Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Not to loan my friend 2k

447 replies

HelpAGirlOut1234 · 10/05/2024 12:54

I need help. Feel like I’ve been put in a really awkward situation and o don’t know what to do.

I have a best friend, Jane. We have been best friends for 12 or so years and have been there for each other through thick and thin. For context she is living by herself with no children but has a BF of nearly 5 years, I am a single Mum to 1 teenager.

Jane started a WFH job about 1.5years ago and has had nothing but trouble with it. The job is great imo, comes with a good salary and amazing benefits and they have been unbelievably good to her. I also have a good job, making more than Jane by maybe 15k but don’t have the same additional benefits.

Her mental health has deteriorated during the course of this role and I personally don’t think that WFH full time suits her. She started asking me for money about a year ago, there was a period where it was between 200 and 500 every month for about 5 months. She always paid it back the following month but I just didn’t understand where her money was going. Except going on holidays, dinners out etc with a well paid BF who I think she’s trying to keep up with.

She eventually came clean with me last year that she wasn’t logging in for work on a regular basis. There is flexitime, unpaid leave and last minute holidays available in her role so she was just calling in last minute, sometimes for up to a week and just staying in bed from what I can tell so she needed the money to make up with loss in salary every month. I eventually told her one month that I couldn’t help, that things were tight for me and the requests stopped.

She has sought some help with her MH, has been taking various antidepressants. I’ve been there for her without question to help with all of this. One thing I have encouraged her to do is to speak to her BF as she hasn’t told him about any of this. He would text her or call to the house asking how her day was and she would respond as though she has been working all day. I really don’t agree with this, I think it’s not fair on him to keep this from him but it’s not my place to make a deal out of this. All I know is that if a partner of mine was lying to me like this, I wouldn’t want to be with them. But again, not my place.

I’m just back from holidays with my son, a holiday I saved for all year. The day before I left she sent me a long text essentially asking for a loan of 2k which she will pay back in instalments. Apparently her work has been topping up her wages when she has again not been logging in and now their policy has changed and she need to pay this back so will lose 2 months wages.

She said she went to the bank for a loan but that they refused saying she would need 6 months of full payslips. She said she can’t ask her partner as he’s currently building a house and his outgoings are monitored for mortgage.

I have serious issues with all of this:

◦	Why was I fronting her money last year if her wages were being topped up? How was she broke then? 
◦	How can a company just change their policy so quickly and stop all of her wages for 2 months. 
◦	Surely if they were topping up her wages, then she HAS 6 months of full payslips?
◦	I seriously doubt her BF bank is monitoring his outgoings that much when the mortgage has already been approved. He also earns a 6 figure salary. I believe she just doesn’t want to come clean to him. 
◦	I’m a single mother and have been for over 10 years. I have raised a child on far less than she’s being paid without maintenance payments. Where is her money going? 
◦	To ask me the day before my holiday for this loan and then to follow up with me when I was on holiday this week I felt was a shitty thing to do.
◦	She has had disciplinary action taken at work due to her absences and I’m not 100% sure how secure her job, or ability to pay me back is. 
◦	She had a payout of 70k about 4 years ago from an accident. She was very generous and spent about 1k taking me on a holiday with another friend, but I recently found out that all of that money is now gone, with nothing to show for it. 

I love this woman so much, I really do. And technically I have the money that I could give to her but none of this is sitting right with me and I hate the position that I’m now in. I feel if I say yes, I’m just bailing her out and there’s a chance she may not be able to pay me back. If I say no, I feel it could damage a friendship that I really really value so much.

How do I handle this? Am I being a bitch, should I just give her the money?

OP posts:
strangewomenlyinginponds · 11/05/2024 09:14

Look, even if she wasn't behaving strangely - and she is - even if she hadn't been luring you in step by step to get used to loaning her money - and she has - and even if she hadn't overstepped the mark by a long margin - and she has - the rule I always go by is NEVER loan money to anyone at all unless you can afford not to get it back.

Because often, you won't.

Can you afford not to get it back? If not, then don't loan the money just on that basis.

BusyMum47 · 11/05/2024 09:17

No!!! Just say No!!! For ALL of the very good reasons you outlined in your post.

You've been an incredible friend & she's been taking the absolute piss!

If it damages the relationship, then so be it - at the moment, it's not a relationship anyway - you are her free therapist & interest-free bank!

