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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

For asking for my money back

61 replies

Moneyowed2021 · 30/11/2022 19:58

I should start with, this is mostly historical. But I’m trying to understand if I’ve done something wrong. Or if I should have done something wrong… (named changed because this is outing!)

so. I’ve been friends with A for almost 20 years. We have a small group of friends and even though we’re in different places in life we’ve always stayed fairly close.

Last year we all went on holiday. B did the maths wrong and at the last minute needed everyone to pay about £200 more per head.

A struggles with money. She rarely has any to spare and I can appreciate that may be difficult. However, for as long as I’ve known her she’s spent her money on things I can’t understand: multiple concert tickets for the same tour, makeup, etc etc.

I don’t struggle as much. I’m in a well paid job and my dad died unexpectedly when I was younger so I have a small inheritance. I appreciate I’m lucky to sometimes have the money I do have and I have a lovely home and life (although I would give most of it up for a second longer with Dad, but that’s a different point…) However, I budget extremely carefully, I rarely buy anything expensive.

I do, however, think that A has an idea I’m rich, because I have historically been happy to buy a round of drinks etc without any complaints or needing to split, etc.

so, back to the holiday. A couldn’t afford the extra amount so I offered to pay so she could still go. This was last year. July I think. I think she paid back a small amount, maybe £50, in September ish.

Since then. I had a baby in March- she briefly said she knew she owed me some money and I said not to worry about it for now. Nothing since.

Last month I messaged what I thought was a very nice message just saying “sorry, I know it’s a bit awkward, but you still owe me X. Can you figure out if you can pay me back before the end of the year? Let me know if it’s an issue.” Or something along those lines. She didn’t reply, but did transfer the money. So I said thank you. I was quite stunned to not have any message saying “sorry it’s taken so long” or any acknowledgement at all. It all felt quite passive aggressive.

Meanwhile, we’re planning a friend’s birthday party next year- it’s a big one. I’ve paid for the accommodation upfront, as well as for a meal. A has agreed to the price per head at all times. When I paid for the meal last month, a friend asked when I wanted everyone to start paying their shares. I’d paid most of it in August.

I figured out 50% per head and asked if everyone could maybe pay that chunk before Christmas. A piped up that she thought it was “short sighted” (in November) to ask people to pay anything before Christmas. I should add, we’re talking £60. It felt very pointed and directed at me - we still hadn’t (haven’t) spoken since I said thank you for the money. I left it that those who could pay, can, but if it’s not possible then it’s fine to wait.

I’ve since found out that A messaged B back when I asked her for the money and effectively said how awful I was for asking for money when she didn’t have any. Bearing in mind she’d just bought some very expensive earrings which cost over £400.

I’m just so upset that she seems to somehow think I’m the bad guy for asking for my money back. She seems to be going to other friends and trying to get them “on side” and they don’t seem to be biting but equally aren’t standing up for me either.

It seems to be absolutely immaterial to her that I have a young baby, on SMP, and that I also have to pay for Christmas too. And now I have to see her at the party which she still owes me for…!

it sounds dramatic but I’m really quite devastated that a friend would treat me this way.

So, mumsnet, was I unreasonable? Or have I missed something where i may have been unreasonable? Or is she just a CF who hoped I wouldn’t remember what she owes me?

OP posts:
poefaced · 01/12/2022 10:01

They should pay unprompted buy many don’t.

Ideally you should get everyone’s money before booking.

But if you want to pay first, then give everyone a deadline, a firm date.

Otherwise people like A will take the piss.

she said “thanks for being understanding. I promise it’ll be sorted when this money comes in.”

She was really expecting you to write it off. Very unfair to you.

SleepingStandingUp · 01/12/2022 10:02

Moneyowed2021 · 30/11/2022 20:11

@mangomary but that’s how we’ve always done it? One person pays and the rest pays back. It’s never an issue with anyone else and we’ve always agreed the costs at the time. But yes, maybe we need to be a bit more immediate about it, like paying within a week. It’s just never been an issue and it makes it more straightforward for everyone else to budget.

Tbh this is how we do it. Shove it on someone's credit card, everyone pays before the bill is due. If someone's really struggling work something out in private.

So no, yanbu.

But. .. She clearly can't afford to do all the stuff you're doing. How well off is everyone else? Is it maybe time to lower the costs of what you do? We always agree a PP budget before booking

Rallyaround · 01/12/2022 10:25

YANBU for wanting your money back if it was a loan. I think you probably gave out mixed messages about saying not to worry about it.
BUT, if arranging another event I would be having the plan priced up fully and everyone should either pay before it’s booked or immediately after it’s confirmed. I don’t think there should be a time to pay kind of idea with friends. It gets messy as you have found out.

