Active discussions

Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To be wary of making any further payments?

570 replies

Abcdefgfedcba · 28/09/2019 08:46

I've been very stupid by not keeping a log of everything and am now in a real pickle.

A friend allowed me to purchase items on a catalogue in her name. This was various items over 12 months. I was not the only person, which means the payments made monthly onto the catalogue were for various peoples orders.

I stupidly didn't keep a record of what was bought and what was paid back.

I've asked a few times now for her to send me information of the total cost, along with payments made towards that. She keeps saying she will do this, but never does.

She's not messaging me up to 10 times a day saying I need to pay at least 100 per month because I owe her over 2k.

Looking at my bank statements I have already paid back over 1k.

I ordered clothing, kids Xmas presents last year, a smart watch, laptop.

Am I Being a terrible person to not want to keep putting money into her bank without seeing proof of how much I owe at least?

I'm worried that I'll end up paying money back indefinitely even after clearing the balance.

I'm grateful that I had the opportunity to buy things on the catalogue, but I just want a statement or something to show where I'm up to.

I now feel harassed and stressed by the constant texts. Should I just put more money into her bank?

OP posts:
Thread gallery
6
Original poster
abcdefgfedcba · 29/10/2019 18:02

Hi all.
I did the list as best as I could and going off what I can pull together I'm fully paid up interest free.

As expected no statement or breakdown has been sent.

Today is payday and surprise suprise I've had a text message. Basically stating that the catalogue has now been closed and if I pay 200 pound by end of the month she will write off the rest.

Lesson fully learnt and I'm now considering blocking and moving on with my life. I will never ever purchase anything on catalogue or do anything in anyone else's name.

I'm so grateful to every single person that posted on this thread.

Here's hoping I'm left alone when no payment is sent although I'm not holding our much hope on that.

OP posts:
Original poster
Abcdefgfedcba · 29/10/2019 18:03

Name change fail. Sorry.

OP posts:
ForeverFaff · 29/10/2019 18:29

Don't pay. Get proof.

lalafafa · 29/10/2019 18:51

the only items you needed from that list was kids clothes , the rest are luxuries. Thats why there's so many people in a mess, they can't wait for anything.

RandomMess · 29/10/2019 18:56

Well you know you have fully paid up, she won't provide proof and it's her problem not yours.

Block and ignore.

smileylottie87 · 29/10/2019 20:05

Well done OP, no surprise that another demand for money came in on pay day and she's acting like she is doing you a favour by "writing the rest off". Ignore her as best you can but if you ever feel like you have to reply, just keep stating you are not paying anything without a full statement as you believe your debt it cleared, just send the same message every time no matter what she says. That way she cannot draw you into any other bullshit reasons she thinks you should pay. I hope you and the family have a lovely Christmas Smile

Raindrops17 · 30/10/2019 17:17

I'm sure she will hound you for a bit like she did last month. But you should really keep standing your ground, it's quite a coincidence she is happy to 'write it off' if you pay her just £200 more Hmm

Original poster
Abcdefgfedcba · 30/10/2019 17:59

Thank you all. If I receive any more messages I am going to block her number.
There is no chance that she would be writing it off if I still owed her money and if it were the other way round I'd be jumping at the chance to prove what was owed.

I have a feeling I have indeed overpaid and she's just trying her luck for Christmas.

I'm going to stay strong and carry on without being drawn into any further discussions.

She has my email address and if she decides to send over proof I'll happily take a look, but I think we all know that will not materialise.

OP posts:
onyabikeivy · 30/10/2019 18:34

I'd bet she's gone into debt management with the account, hence no statements to show, if you still owed money and she was using your payments to pay off the balance the account would need to be open

Original poster
Abcdefgfedcba · 30/10/2019 19:55

Hmmmm.. Just had another message asking did I get her text.

Asking if I was to pay the 200 and clear it or carry on paying per month the remaining balance of 850.

Written to get a reaction I suppose.

OP posts:
Original poster
Abcdefgfedcba · 30/10/2019 19:55

Want not was.

OP posts:
happinessischocolate · 30/10/2019 19:58

Either ignore or say yes I did get your text but I'm still waiting for you to give me a breakdown of what I owed, as I now think I may have overpaid you

😁

MutedUser · 30/10/2019 19:59

Don’t pay her another penny as you said she hounds you it wouldn't be the end . She would message you back expecting more maybe next month maybe next yearl

happinessischocolate · 30/10/2019 20:00

And I have a catalogue, if a friend had bought stuff there is no way I'd just say pay £200 now and I'll let you off the £850 you really owe.... makes no sense at all 🙄

MiniCooperLover · 30/10/2019 20:36

There is absolutely no way if you owe Uber £800 she'd allow you to pay £200 to clear it

Raindrops17 · 30/10/2019 21:11

Oh so she suddenly has a final figure? Which means she should now be able to give you a full break down... which won't happen.

Agree with others you wouldn't say pay £200 and I will write off the extra £650 Confused

justthecat · 30/10/2019 21:14

Block her cheeky bitch

InvisibleWomenMustBeRead · 30/10/2019 21:37

Just read the full thread - sounds like she's totally taking the piss now. Either block and ignore or send a text saying that you believe you've over paid and would like a refund.

Original poster
Abcdefgfedcba · 30/10/2019 22:19

Also, if she's closed it down then why would she give me the option to carry on monthly if I don't want to write it off?

She had also put in the message that she's just trying to help me.

Not replied and also not going to.

OP posts:
Shooturlocalmethdealer · 31/10/2019 03:53

I'm betting she never paid a dime to that catalogue. She totally took your money and spent it other ways. That's her business but she is trying to rob you blind now. I think you overpaid going by your posts. Stand firm. Block her and lesson learned.

ForeverFaff · 31/10/2019 06:43

I'd ask for proof again. She seems to be willing to text now that her scam is in danger.

RosesAndLilies · 31/10/2019 08:10

As if! She's hoping you fall for her lies

RockinHippy · 31/10/2019 09:06

Might be relevant, so thought I'd mention. As your friend offered & does this for others too, my guess is that she is also making a cut for herself. I had a friend that used to do this to buy herself stuff she wanted from the same catalogue. It would explain why she is doing this & for others too. She was always upfront about the profit she made for herself though & was actually stitched up big time by her so called friend & neighbour who refurnished her house from friends catalogue & then disappeared overnight leaving friend with large dept that she had to pay herself.

I'm guessing your friend is making a profit,

InvisibleWomenMustBeRead · 31/10/2019 09:08

I think that's fair enough @RockinHippy as long as everyone is aware and it's all above board as she's essentially acting as a credit lender so should get something for her risk (especially as she was so badly let down by a friend).

Jeezoh · 31/10/2019 09:13

Going against the grain, I’d reply back with “By my calculations, I’ve already cleared what I owe you but if you have evidence to the contrary, please send it to me and I’ll take a look. Otherwise, stop asking me for money as I won’t be discussing this with you again without a breakdown of what you believe is outstanding”

Swipe left for the next trending thread