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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

This is off isn't it?

354 replies

coulditbeme2323 · 29/04/2026 15:29

Husband and I loaned another couple a significant amount of money as if we didn't their dream home would have fallen through. All properly drawn up, and to be fair was for a short period of time as in just under 3 months.

All paid back two weeks ago as agreed (no interest by the way as it might matter) and friend text saying we want to take you our to dinner to say thanks.

Didn't expect or want that, but lovely gesture.

Went to a very nice place Saturday and other husband said to my husband I'll get the food and you get the wine/drinks. Now to put into context the wine/drinks were about 35% of the bill so other couple paid 65%.

Now it's not the money, and it was a lovely evening, and I would never mention to my friend, but is that a bit cheeky?

OP posts:
LoyalMember · 29/04/2026 21:45

Lmnop22 · 29/04/2026 20:17

Am I the only one wondering why you give a shit about 35% of a restaurant bill when you have substantially north of 100k spare to loan out??

I would get a grip with how fortunate you are 😳

Yes, I think you are. Does them having money mean the OPs should be made an absolute arse of by cheeky bastards they already went above and beyond to help?

LittleRedRidingBoots · 29/04/2026 21:53

We had a similar situation; my husband did quite a lot of work (he’s a tradesman) for some ‘friends’ of ours and said he didn’t want to take any money for it so the agreement was that they’d take us out for dinner instead as a thank you. When the bill came the agreement was strangely forgotten about and the other couple paid for themselves, leaving us to pay our half. Safe to say we haven’t been out with them since and there will be no more work freebies!!

comeandhaveteawithme · 29/04/2026 22:08

who invited you, the wife or the husband?

My theory is that the wife wanted to take you out and the husband didn't and said they couldn't afford it, which they maybe couldn't, if they just set up a new home.

He didn't want to go back on wife's invite but thought he could save a few bob by getting you to buy the drinks. He was probably hoping you'd offer. When we took PILs out for dinner recently as a thank you, they insisted on getting the drinks.

When you didn't, he suggested it. He may well feel crappy about it.

Presumably they are close, valued friends for you to have lent them all that money in the first place, so I'd just let it go

Frillysweetpea · 29/04/2026 22:12

coulditbeme2323 · 29/04/2026 15:32

To be honest yes.

Well, not an unreasonable expectation considering the loan and subsequent statement they wanted to thank you. Very cheeky of them.

ArtAngel · 29/04/2026 22:26

Lmnop22 · 29/04/2026 20:17

Am I the only one wondering why you give a shit about 35% of a restaurant bill when you have substantially north of 100k spare to loan out??

I would get a grip with how fortunate you are 😳

I am not wondering, no, because it isn’t about the money. The OP clearly doesn’t ‘give a shit’ about laying for the drinks.

She is confused by the way a ‘thank you’ gesture became a split bill.

Papersquidge · 29/04/2026 22:28

Yikes they sound awful. I’d already have a low opinion of asking friends and family to borrow money. Not something I would ever do.

jinglejanglescarecat · 29/04/2026 23:38

Eastie77Returns · 29/04/2026 15:31

I’m confused. Cheeky that they paid 65% of the bill? Were you expecting them to pick up the entire bill?

Yes. They said they wanted to take them out for dinner to say thanks.

very cheeky OP

Ohnoyoudont2 · 29/04/2026 23:53

Yeah, it's a bit cheeky. But honestly, anyone who would dare ask their friends for a large loan of money is already a cheeky fucker, no surprises there then.

I would not be suprised if you had many more such stories of them. And there will definitely be more demands to come. You need to learn to say no to these people because the next time they might not pay you back.

Noshowlomo · 30/04/2026 08:35

If you take someone out as a thank you, you pay for the whole meal.
Your lovely gesture also cost you money in drinks (regardless of having £100k in the bank), they’ve had an interest free loan and an evening of booze from you

coulditbeme2323 · 30/04/2026 09:24

Lmnop22 · 29/04/2026 20:17

Am I the only one wondering why you give a shit about 35% of a restaurant bill when you have substantially north of 100k spare to loan out??

I would get a grip with how fortunate you are 😳

I don't really care, I just wanted to hear what others thought?

It seems the large percentage agree with me.

OP posts:
coulditbeme2323 · 30/04/2026 09:26

Ohnoyoudont2 · 29/04/2026 23:53

Yeah, it's a bit cheeky. But honestly, anyone who would dare ask their friends for a large loan of money is already a cheeky fucker, no surprises there then.

I would not be suprised if you had many more such stories of them. And there will definitely be more demands to come. You need to learn to say no to these people because the next time they might not pay you back.

In their defense, the didn't ask for the loan.

OP posts:
FamBae · 30/04/2026 11:34

Yes very cheeky, if I invite some one to dinner as a thank you I pick up the whole bill. Ordering Champagne knowing your dh was paying, takes it to a new level of cheeky fuckery imo.

