If you want a loan repaying then you can’t decide you’ll only accept cash ?

[Shouldbeeasy]

I was loaned £1000 by a family member. The agreement was to pay it back £250 a month for 4 months. It was transferred to me.

I made the first repayment text to say I’d done it then get a message back that they’ve sent it back and I’m to deliver cash each month to them . They live THREE hours away. This was not agreed and I don’t understand but each time I say no I’m only doing bank transfer they won’t accept it. So now I don’t know what to do and I cant do a 6 hour round trip every month for 4 months !!!

This is interesting. I had a quick google but there’s a lot of information not relevant. I would tell your sister this.

It sounds odd. I would make sure that you get a written receipt when you pay it back.

Send the bank transfer... KEEP RECORD OF IT.

If they send it back that is on them. Legally you repayed and they are being unreasonable. They do not have a leg to stand on in court.

she can decide before hand not apply difficult to meet criteria after the event - thats changing things too much esp with a 6hr round trip required to do that

Records! Jesus, no good deed and all that.

No because she sent it back ?

Oh, of course

Special Delivery would work, but it's expensive. Sending a package up to 100g by Special Delivery Guaranteed by 1pm with the minimum compensation level of £750 will cost you £7.75 if you buy the postage online or £8.35 if you do it at the post office.

It would be cheaper to send money using Western Union or MoneyGram - the latter would charge £2.99 for the monthly £250 payment. Your sister would have to collect it though, I think (never used one of these services myself).

Even Special Delivery would be cheaper than a six hour road trip, though!

DSIS has done you a favour so you want to be respectful of whatever her needs are, but you don't know what they are. You really need to ask her, then find something that works for you both. Clearly driving for six hours once a month is not a reasonable solution because it would be a financial strain.

your allowed to take money from family if your on benefits
as long as she isn’t over the 6 -16k limit it’s perfectly ok to take cash gifts / transfers from families

THey accept bank transfers are they meet you somewhere local to you to collect it. End of.

Have the money sitting in an account for them. Do not be bullied into 'visiting' them in this manner.

Yes that's what I was thinking, particularly if the loan was given by bank transfer so they have evidence of giving the money and OP has no evidence of paying it back.

That's what I would do. Did they give it in cash? I'm assuming not as you said transferred.

Or say you could do it monthly but need to charge going rate per mile.

If your sister is claiming benefits, she may be concerned that due to a new law being passed that the DWP could ask to see 4 months worth of her bank statements at any time going forward. They may see your regular payments into her bank account as being 'income', which could affect her claim.

My best friend is DWP Work Coach, he has been advising me NOT to have any payments from family etc made into my bank account for this very reason.

Transfer over the money. If she transfers it back, that's up to her. She will have no case whatsoever if she tries to take you to court over it, because she didn't accept the money.

(Also send a message as above explaining that you can't travel to pay cash, and keep a record of it).

She has no leg to stand on here.

See if she will accept Amazon or a supermarket voucher

Have you asked her why she wants it in cash?

Can you buy her something she needs instead and get it delivered? Or top up an account eg school dinners or Amazon?

Tell her she can accept a bank transfer or she can take you to court for the money. She will look pretty silly if she does the latter, assuming that you have documentary evidence of your attempts to make the repayment.

This is your advice? Threaten to take the ds who gave you money to court BEFORE you find out what the issue is?

No wonder every fucker in this place is no contact with their family!

Are there any family members close by your sisters? Can you send them the money and have them drop it off to her?

she could have transferred it quickly to another account?

If you don’t transfer it via a traceable method like the bank, she could say you have never paid it back, sounds like she is trying to pull a fast one.

Tell her you can't get to her but she's welcome to come to you, or you will transfer. Put the instalments in a savings account- you can get 4% on easy access - and don't touch it. Sorted if she turns up, and if not you still have the money!

I would be tempted to repay in £1 coins.

That’s your answer