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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To feel like an idiot (friend borrowing money)

118 replies

Sparklfairy · 16/02/2023 09:43

There's a bit of backstory to this first but I'll try and keep it short.

I have a close friend who is terrible with money. He was/is addicted to weed and that came first. A few years ago I lent him a fair amount - to me - of money, but it was small amounts over time that built up and he kept promising to pay back the following week, then went silent come payday. Then he'd come back with an excuse as to why he was short again and ask for another £20/£30 and he'd promise to pay the lot back next payday. You can see where this is going, and he didn't.

At the time I was in a bad place with my MH, needed the friend, and hadn't realised just how much I had lent him.

Anyway we had a huge row and didn't speak for about a year, when he randomly got in touch, apologised and did in fact pay it all back and we became friends again about 18 months ago.

He hasn't asked for money again, until now. He's given up weed in the last few weeks, but mentioned he was tight for money because he bought his usual amount, smoked it all and then quit before payday.

The other day he texted and asked if I could spot him £20 until Wednesday - yesterday. It put me in an awkward position knowing what he did before, and my finances are tighter these days. But I messaged back saying I could, but I definitely needed it back Wednesday because of XYZ. He said absolutely, and promised it wouldn't be like before.

You guessed it, he hasn't paid.

I'm so annoyed with myself. I know it's only been a day and maybe he'll get in touch today and pay it, and although I won't starve losing £20 it's the broken promise that's upset me. I don't want to chase him, purely so I can see exactly what he thinks of our friendship. I'm half expecting responses here of 'just ask for it back' but honestly I think I need to see how this plays out and not prompt him. AIBU?

OP posts:
Sparklfairy · 22/02/2023 15:55

Ladyofthesea · 22/02/2023 15:51

He only sent it because you have to help him with his thing (work, event, whatever outing thing it is).

You know that, right?

I don't 'have' to. But yes, it was the leverage I needed to get the money back, without even having to mention it.

I probably will still help him, because I'm not unkind by nature. But it'll be at a time that suits me, and end when it suits me. Not him rocking up late/not at all and commandeering what should be work time. I've been far too lenient with him so I'll be setting the terms if he wants my help. But that's a discussion for another day, I'm too annoyed to deal with him now.

OP posts:
LookItsMeAgain · 22/02/2023 16:00

Time to say "Thanks for returning my money to me. Enjoy your workout in the gym. All the best Sparklfairy"
And BLOCK his account, his number, him.

You don't need someone in your life that takes this much work. You really don't. Block.

Block.

Block.

TaunterOfWomenInGeneralSaysSayonarastu · 22/02/2023 16:03

Sparklfairy · 22/02/2023 15:47

The money has appeared in my account <faints>

FGS do NOT take this as a green light to keep giving him your time.
He has no respect for you being WFH freelance, & the fact that you "don''t mind" helping hi is immaterial - he is as cavalier about your time as he is about your money.

You were bang on the nose about this ridiculous contortions he went through about repaying this last £20 are about control. He also wants to control you by imposing on your time. He seems to think you are nothing more than a resource to him, & all he has to do is act pathetic of wounded & you will gallop to his rescue.

. It's cleat that he's just a user - he never stood by any promises to "make it up to you" or "take you to dinner". If you start giving him your professional time for nothing, he will start taking the piss again. It might not be immediately financial - but he IS costing you. You have given up whole mornings for him, which you then have to recoup at weekends. When did HE ever give you time, or money, or excellent professional advice? Stop! Getting this leech off your back will set you free.

LookItsMeAgain · 22/02/2023 16:03

By probably helping him, you're leaving yourself open to more of the same.

Seriously time to drop the rope.

CleaningOutMyCloset · 22/02/2023 17:19

If you're insistent you'll help, tell him that he can't take you out for that meal he owes you, and you'll discuss the work then

Puzzledandpissedoff · 22/02/2023 17:21

By probably helping him, you're leaving yourself open to more of the same

Exactly this

I'm out ...

SeulementUneFois · 22/02/2023 18:21

OP

He's a user. Block him.

DuckbilledSplatterPuff · 23/02/2023 18:49

Personally I thought the way he contacted you was to say more or less.

I want to talk to you.

Here's your money if that's what you are bothered about

Now you have no excuse not to talk to me.

The "cage" thing making it slip his mind excuse is hilarious.

The language is quite insistent. Its like he's making an appointment so you have to be free to pick up and speak and then he will generously discuss the issues you have raised. Its very business like for someone who should be apologising sincerely.

You do realise that he will guilt trip you until he gets the project help he needs.
Since he doesn't respect your time and speaks to you in a businesslike way and has already wasted hours of your time by arriving late or not turning up at all. You should charge him by the hour now for you help and hand him an invoice, if you are sure you want to carry on with this. He is not a friend.
But he is totally taking advantage and will do again. I predict if you take this phone call - all you will get is pushback.

Sparklfairy · 10/03/2023 09:18

I have a (rather amusing) update if anyone wants a wry smile on a Friday.

Last week he had a minor-ish head injury at the gym. Sent me (and everyone else) a pic of his black eye to get sympathy.

He then told me he had spent the whole night throwing up (including in his car) and thought he might have concussion.

I had a bad head injury a few years back and had complications (post concussion syndrome) and advised him to get seen because of the vomiting.

He backtracked hugely and said he didn't have time/didn't want to, and I left it at that.

A whole week later he says to me, 'I'm thinking about getting a scan.'

He freely admits he has no symptoms, the swelling has gone down, he feels better, but for some reason he suddenly 'just wanted to be sure'.

Then the clanger. 'The thing is, I don't have any money for petrol so I wonder if 111 will arrange transport for me there and back'.