MyMilchick · 30/04/2026 11:48

Tinytimmy123 · 29/04/2026 17:18

Relatives of mine were coming to stay fairly local at an airbnb and when I heard, i offered to let them stay at my house. 3 adults. They were only staying one night but 2 full days. I am a terrible cook so said we should go out for a bite to eat. Believe me I was doing them a favour ! 😆

Anyway bill came and they made absolutely no attempt to pay for any food or drinks either mine or theirs. So I paid for all 4 of us. I live alone on one income and have a modest house and car, so no signs of opulence to assume that i could afford a large bill. I wouldnt have expected them to pay for me, I was happy to pay for my own and they theirs. I apparently was saving them a small fortune in the Airbnb to boot. Any who....

Lesson learned. Never again.

Edited

Jeez, I would have had to have said something there. Cheeky fuckers

BauhausOfEliott · 30/04/2026 12:27

Eastie77Returns · 29/04/2026 15:31

I’m confused. Cheeky that they paid 65% of the bill? Were you expecting them to pick up the entire bill?

Yes, because they offered the dinner as a thank you for the substantial loan. If you invite someone out as a thank you, you pay for it. Not split it.

Tinytimmy123 · 30/04/2026 13:16

MyMilchick · 30/04/2026 11:48

Jeez, I would have had to have said something there. Cheeky fuckers

Thank god their 2 sons didnt make the trip too !! 😂

Somersetbaker · 30/04/2026 17:21

I'm not sure I believe this. How did this "loan" get through the money laundering checks, the other couple would have had to show the source of funds, OP would then also have to show the source of funds and prove her ID, if there was a mortgage involved in this, the mortgage company would have wanted there to be a "deed of gift", a short term loan from a friend doesn't cut it.. I went through this when I gifted money to my niece to be her part of her deposit. Conveyancing solicitors me be lethargic, but the compliance officer would have been all over this like a rash. Of course OP could be a Thai business man and the other couple Nigel Fartage and his concubine.

coulditbeme2323 · 30/04/2026 17:22

Somersetbaker · 30/04/2026 17:21

I'm not sure I believe this. How did this "loan" get through the money laundering checks, the other couple would have had to show the source of funds, OP would then also have to show the source of funds and prove her ID, if there was a mortgage involved in this, the mortgage company would have wanted there to be a "deed of gift", a short term loan from a friend doesn't cut it.. I went through this when I gifted money to my niece to be her part of her deposit. Conveyancing solicitors me be lethargic, but the compliance officer would have been all over this like a rash. Of course OP could be a Thai business man and the other couple Nigel Fartage and his concubine.

That's a lot of thought!

OP posts:
NoSoapJustUseShowerGel · 30/04/2026 17:27

coulditbeme2323 · 30/04/2026 17:22

That's a lot of thought!

I think they are some very valid points! Especially if pp has been through the process themselves recently they wouldn’t have had to give it much thought.

coulditbeme2323 · 30/04/2026 17:29

NoSoapJustUseShowerGel · 30/04/2026 17:27

I think they are some very valid points! Especially if pp has been through the process themselves recently they wouldn’t have had to give it much thought.

Of course there were checks, you can't even spend more then 2.5 cash in a jewelers these days!

OP posts:
BooneyBeautiful · 30/04/2026 18:01

Darragon · 29/04/2026 15:33

What??? They paid you back and paid for food. You sound grabby.

But they offered to take them out for dinner by way of a thank you. The whole evening should have been paid for by the other couple.

BooneyBeautiful · 30/04/2026 18:02

coulditbeme2323 · 29/04/2026 15:34

I can see how it sounds that way, and as I said we didn't expect a thankyou.

But it was a significant amount of money we loaned them, but more importantly when somebody says "they want to take you out for dinner to say thank you" I would take that as 100% of the bill.

But happy to be told I am wrong.

You are definitely not wrong.

ShouldIJustKeepQuiet · 30/04/2026 18:06

Why did your husband agree to cover the drinks?

Mackerelfillets · 30/04/2026 18:10

coulditbeme2323 · 29/04/2026 15:34

I can see how it sounds that way, and as I said we didn't expect a thankyou.

But it was a significant amount of money we loaned them, but more importantly when somebody says "they want to take you out for dinner to say thank you" I would take that as 100% of the bill.

But happy to be told I am wrong.

I dont think you are wrong. They offer a meal out to say thank you. I would assume they were paying. You have lost interest on a significant amount of money AND had to pay for the drinks? CF going on there!!

Sometimessmiling · 30/04/2026 18:18

coulditbeme2323 · 29/04/2026 15:34

I can see how it sounds that way, and as I said we didn't expect a thankyou.

But it was a significant amount of money we loaned them, but more importantly when somebody says "they want to take you out for dinner to say thank you" I would take that as 100% of the bill.

But happy to be told I am wrong.

Not to mention an interest free loan. Some friends!

Overthinking22 · 30/04/2026 18:19

This isn’t a thank you, you’ve essentially just all went out for dinner