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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:
lapochette · 10/05/2024 14:30

@HelpAGirlOut1234 do you know if other people are also lending her money? Although she says her BF isn't he could well be giving her money too as could the other friend that she took on holiday. If I were you I would just say no sorry I can't afford to help you out.

BirthdayRainbow · 10/05/2024 14:30

Obviously I was going on your initial effort. The later one is better. But you need to toughen up. Look how it's getting to you.

Foxblue · 10/05/2024 14:31

Great response OP.
Agree with a PP, you sound like a really lovely, caring friend and she's quite clearly taking advantage. If you didn't know where the money was going at ALL that would be one thing, but to know she's going on holiday etc would really hurt. Hope she comes clean and gets herself sorted.

HelpAGirlOut1234 · 10/05/2024 14:31

lapochette · 10/05/2024 14:30

@HelpAGirlOut1234 do you know if other people are also lending her money? Although she says her BF isn't he could well be giving her money too as could the other friend that she took on holiday. If I were you I would just say no sorry I can't afford to help you out.

I don't know for sure that no one else is given her money but I have a strong feeling that there isn't. I don't think she would be open enough to ask anyone else.

But again, I don't know for sure.

OP posts:
TwinklyRoseTurtle · 10/05/2024 14:32

I think your message is really good OP, however leave it at your really important to me, don’t add in anything I can do to help as there will be other things x

HelpAGirlOut1234 · 10/05/2024 14:32

BirthdayRainbow · 10/05/2024 14:30

Obviously I was going on your initial effort. The later one is better. But you need to toughen up. Look how it's getting to you.

I know, I should be doing all my holiday laundry, getting my house in order and rounding up my animals after holidays... not on MN fretting about how to deal with this.

OP posts:
DrJonesIpresume · 10/05/2024 14:33

HelpAGirlOut1234 · 10/05/2024 14:29

I understand what you're saying, but that sort of abruptness is not in my nature and will most definitely tarnish the relationship.

What relationship? She is using you.

Just politely say that you would help if you could but you can't. You have earmarked your savings for your dc.

If she takes offfence at that and it tarnishes the relationship, then it shows that she really isn't a very nice person after all.

Gah81 · 10/05/2024 14:34

I think that second message is much stronger than the first one. It achieves a nice balance between giving her enough detail that you don’t seem abrupt but also doesn’t give her so much granular information that she could then try to bargain/argue back. If I were to suggest any additional changes, it would be to emphasise up front that “I’ve had a look and I’m really sorry but I can’t afford to lend you the money.” You do explicitly mention you can’t afford it in the last sentence but think it’s good to mention early and often.

Otherwise, well done for standing firm. It’s a huge amount of money and she shouldn’t be leaning on you to this extent for financial support.

Cancello · 10/05/2024 14:35

HelpAGirlOut1234 · 10/05/2024 14:27

What do you ladies think of this?

Hey love, hope things are good, we’re just back this morning and the week has been hectic. I’ve had a look and I’m really sorry but I can't lend you the money. Can you meet for a cuppa soon? I'm really worried for you. I don't know why you’ve not been able to face work so much, and whether you have something going on that I don't know about, or why you feel you can't discuss this with BF. I feel there’s more at play here than you’re even telling me but I want you to know that I'm here for you at any time to talk to. I'll help you with taking practical steps - budgeting, talking to BF, seeking any support you need - but firefighting what ever is going on with loans isn't the way forward. You're really important to me and I want to help but I can’t afford to lend this money x

That sounds brilliant. You are obviously a really caring friend and your response reflects that, while making it clear you can't lend her the money. Good luck.. let us know how you get on.

blacksax · 10/05/2024 14:35

HelpAGirlOut1234 · 10/05/2024 14:31

I don't know for sure that no one else is given her money but I have a strong feeling that there isn't. I don't think she would be open enough to ask anyone else.

But again, I don't know for sure.

I wonder why she's coming to you for money and not asking her boyfriend.

Can't help thinking that she's actually been given the sack and daren't admit it to her boyfriend. Either that or he's fed up with giving her money and has put his foot down.

hangingonfordearlife1 · 10/05/2024 14:36

i think she's being economical with the truth regarding her work, her income and the income of her boyfriend.

LIZS · 10/05/2024 14:36

HelpAGirlOut1234 · 10/05/2024 14:27

What do you ladies think of this?

Hey love, hope things are good, we’re just back this morning and the week has been hectic. I’ve had a look and I’m really sorry but I can't lend you the money. Can you meet for a cuppa soon? I'm really worried for you. I don't know why you’ve not been able to face work so much, and whether you have something going on that I don't know about, or why you feel you can't discuss this with BF. I feel there’s more at play here than you’re even telling me but I want you to know that I'm here for you at any time to talk to. I'll help you with taking practical steps - budgeting, talking to BF, seeking any support you need - but firefighting what ever is going on with loans isn't the way forward. You're really important to me and I want to help but I can’t afford to lend this money x

Much better.

WearyAuldWumman · 10/05/2024 14:37

Tamigotxh · 10/05/2024 13:02

Definitely not. There are so many red flags there which you’ve already identified and I don’t know exactly how you should say it to her, but the idea that her long term partner can’t loan her 2K when he’s on 6 figures because of a house project is absurd.

I would suggest that she reconsider asking her boyfriend again, but either way make it clear that you’re not give her the money.

Don’t say you can’t afford it if that’s not true, just say you don’t feel comfortable loaning money to friends, and it jeopardises the friendship which you hold dear. So, you’d rather if she stopped asking you for money from now on.

Edited to add: I like the idea a pp mentioned about giving her £1K as a gift since she did spend that on you when she got her payout, and then making it clear that’s the last loan or money gift she is getting.