Focus on you & your son.

Riverlee · 11/05/2024 09:17

Sorry, but I don’t get this ‘paying back unpaid’ leave’ business. The clues in the name ‘unpaid ‘ leave.

The only reason you would ‘pay’ back holiday is if your leaving, and you’ve taken ten months worth of holiday, but only worked six months of that calendar year. Therefore, you’ve taken more holiday then you’re entitled to for that year.

Tamigotxh · 11/05/2024 09:31

I don’t know if I’m missing something but a lot of posters are mentioning paying back unpaid leave.

I don’t believe that’s what the OP is reporting her friend said. I could be wrong but from my understanding when OP said “and that it's just all the unpaid leave backed up. I really want to believe it” she means that the friend is saying because she took that much unpaid leave there are now gaps in her income, as opposed to her having to “pay back” her employer?

can you clarify this @HelpAGirlOut1234

edited to add -
There is sick pay that has run out. I'm not 100% on the ins and outs of it but they've said they're not paying anymore sick pay for the rest of the year. And now this policy change means that she has to pay back whatever top ups she's been getting for unpaid leave? I'm so confused by it, none of it makes sense to me.

I stand corrected. I missed this the first time I read through your posts. So she does allegedly have to pay money back 🤔 it’s all very odd but as pp have said the reasons are not what you should get too bogged down with. Just keep making it clear you can’t sub her and gently suggest she speak to her boyfriend. It’s still a cheek she can ask you but not him.

Make it clear she’s straining and disrespecting the friendship if she continues to ask at this point.

ssd · 11/05/2024 09:32

Stop feeling sorry for her and wise up. She's not your friend, she's using you.

CharlotteRumpling · 11/05/2024 09:34

My god, get rid already! It doesn't matter if you are spending your money on a gold plated toilet. It's your hard-earned money and you can do what you want with it. And stop telling her how much you earn. I never tell anyone how much money I have, or what I am spending it on. I just do it.

jannier · 11/05/2024 09:36

You know she's lying just as she lies to her boyfriend she needs help I'd say I'm sorry I'm not prepared to carry on supporting you as your not addressing your mh issues ..
If a company overpaid they wouldn't take it back all at once something else is going on....betting, shopping addiction, the sack?

KarenSmithsWeatherBoobs · 11/05/2024 10:54

If this is her work wanting money returned (and not an excuse) then surely the first thing to do is speak to work to explain it can't be paid back in one go, as that would leave her in severe financial difficulties. And work out a salary sacrifice repayment plan.

OP, encourage her to go through her finances - with you, BF or even someone independent if she's not comfortable with somebody close knowing everything. It's often more manageable than you think whilst sticking your head in the sand. And even if it is dire, just fully understanding her financial situation and having a plan in place will help. The floundering in the dark won't be helping her MH.

pikkumyy77 · 11/05/2024 12:24

Don’t go through her finances! She is not a child. She can get credit counseling, therapy, financial advice from people who are trained to do that work. She knows that perfeywell. She brings you her pruin order to have you solve them with your money.

I think if you think about it, Zop, you will start to recognize the way her relationship with you has, for some time, been built around her illness/need/work failure/money woes. What years ago were ordinary conversations with mutual interest (whether celebration or complaint, have latterly become just excercises in extracting sympathy then money, then sympathy again to forgive the loan.

wibblywobblywoo · 11/05/2024 13:03

HelpAGirlOut1234 · 10/05/2024 18:48

Oh no, I'm so sorry, this is honestly the last thing I can imagine but it obviously is possible. I would be so shocked.

She has text again since to say she promises there is nothing going on, she wouldn't lie to me and that it's just all the unpaid leave backed up. I really want to believe it

Do remember OP that even though you've said your friend "wouldn't know how to put a bet on" these days that really isn't a necessary skill, online gambling is huge, easy and very addictive. If she's been WFH for quite sometime she may well have fallen further and further into something that started off as a bit of fun at lunchtime and now has snowballed into massive debts.

Greengrasswalks · 11/05/2024 14:01

It’s true that an employer would not expect a large amount of money to be paid back all at once. I once had to pay back my employer in instalments that were deducted monthly at source, as I had been overpaid during my maternity leave.