Sickofcoughing · 01/12/2022 10:25

OP I'm exactly like you and have started a thread about a very similar friend of mine.

It's quite clear what you meant by the don't worry about it for now.

A very kind friend lent me a large sum a few months ago. She wouldn't take no for an answer, said it was in savings and I could pay it back in a few years. I raise it regularly to express my appreciation and assure her that if she needs it soon to let me know. She has promised she will.

The problem with these threads is when people start saying "you should manage your finances X way as that's how we do it". Your group does it another way and that works for the majority. The problem is this CF is taking advantage.

How long are you friends? My CF was my bestie from teens, now firmly relegated to acquaintance after decades of being a user. That 'but you have money, I don't' mentality is deeply engrained.

I think you should stand up to her, not about the money specifically but about her behaviour.

"I need to talk to you CF about a few things. I'm very hurt that you've been badmouthing me for asking for a debt back long after you agreed to pay it. I paid that so you wouldn't miss out on the holiday. You didn't even say thank you or sorry for the delay. Then I hear YOU are acting like the aggrieved party. I've paid upfront now for this other event and again you're implying I'm being greedy asking people to start making repayments. I don't understand your pov on this at all. "

And let her stand over her actions. Because let's face it there's no justification for her attitude of - your generosity isn't generous enough for my liking.

LAMPS1 · 01/12/2022 10:42

When she came to you to confide that yes she remembered she owed you money and she was upset to have been unable to pay it back yet but she would pay it back with her big bonus coming soon, you should then have said, in a kind way
“Yes, thanks that would do be really good as I absolutely do need that money back in my account so it will be good for both of us that you can sort it out asap and we can both stop worrying about it”
Instead, you casually told her not to worry about it. So she took you at your word and stopped worrying about it.
Hence you are in this position.
It’s kinder to spell it out clearly OP so that she can’t take advantage. You haven’t done her any favours by being so cavalier about it for so long.
Put it down to experience and give her a call and sort it out properly between the two of you.

Sickofcoughing · 01/12/2022 10:47

She told her not to worry about it, she didn't say don't pay it. The friend wasn't trying to pay her earlier this year she was saying she felt bad about not paying. OP said don't feel bad, I am not annoyed.

The friend is manipulating the situation and is completely entitled.

I have a remarkably similar person in my life. They see money as something other people have lots of and should therefore supply. They don't see that they should ever be the person to give.

Moneyowed2021 · 01/12/2022 11:21

Thank you @LAMPS1 you’ve explained well. I appreciate it.

on a different note, and I don’t know if I’m allowed to say this, but I’m very bemused to see I’ve appeared on another page’s trolls list? Why would anyone make this up? It’s not even that interesting…!

OP posts:
rhowton · 01/12/2022 11:21

Whenever I book anything, I ask people to set up a payment plan.

For hen parties etc, I organise as far in advance as possible, and get people to set up a standing order. If it is £200 and its a year away, it will be £33 a month for the next 6 months, and everyone is paid up well in advance and £33 a month is a lot less than £200 up front.

I also give people a December break if it falls over that.

I've been a MOH 6 times, so im a hen party pro now.

Puzzledandpissedoff · 01/12/2022 11:42

that’s how we’ve always done it? One person pays and the rest pays back

I'm glad this has mostly worked for you so far, but personally I'd always want the money before booking whatever it is - otherwise there's too much risk of the kind of rancour you're having

Gillyx · 01/12/2022 12:20

I think part of the issue is you seem very relaxed about booking everything, and not saying you need x amount by z date. It’s much harder to chase money after, and if anyone has a problem with paying when you’re booking, they need to think about whether they can afford to come. It’s not for you to pay for everyone and you’ll end up putting a strain on your relationships if you feel you’ve been treated unfairly.

also, if you say don’t worry about it (or something to that effect) if someone has multiple things to pay for, you might be going to the bottom of the queue. So if they say ‘I’m really sorry I haven’t paid yet I’ll get it over to you’ say ‘that would be great thanks’ and leave it at that.

TheMatriarchy · 01/12/2022 14:13

She is an entitled CF. I would explain to the group as I am on SMP I simply cannot afford to front the cost for everyone, so unless you pay upfront I will amend the numbers. And don't ever get involved with her financially again. The path to hell is paved with good intentions.

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