Oh gosh, I feel so silly that I didn't explain it properly... Of Course , I can see where people may have got the wrong end of the stick... Let me explain...
So. I have a debt owing to me (because of an investment I made , in my dear old friend's property business out of the goodness of my heart to help him like because I am a lovely person). Then when I ask for the money back (years later!) and it's not available, - his bad , but I can forgive him- , rather than taking legal steps to get my debtor to pay me or seeking a county court judgement, I agree to accept a Loan from him rather than the cash I am rightfully owed. ( Actually it's rather a nice thing that my dear friend did there, don't you agree? )
Anyway, as it's a loan it's only obvious that it would come with interest, but thats only a small thing in the Ts&C's , not actually Real .. So therefore in the interests of friendly business, I agree that not only is the interest on that loan is 18% but it also comes with a charge on my home. But (duh! I do hope you are keeping up here .) Obviously I won't lose my home because actually He owes Me ( and any fule can see that ...chizz chizz... just thought I'd put a little literary reference in there being a Writer of some repute)
It all makes perfect sense, see? . I gave him my money, he cannot repay, so I agree to 'borrow' the money back that he can't pay me and pay him interest.. But I'd course it actually doesn't mean that I now have lost my original money and now am in debt to him , rather than him being in debt to me as he was before.
It's Obvious! Trust me , I am the experienced financial bookkeeper - Not you . I should know how debit and credit works. And all you people being mean to me just cannot see that .
AIBMS ? ( Am I being Monumentally Stupid? ) Of course not !
Can I pull the ( Lleyn sheep) wool over your eyes?
(Oh and btw .. if I did it was a mistake with the Hemmings, but I didn't .. they just can't run their business properly ..)
Explanation over. Now stop.being so mean, I am very upset.