Do not loan her anymore money.
If you feel that conflicted about the 1k she previously gifted to you as a holiday treat five years ago (even though you didn’t ask for it), give her the 1k and then you’re both even Steven’s going forward. And then no more lending money.

There’s no need to tell anyone, except a partner/spouse how much you earn or how much savings you have. And even then, it’s okay to have your own private savings that nobody else knows about, just in case the relationship goes tits up.

A family member (Not close and not in contact much) asked me for 5k once. I said no, telling them I didn’t have that kind of money lying around spare. I queried further out of concern as they have a health issue and I thought they may need the money for a medical procedure. They wanted the money to buy a car. I advised them to ask their partner (and father of their children) for the money. They both had FT jobs and their partner worked in a decent paying profession earning more than me at the time. I then found out that they had also asked another family member for a similar amount of money before asking me.

TinySmol · 11/05/2024 14:08

If you lend her the money, she'll pay you a little bit back in dribs and drabs and then it will stop altogether.
If you lend her the money - prepare not to get it back.

SavageTomato · 11/05/2024 17:06

Just to add that I had a 'friend' who pleaded mental health issues non stop. Funny how she managed to spin that into leaving me out of pocket by about 150 quid and a mutual friend lost 1,500 quid. She's still running around causing absolute chaos.

alrightluv · 11/05/2024 17:14

@wibblywobblywoo that's true. I know people who spend a fortune in online bingo etc

LouDeLou · 11/05/2024 17:49

Assuming she doesn't actually know what you have in the bank (ie in the past you said I've 20k savings) just say I'm so sorry I spent all my money on that holiday!

If she does know, just say I can't I'm looking at getting a mortgage and they are monitoring my outgoings for the mortgage.

I def don't think lend tho!

dcthatsme · 11/05/2024 17:55

What an awful situation OP but you have a teenager you are responsible for. You cannot carry this poor woman who seems to be having a breakdown. You have been lending her money for a long time and she has clearly come to depend on you. I know it's harsh but I think you have to say 'no- I'm so sorry but I have no spare cash and my DC needs any extra I can save'. If you lend this time it's going to keep happening. It sounds like she's relying on you to bolster her up financially so she doesn't have to admit to her boyfriend that she's struggling. That is really sad. Good luck and all the best.

anon666 · 11/05/2024 18:02

No.

Let her employer handle the instalments thing.

rainbowbee · 11/05/2024 18:04

That's very hard. But to keep giving money is enabling her. She needs to come clean with the boyfriend and to contact citizens' advice for debt management. I agree with pp about gifting her 1k, after she did for you with the treat holiday. Then make it clear that that's it over. You are a person (with a child), not a bank.

Buffs · 11/05/2024 18:11

Don’t try and get to the bottom of her financial situation, don’t ask if she hasn’t been straight with you about her finances, don’t judge her for not coming clean with her boyfriend and absolutely do not lend her any more money. You have a child , his future is your financial priority.

Joyjoj · 11/05/2024 18:20

HelpAGirlOut1234 · 10/05/2024 12:54

I need help. Feel like I’ve been put in a really awkward situation and o don’t know what to do.

I have a best friend, Jane. We have been best friends for 12 or so years and have been there for each other through thick and thin. For context she is living by herself with no children but has a BF of nearly 5 years, I am a single Mum to 1 teenager.

Jane started a WFH job about 1.5years ago and has had nothing but trouble with it. The job is great imo, comes with a good salary and amazing benefits and they have been unbelievably good to her. I also have a good job, making more than Jane by maybe 15k but don’t have the same additional benefits.

Her mental health has deteriorated during the course of this role and I personally don’t think that WFH full time suits her. She started asking me for money about a year ago, there was a period where it was between 200 and 500 every month for about 5 months. She always paid it back the following month but I just didn’t understand where her money was going. Except going on holidays, dinners out etc with a well paid BF who I think she’s trying to keep up with.

She eventually came clean with me last year that she wasn’t logging in for work on a regular basis. There is flexitime, unpaid leave and last minute holidays available in her role so she was just calling in last minute, sometimes for up to a week and just staying in bed from what I can tell so she needed the money to make up with loss in salary every month. I eventually told her one month that I couldn’t help, that things were tight for me and the requests stopped.

