Two years ago I gave my friend a loan of £4k as she was in a precarious financial situation having not been able to break her lease when her MSc came to an end as she had anticipated (she was screwed over by landlord so I was very sympathetic as I experienced similar).
In contrast, I was living at home (moved back in during Covid) and was able to save so more than happy to help. My dad basically convinced me to give up a few years of my life in order to get on the property ladder in London.
My friend has known my plan has always been to buy a house and use rent from housemates to cover the rent (wish I had never shared my bloody life plan with her now). My friend also knows roughly what the mortgage will be -- foolishly shared Rightmove link with her.
I've lost a lot of respect for her as she has far exceeded the date we agreed that she would pay me back by. Anyway, I'm really shocked that she has essentially said she will only be able to afford to pay be back if she moves into my new house (rent is far below market rate).
There's no way I want to live with her due to the way she has conducted herself but I really feel like she is blackmailing me. She has slagged me off to anyone who will listen and shared my every detail of finances - savings, salary etc. to mutual friends.
I drafted a contract (independent witness also signed) but I'm worried it's meaningless. I cannot afford to walk away from the money as I need to set up home with it.