Edited

I pretty much did that with a friend who would borrow x, eventually pay it back and then borrow 2x.

discovered she was doing it with other former colleagues - would get a text: “I haven’t got a pot to piss in.”

Yes, she had 3 kids. Married. She was a teacher; husband was a nurse.

The last time she messaged to say “I have your money for you,” after not hearing from her for around 3 yrs, I told her to keep it.

Toooldforthis36 · 10/05/2024 14:41

Honestly I think you are being taken for a mug here. Strong feeling that she’s lost her job and is robbing Peter to pay Paul…

You can say no without it being nasty - as your response shows. If someone cuts ties with you because you won’t give them money (and I say give, you ain’t getting that cash back) then they aren’t the friend you think they are.

Stay firm on this - just because you have cash in the bank doesn’t mean it’s SPARE for feckless pals to ransack.

VeraForever · 10/05/2024 14:44

Your new message is really good.
You've said 'no' and you have been empathetic to her situation.
It's great that you're telling her how much you care for her.

Good luck .

jobessieandme · 10/05/2024 14:45

Lending her any more money would not be a kindness. You would be enabling the continuing downward spiral of her life. By all means give her your time, your love, your support - but don't give her any more money. It will not help her.

loropianalover · 10/05/2024 14:46

You’re obviously a very caring friend OP. I’ve read through your replies and it just sounds like she’s in a rut of taking advantage of the flexibility at work while wanting to keep a good lifestyle. I see where people are coming from with gambling, drinking etc., but this really just sounds like ‘lifestyle’ spending to me. Cost of living is so high right now, if she borrows e.g. 200 quid from OP one month, yes it sounds like a lot but realistically that’s probably just covering one lunch out and one Zara order.

She obviously wants to keep up with her six figure boyfriend and I imagine she is feeling VERY vulnerable now that she will not be imminently moving into his new home. Lending her 2k is only going to delay the issues by 2 or 3 months, it’s not going to solve anything. Besides, it sounds like this 2k is actually for summer spending and holidays. It doesn’t appear she has any intention of straightening herself out at work.

I think your message is firm and fair. She will need to face her finances before her whole life blows up in her face, I hope she sees that she’s better off doing that now with a good friend by her side, rather than push you away and have everything potentially implode.

ReallyUAreAnElegantChap · 10/05/2024 14:52

Just because you have the money doesn't mean you can spare it. Your last message was good - take a deep breath, send the message, then put your phone away for a bit while you do all the post-holiday stuff you mentioned and then deal with any drama later on. You deserve better than to be treated like this

coldcallerbaiter · 10/05/2024 14:52

She can put it on a credit card. Her bills are nothing to do with you. She can work extra if she wants to. Ppl that ask friends and family for money are a certain type of entitled character.

HelpAGirlOut1234 · 10/05/2024 14:54

Okay, I've sent this

Hey love, hope things are good, we’re just back this morning and the hols were hectic, DC has me wrecked! 😅

I’ve had a look and I’m really sorry but I can't afford to lend the money. Can you meet for a cuppa soon? I'm worried for you. I don't know why the work and finance situation has gotten to this stage, and whether you have something going on that I don't know about, I just feel there’s more at play here than you’re even telling me. I’m worried as well about why you feel you can't discuss this with BF, he should really be given the opportunity to support you.

I want you to know that I'm here for you at any time to talk to. I'll help you with taking practical steps - budgeting, talking to BF, seeking any support you need - but firefighting what ever is going on with loans isn't the way forward. You're so incredibly important to me and I do want to help ❤️ x

OP posts:
viques · 10/05/2024 14:56

It won’t be a loan , it will be a gift because you will never see it repaid.

If you are happy to give someone a gift of £2000 then that is fine.

TwinklyRoseTurtle · 10/05/2024 14:57

HelpAGirlOut1234 · 10/05/2024 14:54

Okay, I've sent this

Hey love, hope things are good, we’re just back this morning and the hols were hectic, DC has me wrecked! 😅

I’ve had a look and I’m really sorry but I can't afford to lend the money. Can you meet for a cuppa soon? I'm worried for you. I don't know why the work and finance situation has gotten to this stage, and whether you have something going on that I don't know about, I just feel there’s more at play here than you’re even telling me. I’m worried as well about why you feel you can't discuss this with BF, he should really be given the opportunity to support you.

I want you to know that I'm here for you at any time to talk to. I'll help you with taking practical steps - budgeting, talking to BF, seeking any support you need - but firefighting what ever is going on with loans isn't the way forward. You're so incredibly important to me and I do want to help ❤️ x

I think that’s good OP- supportive but clear, be interesting to see her reply, sounds like she may try to play on your heartstrings- stand firm xx

loropianalover · 10/05/2024 14:58

coldcallerbaiter · 10/05/2024 14:52

She can put it on a credit card. Her bills are nothing to do with you. She can work extra if she wants to. Ppl that ask friends and family for money are a certain type of entitled character.

I agree, it takes such nerve to expect a friend to top up your monthly wage because you simply choose to not log in to work. And she even text OP again asking did she have a chance to ‘check her money situation’, it really is unbelievable. And very telling that she’s not asking for this money from her high earning BF - I suspect she’s either been told no before by him, or she’s simply trying to look financially normal to him because she wants to move into his new build home rent free as soon as she can.

I get where OP is coming from that it’s a long term friendship and a good friend who’s just lost control of things, but as a stranger looking in I can’t help but think the friend should just be left to her own devices to manage her own shit show.

mrscee · 10/05/2024 15:07

Do not under any circumstances lend this woman anymore money.

murasaki · 10/05/2024 15:11

Good message, OP. I hope it's taken in the caring spirit with which it is clearly intended. And don't back down.