She has sought some help with her MH, has been taking various antidepressants. I’ve been there for her without question to help with all of this. One thing I have encouraged her to do is to speak to her BF as she hasn’t told him about any of this. He would text her or call to the house asking how her day was and she would respond as though she has been working all day. I really don’t agree with this, I think it’s not fair on him to keep this from him but it’s not my place to make a deal out of this. All I know is that if a partner of mine was lying to me like this, I wouldn’t want to be with them. But again, not my place.

I’m just back from holidays with my son, a holiday I saved for all year. The day before I left she sent me a long text essentially asking for a loan of 2k which she will pay back in instalments. Apparently her work has been topping up her wages when she has again not been logging in and now their policy has changed and she need to pay this back so will lose 2 months wages.

She said she went to the bank for a loan but that they refused saying she would need 6 months of full payslips. She said she can’t ask her partner as he’s currently building a house and his outgoings are monitored for mortgage.

I have serious issues with all of this:

◦	Why was I fronting her money last year if her wages were being topped up? How was she broke then? 
◦	How can a company just change their policy so quickly and stop all of her wages for 2 months. 
◦	Surely if they were topping up her wages, then she HAS 6 months of full payslips?
◦	I seriously doubt her BF bank is monitoring his outgoings that much when the mortgage has already been approved. He also earns a 6 figure salary. I believe she just doesn’t want to come clean to him. 
◦	I’m a single mother and have been for over 10 years. I have raised a child on far less than she’s being paid without maintenance payments. Where is her money going? 
◦	To ask me the day before my holiday for this loan and then to follow up with me when I was on holiday this week I felt was a shitty thing to do.
◦	She has had disciplinary action taken at work due to her absences and I’m not 100% sure how secure her job, or ability to pay me back is. 
◦	She had a payout of 70k about 4 years ago from an accident. She was very generous and spent about 1k taking me on a holiday with another friend, but I recently found out that all of that money is now gone, with nothing to show for it. 

I love this woman so much, I really do. And technically I have the money that I could give to her but none of this is sitting right with me and I hate the position that I’m now in. I feel if I say yes, I’m just bailing her out and there’s a chance she may not be able to pay me back. If I say no, I feel it could damage a friendship that I really really value so much.

How do I handle this? Am I being a bitch, should I just give her the money?

Definitely NO,your friend or not really needs to come clean with her Boyfriend/Partner.You have worked hard to get where you are with responsibilities, she may have personal issues,but I'm a bit old school,you have to take responsibility with how you deal with it without involving someone else. I'm sorry if this doesn't help,but I have been there !,it's hard,but it worked out in a good way,we are still Friends 10 yrs down the line.Shes doing great now.

Thevelvelletes · 11/05/2024 18:29

Her problems are not your problem
Don't lend the money.
I fail to see why you bother with this friendship.
With no money forthcoming,you will hear less from her.

WhatsInANameIWonder · 11/05/2024 19:21

Admittedly, I haven’t read the whole thread so this might have already been discussed.
Sounds like addiction behaviour to me. Addicts lie through their teeth even to those they live - mostly to pay for said addiction - and this shows tell tale signs. If no evidence of drunk/drugs, it could be (online?) gambling. Working from home gives ample opportunity to do that… and would provide some extra excitement to the day if you’re right about full WFH job not suiting her.
NEVER loan money to addicts, even suspected addicts. It’s just being thrown down a rabbit hole…
I’m sorry, and if so, I hope your friend gets professional help to start to solve xx

Owl55 · 11/05/2024 19:24

Does she really have a job? Is she unemployed and lying to you?
maybe offer to help her sort out her budgeting but don’t lend her more money .

PeachyPeachTrees · 11/05/2024 19:34

Friend is lying to her BF about finances and MH struggles. These are two big lies. I think she could be lying to you too. Keep supporting her but stick to not lending her money anymore.

WoBeeWon · 11/05/2024 19:36

I found your OP extremely clear and wise. You really love this person. And you also know what you need to do here. The answer is all there, in your own words.

If it were me, if it were me I would probably write her a handwritten note or card. I would tell her: I love you very much; you’ve meant so much to me all these years. I am very unclear what is really going on with you right now. Recently, it has felt like I’ve been losing the lovely friend I know to something I cannot see and do not understand. I am extremely worried. I am not going to lend you the money. For lots of different reasons, it just wouldn’t feel right. But I am here to listen and to help in any other way I can.