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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to just block... or mention the unpaid debt first?

114 replies

neoneo · 30/04/2026 11:02

I'll try to keep this concise but there's some context needed.

I have a distant relative on my father's side. We're not close, but her grandmother is the sweetest lady, so I try and keep on good terms with her extended family.

The relative and I connected on WhatsApp in the way you are with distant family... existing in the background, occasional happy birthdays... that sort of thing. Also, the relative is younger (more tech savvy whereas the grandmother is in her late 80s!)

Last year we visited her/her family. We gave her a small gift of around £50 during the visit, as you do. Looking back, I wonder if that visit was more of an assessment than a reunion.

Shortly after this - the messages started. Rapid fire.

'I need your help.' 'Some money.' 'You help me?' 'Pls reply.' 'Emergency problem.'

No amount. No reason. Just pressure.

I sent approximately £900. She promised faithfully to repay it last October. I gave her the money in July. October came and went. Nothing. No mention of it at all. (In truth, I'd written it off in my head at the time of sending it - so I wasn't waiting on it - and just moved on with my life).

Yesterday she was back. Same opening.

'Hii!' 'I need your help.' 'Some money.' "Pls last time help me 🙏🙏."

Again no amount, no explanation, no acknowledgement of the money she never repaid.

My uncle (who lives near me in London) - a pensioner in his late 60s has been going through exactly the same thing. She'd sent him a barrage of messages asking for large sums of money, then panicked and deleted them all thinking he hadn't seen them (he had - just on his home screen). She then pivoted to asking if there was 'a job in London for my husband.'

My uncle replied politely that the UK job market was difficult. That one reply was enough though... she immediately went back to asking for money. She also asked him not to tell other family members she'd asked.

My uncle and I have been comparing notes. It's been quite revealing.

A few details that stick with me:

  • They recently sold their home
  • Her WhatsApp photo shows her husband with a brand new car and both of them with Apple Watches
  • When my uncle firmly said no, she said 'Ok, I'll ask someone else' within minutes. Not the response of someone in genuine crisis.

I've ignored her messages so far.

But I'm torn between:

Option A: Just blocking her silently. Clean, drama-free, no response ever.

Option B: (His advice). Sending one honest message first - something like: 'I gave you £900 less than a year ago which you promised to return in October and never did. I won't be helping again.'

I don't want to be cruel. But I also don't want to be taken advantage of. Her grandmother is the sweetest lady though - and this relative does help the grandmother from time to time - who I really love.

OP posts:
neoneo · 30/04/2026 11:04

Forgot to add...before anyone mentions it, no it's not a spoof/deepfake/cloned number/AI. It is actually her who is asking!

OP posts:
Ohnoyoudont2 · 30/04/2026 11:04

I'd tell the whole family what she's doing, she'll be grifting from them too. And I'd block her without another single word to her.

3flyingducksarrive · 30/04/2026 11:05

I'd ask for the money and after that block her. It's fairly unlikely she's going to upset her grandmother by telling her that you have blocked her.

coolwind · 30/04/2026 11:06

Or option C: "please pay back the money you owe me, then we can discuss future possible loans. I can't talk about more loans until the current debt has been cleared"

Davros · 30/04/2026 11:07

Option B

rainbowstardrops · 30/04/2026 11:11

CFer!
I’d probably go for option B so that she knows you’re not going to be a walkover anymore and I’d also tell the rest of the family so that she doesn’t hound them too (if she’s not already).

Ncisdouble · 30/04/2026 11:12

You make sure to tell the rest of the family.

ThejoyofNC · 30/04/2026 11:14

B and warn everyone.

LoveWine123 · 30/04/2026 11:15

Have you asked her for your money back before or just let it slide? No wonder she thinks you’re a mug. Ask for your money!

BananagramBadger · 30/04/2026 11:15

When she ‘helps out’ the grandmother does she have access to her bank account? Worrying if so.

Tessasanderson · 30/04/2026 11:18

You have a duty to let the rest of the family know. Chances are its more than you and the uncle getting sob stories. These people play on whispers and secrets.

Message her that you want your money back now or you are reporting this as fraud to the police (Based on similar requests to the uncle). Even if you dont plan to carry it through this may be enough for her to repay you.