I laughed. Hard. It was so obviously a ploy to get me and/or someone else to transfer him some money. If he got three people to transfer him a tenner that's 30 quid in his pocket. I told him it wasn't an emergency and in any case at A&E in our area you'd be looking at a 8-12hr wait. I did suggest he walk the 15mins to minor injuries but he said no, because it was raining and he hadn't been up long.

Miraculously, he did end up going, but drove! Saying he had 7 miles left in his tank so still couldn't go to the hospital further away 'if it's bad'.

Then I get a text saying, 'Nurse says I need an X-Ray, most likely a skull fracture Sad)

We have a banterish/straight talking but with kindness type friendship, so I said, 'Don't be dramatic, tell me what she really said. Because I know at most she said, it COULD be a skull fracture and you COULD get an X-Ray to be on the safe side. I hope she also told you it was a 12hr wait and not an emergency. You don't have any symptoms and are better than a week ago so how could she say it's 'most likely' a skull fracture? She has no evidence of that.'

He hinted ALL DAY about not having money for petrol. I just said it was a sad state of affairs that a man of nearly 40 can't scrape the money together to drive 10 miles to hospital when an apparent emergency comes up, having contingencies in place is all part of being an adult.

He took it in good humour but stopped replying shortly afterwards.

As I've written this, I wonder whether he even went to minor injuries and was just making up the fracture part to push me into saying OMG YOU NEED TO GET SEEN I'LL TRANSFER YOU A TENNER NOW.

Incidentally, I still have my 'skull fracture' and the small dent in my head to prove it. And I told him so, so he didn't get the expected response.

But I'm probably going a bit far with my CF theory with that one...

OP posts:
Brefugee · 10/03/2023 09:20

blimey, that's a corker.
Well done for just being neutral about it though. That's good.

MeridianB · 10/03/2023 09:28

This person will always take ten times more than they give in every respect. And with a huge amount of drama.

Block, block, block, block, block.

WhereIsMumHiding3 · 10/03/2023 09:38

What happened in the end @Sparklfairy ?

I felt exhausted reading how difficult it was to get £20 paid back by this "friend", how annoying his heavy hinting to be "lent" more money "for petrol" that he wouldn't pay back; and his he demands your time and help on projects for his career- which is worth far more than £20.

He has so little respect for you, I'm surprised you don't NC him out of your life. He's so obviously a user who doesn't respect your time or kindness. He's not embarrassed, you're rich pickings still...

Sparklfairy · 10/03/2023 09:52

WhereIsMumHiding3 · 10/03/2023 09:38

What happened in the end @Sparklfairy ?

I felt exhausted reading how difficult it was to get £20 paid back by this "friend", how annoying his heavy hinting to be "lent" more money "for petrol" that he wouldn't pay back; and his he demands your time and help on projects for his career- which is worth far more than £20.

He has so little respect for you, I'm surprised you don't NC him out of your life. He's so obviously a user who doesn't respect your time or kindness. He's not embarrassed, you're rich pickings still...

I don't know. I'm waiting to see if he does actually go to A&E when he gets his UC next week. My thinking is he won't, there's nothing wrong with him.

I don't want to ditch the friendship completely for my own reasons, but it felt good to not just fall for his tricks and manipulation this time. A few years ago, the more vulnerable me would have given him the money without a second thought, but I really do suspect he used that knock to the head to try and get money from multiple people that don't know each other iyswim.

If he just said 'I'm broke' people might offer him food or a meal at their house. Petrol was the only way to get cash really. I don't drive so I was a good target as I couldn't offer him a lift myself.

OP posts:
zingally · 10/03/2023 10:07

He's taken you for a ride. You know it, and most importantly, HE knows it.

Only you can decide if the lending of money, and the disappointment/annoyance of never getting it back, is "worth the cost of admittance" for the friendship.

Daleksatemyshed · 10/03/2023 10:36

Glad you've woken up to his tricks, but it will take a while for him to really take onboard that you won't give him anymore money. Expect him to ramp up the excuses but I'm not sure how you go better than a skull fracture. Maybe he'll get abducted by aliens 😂

Sparklfairy · 10/03/2023 10:45

Daleksatemyshed · 10/03/2023 10:36

Glad you've woken up to his tricks, but it will take a while for him to really take onboard that you won't give him anymore money. Expect him to ramp up the excuses but I'm not sure how you go better than a skull fracture. Maybe he'll get abducted by aliens 😂

Grin Yeah, he jumped the shark a bit didn't he!?

OP posts:
Puzzledandpissedoff · 10/03/2023 12:41

I wonder whether he even went to minor injuries and was just making up the fracture part to push me into saying OMG YOU NEED TO GET SEEN I'LL TRANSFER YOU A TENNER NOW

I'd have thought that was screamingly obvious, and the inventions of illness all too predictable

Why you'd maintain contact with this waster at all defeats me, but of course it's your chouce to make ...

WhereIsMumHiding3 · 10/03/2023 13:13

I don't want to ditch the friendship completely for my own reasons, but it felt good to not just fall for his tricks and manipulation this time.

Glad you are getting wiser and can see his behaviour more clearly now

It is interesting that you see this as a friendship. I wonder if you could see it as an acquaintanceship. He's not acting in a way most people would define as being a friend. He's not someone you can trust or rely in and he's patently dishonest and manipulative to you.
You appear to be more .. a useful contact and source of money or career support, that he "works" when it suits him.

That few hundred pounds he returns to you recently , is small amount to the free career training and support you are doing. And he's already attempting to eek some of that cash back from you...

I just can't help but think it must be exhausting when he starts up...

Can I ask? Have you had a relationship with him before or a flirtation of some kind?

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