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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:
Confusedbeetle · 23/01/2019 17:06

I would only be a guarantor for my own children. As a landlord, I am worried about having tenants who need a guarantor because my experience is that it often ends badly

Awwlookatmybabyspider · 23/01/2019 17:19

You'd basically be guaranteeing that she could and would pay back the loan. Could you guarantee that.
As previously alluded to. "No of course not. Therefore when she can't./won't pay. The big boys will come after you. As you would have made a promise that you couldn't keep.
Youd end up having to pay £1,000s all for doing a favor for someone.
As they (whoever they are) say
" No good dees goes unpunished "

Otterseatpuffinsdontthey · 23/01/2019 17:21

Agree with pp - you've declined her request. Decline any further future, and don't be swayed by any emotional blackmail. I can't even begin to think how someone has the audacity to ask this 2 months into a "friendship".
Also, could this have been an ulterior motive to start the friendship? Think I'd be stepping back from her.

Mickeysminnie2 · 23/01/2019 17:38

Where are your boundaries that you feel bad for not being a guarantor for a relative stranger?

RollaCola84 · 23/01/2019 17:51

A friend of more than 15 years (who is shit with money) sort of asked me to be a guarantor for a tenancy for a rental property. She said they wouldn't accept her without a homeowner as a guarantor and I was the only one she knew. I said I couldn't afford to pay more mortgage and her rent if it went wrong so I couldn't.

I think some people think being a guarantor is like providing a reference, you're saying the person is good, reliable, trustworthy etc (though how could you know that if you have known the person for 2 months), a guarantor is saying if they don't pay you will. Can you afford to do that ? Do you want to do that ?

RollaCola84 · 23/01/2019 17:52

My mortgage fat fingers Blush

Bananalanacake · 23/01/2019 18:00

Doesn't she have a mum or sister. I would lie to her. "No I can't because I am unemployed and awaiting a county court judgement for my debt". How would she know if you are making that up or not.
And BTW that is the response I give to chuggers/ people who try to push credit cards onto me.

WaxMyBalls · 23/01/2019 18:04

I don't think it's strange she's asked a virtual stranger, it's because nobody else will do it for her! And if none of her family or close mates will do it, there's a reason for that...

ellendegeneres · 23/01/2019 18:21
ellendegeneres · 23/01/2019 18:22

I’m just sayin...

ForSunnyBear · 15/06/2025 19:46

I would tell her to go f* herself and her baby! I have been asked to be a guarantor by a now ex friend who i didn't know very well. Needless to say, we are no longer friends. F** you Mia. I have changed the name of the friend. That's not her real name.

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