Speak to the uncle and make it clear you are letting the whole family know as its now a bigger thing than her just owing you. Then let the family know that she asked and took money off you. Asked the same of your uncle and you just want everyone to be aware that they may be getting scammed by a relative. Dont go into much detail but just say what they do and dont give to this relative from then on is none of your business.

This relative has used and abused you financially. You owe her nothing.

Pemba · 30/04/2026 11:19

She's from a poorer country than the UK, I assume and English is not her first language?

She is probably assuming that you are well off maybe just because you live in the UK. But I really don't like the way she asks, it's really rude!

She hasn't even told you what the money is for, hasn't mentioned the last lot of money she has from you. Besides, it seems (from the photos) that she and her husband are doing OK.

She just sees you as a cash cow, and hasn't even got the sense to be nice about it. I think you should say no, otherwise she will keep asking forever. Cheeky woman!

tilyougetenough · 30/04/2026 11:21

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

neoneo · 30/04/2026 11:21

BananagramBadger · 30/04/2026 11:15

When she ‘helps out’ the grandmother does she have access to her bank account? Worrying if so.

No, she doesn't thankfully. (Yes, we checked/thought of this).

Also, since she is younger - and the grandmother isn't the most tech savvy - we often hear of any news/try and keep in touch via this girl in question (who IS more tech savvy). We have since started checking on the grandmother via the neighbours instead, hence why I'm contemplating blocking.

OP posts:
mumofoneAloneandwell · 30/04/2026 11:22

This sounds like the family arent in britain? Are they in a poorer country, where the custom is that relatives in the west help those 'back home?'

Anyway, shes taking the piss out of you and i'd tell her to get to fuck! I wouldnt be nice about it, i'd tell her that you will tell everyone about her ways and that she will never hear from you again.

Gonnagetgoingreturnsagain · 30/04/2026 11:30

Why are you giving an amount of £50 as you do?

Why send £900 to someone who’s a distant relative? Even if they promise to pay it back?

This does sound like someone not originally from UK with the sending money and expectation to help. Reminds me of a close Nigerian friend living in London who often asked me for £250 loans, paid back, when she got short of money. She sent money home too. She targeted me as she knew I had money to lend her.

Gonnagetgoingreturnsagain · 30/04/2026 11:31

I’d do option B btw.

PermanentlyExhaustedPigeonZZZ · 30/04/2026 11:34

Definitely remind her of her debt.

BarbiesDreamHome · 30/04/2026 11:36

If you aren't interested in pursuing the £900 or having a conversation around that then its pointless bringing stress to your door.

So block.

mondaytosunday · 30/04/2026 11:37

B and never ‘lend’ her any more money!

neoneo · 30/04/2026 11:39

Gonnagetgoingreturnsagain · 30/04/2026 11:30

Why are you giving an amount of £50 as you do?

Why send £900 to someone who’s a distant relative? Even if they promise to pay it back?

This does sound like someone not originally from UK with the sending money and expectation to help. Reminds me of a close Nigerian friend living in London who often asked me for £250 loans, paid back, when she got short of money. She sent money home too. She targeted me as she knew I had money to lend her.

To clarify, we gave money when we last saw them in person (last year). Money is easier to give since they live aboard - and us taking gifts for relatives would be a nightmare to pack/travel with.

The £900 was deemed as some 'emergency' by her. I gave it to her in good faith as she has/had been good to the grandmother (who we were there to see a year ago). As per my OP - she promised to pay it back by last October. She didn't. My Uncle told me if we were to give it to her, we would have to tell ourselves it was a gift rather than a loan. We never said to HER it was a gift. Still, she never mentioned it again.

The issue is more the NEW money request - and if this is worth blocking over - or mentioning that she'd already been given money before - and that occasion was a one-off.

Much like your friend you mentioned, it seems to be a similar case. I'm not going to give her anymore money though - just torn on what to say/do.

OP posts:
Poulaphooka · 30/04/2026 11:44

I’d tell I was starting legal proceedings to recover the £900 loan, and that I would be flagging up her grifting to the family at large.

Delphiniumandlupins · 30/04/2026 11:46

I would block her but tell her why. I would also warn any other relatives you think she might target.

Raven08 · 30/04/2026 11:47

If you've written off the £900 then option A.
You know you are never getting the cash back so 🤷‍♀️

Lazydomestic · 30/04/2026 11:55

Option B - but would also add we don’t have the money to spare

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