Refusing to pay back my "friends " mum money I owe aibu?

[bradtit]

6 months ago I borrowed a friend £300 and they promised to pay me back.
I didn't pressure them and mentioned it after 5 months ..to be told "I can't right now"
This person now has plenty of money(I won't go into detail how but she does)
She said she would give me them on her pay day (28th )
Pay day came and went and she didn't give me a penny and said she would have to take it from the kids school uniform money and did I want her to do it.
Whilst the day before uploading pics of new trainers she bought herself and designer glasses.

We bought concert tickets and she put them on her mums credit card £100 in June.
I said great il pay on my pay day.
My pay day came and she asked for the £100
I was fuming and said "just take it out of the £300 you owe me and just give me £200

All hell broke loose calling me a thief and told her mum I was refusing to pay her
Writing all over Facebook how you can't trust anyone blah blah

Aibu ?

Not at all apart from still seeing this user as a friend

Unfortunately you are in the wrong. The debt for the tickets was with her mum. Her debt was to you. It shows what she thinks of you though, she is not a friend.

Don’t lend friends money. The end.

Sorry just re read ( very hot). She used her mum's card. Why didn't you say to her at the time , that's what you will do??

2 lessons learnt.
Never lend money to friends or family
This person isnt a friend

Is this ticket worth £300 to you?

because you are never going to see a penny of the £300 back if you refuse to pay her mum back.

She's a thief. I would not need tickets to go anywhere with her.

I think it’s all a bit unfortunate. Realistically she owes you a large amount of money so shouldn’t be asking you for any. But it’s the fact that her mum paid for them that makes it awkward. If she had paid you’d be well in the right to say ‘take it out of what you owe me,’ but it’s her mum’s money isn’t it?

Although if I’m honest I think £300 is a small price to be rid of a ‘friend’ like her.

You are in the wrong because you said you would pay her back on payday without any intention to, you should have told her to take the £100 out of the money she owes you from the start.

YANBU
I don't think you're going to get your money back though - sorry.
This person sounds dreadful.

Never lend what you wouldn’t be prepared to lose.

I’m surprised you didn’t have this conversation when you bought the tickets. Or asked how she could have afforded them when she owed you £300.

Having said that, she IS a CF no less

You lent her money.

You owe her mum money.

Sorry. But two different people. You owe her mum the money.

The minute she refused to pay you was the minute you should have completed disengaged from any other financial transactions with her. Think you can kiss goodbye to the money now.

Pay the mum the £100 to the mum. Personally in her hand not via the friend.

Then reply to all and any social media posts factually stating about the £300.

Go to the concert with someone else.

Never see this 'friend' again.

Never lend anyone money again. Either give it to them or say no.

You both sound like a pair of children.

It's the fact it was meant to be a month
Then it was 3 months
Then pay day
Then pay day comes and she says she can't afford it but buying trainers etc etc
I can't even be certain if it was her mums credit card (that's just what she told me )
It could of been hers
I don't have a clue
It's just not fair I'm giving her £100 when she owes me £300

You leant money to a friend. You didn't borrow it to her.

Pay the mum her £100, give the ex friend a date to pay you back in full and if she doesn't, take her to Small Claims Court.

So pay her mum directly.

I wouldn't give it her. Unless you dealt with her mum directly it's her problem.

Grinning at PP correcting borrow to leant.

Reply to all the social media posts - “I will happily pay your mum the £100 I owe her - but it is going to be very difficult for me, until YOU pay me back the £300 I lent you!”

It's just not fair I'm giving her £100 when she owes me £300

But officially you’re not really giving her the money, it’s already gone to the concert venue. Do you’re no worse off that had you bought the ticket yourself.

I don’t think I’d want to go to a concert with this woman tbh

Reply to the post saying exactly what you've said here. She owes you money so you thought it made sense to deduct it from that, but if she can't/won't pay her mum with the money she owes you, you'll make sure mum is paid.

Then deal directly with mum and pay your debt. Tell mum how the situation arose.

Then write off your £300, cut your losses and have no more to do with "friend".

Auto frigging correct got me. I have an English degree, I do know it should be lent! 🤔🤣

Are you sure it was her moms credit card she used and she didn't just say that so you would pay the £100 back to her?