teagivesphoebethetrots · 23/01/2019 16:03

no way!!

Drum2018 · 23/01/2019 16:03

'Has the cheek to ask again' damn predictive text.

Elfinablender · 23/01/2019 16:03

Ha, fuck no.

peachgreen · 23/01/2019 16:04

I would never be a guarantor for anyone other than my own children. Madness.

Drogosnextwife · 23/01/2019 16:04

I wouldn't do it for anyone never mind someone I had only known a few months

Poloshot · 23/01/2019 16:06

As yourself if you'd be willing to GIVE her x amount (which is effectively what you'd be doing if you were agreed to her proposal and she defaulted). I assume the answer would be no.