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"friend" defaulted on loan and is avoiding me

130 replies

airedailleurs · 04/09/2014 13:10

Would really appreciate some advice here:

  • a few months ago a work colleague was really distressed as bailiffs were outside her house waiting to enter and take her things unless she repaid a debt.
  • I was really concerned for her as she has a young daughter and lent quite a large (4-figure) sum of money, and we both signed a loan agreement printed off from a legal website on internet, whereby she agreed to repay me £200 per month (she suggested the amount) by direct debit.
  • after only 3 months she cancelled the direct debit because £700 of unpaid council tax was deducted from her salary (the council concerned had arranged this with our employer)
  • she then arranged for this unpaid council tax to be repaid £100 each month, and started to pay me back again, this time at £100 per month, which already contravened the terms of our loan agreement but I was ok with this due to the council tax, but thought it odd that she hadn't mentioned this outstanding council tax debt to me.
  • She did not re-establish the direct debit and has paid me a total of £700 since receiving the loan, with me having to request the money from her each month.
  • I resigned from my job in July so we no longer see each other at work, but until this morning we were facebook friends and were in touch this way. I have been trying to contact her to see if she was in a position to make the payment due on 31st August, but she hasn't responded to my messages and has now "unfriended" me on facebook.
  • I can't believe that someone I thought was a friend would behave in this way; I have been nothing but generous and understanding with her. As she is not responding to my attempts to contact her to discuss an amicable way forward, do you think it's unreasonable to take legal action against her?

Would appreciate your views please.

OP posts:
expatinscotland · 19/01/2015 14:29

I really hope you get the attachment.

airedailleurs · 19/01/2015 14:36

thanks! will let you know, hopefully won't take long now!

OP posts:
JoanHickson · 19/01/2015 14:43

Well done. I bet she shit herself ato the thought of the I TV judging her.

airedailleurs · 19/01/2015 19:04

haha yes, they would have paid off her debt though!

OP posts:
airedailleurs · 25/02/2015 21:52

ok folks - latest news is that I have won! I got the attachment, but too late for this month's pay run, so repayments start next month!

I'm delighted and can't quite believe it!

Incidentally, I never had to prove that I'd lent her the money, it was enough to say that we'd signed a loan agreement and that she'd defaulted on it.

OP posts:
UnexpectedItemInShaggingArea · 25/02/2015 21:59

Well done OP, really pleased for you :)

airedailleurs · 26/02/2015 16:22

Thanks!

OP posts:
AFrugalSwain · 26/02/2015 16:46

Oh well done! So pleased for you!

airedailleurs · 26/02/2015 16:54

Gives you faith that there is justice! Ex-friend has been very foolish as the repayments set by the court are higher than what we had arranged, I still can't understand her behaviour tbh

OP posts:
stillwearingaredribbon · 26/02/2015 17:17

Ha ha
Well done op

tribpot · 26/02/2015 17:28

Great news, but I would prepare yourself for her to try and slip the net even now. What happens if she moves job, for example? Do you have to apply again? What if she quits or goes bankrupt?

Hopefully you will start to see this very large sum of money trickling back to you, but I wouldn't put it past her to try and weasel out of it.

MiscellaneousAssortment · 26/02/2015 18:26

Did she ever say why/ give an excuse of some kind? It's leaves you hanging in an odd kind of way doesn't it? Glad court was helpful though!

Pokeymont · 26/02/2015 18:38

Thanks for updating. I hope you get the money.

pluCaChange · 26/02/2015 19:23

What a saga! Thanks for updating.

I'd love to hear the payroll gossip about her. First they paid the council tax out of her salary, and now you've got an attachment...

airedailleurs · 26/02/2015 19:43

Yes tribpot, don't think I haven't thought about her trying to get out of it, but I can always track her down if she changes jobs (I already used a private investigator to find her home address) and the AoE stays in place wherever she is working until it's paid off...

And nope still no contact at all from her, I think there's really something wrong with her...

OP posts:
airedailleurs · 26/02/2015 19:46

I would say she's a grifter, a con artist, I know she mentioned once when I was working with her that her family was bent and her dad knew the Kray twins

OP posts:
tribpot · 26/02/2015 20:58

How does the AoE get enforced if she moves jobs? Do you have to serve papers to her new employer?

I'm sorry your generous nature was abused in this way. Not that I'd advise you to do it again but most people would do their utmost to repay such a loan.

airedailleurs · 26/02/2015 21:08

No I would let the court know who her new employer is and the court would serve the order for me...yes she is totally stupid because she will now get £300 taken out of her salary every month whereas I would have agreed to £100, stupid, stupid woman!!!

OP posts:
tribpot · 26/02/2015 21:18

Agreeing to £100 would not have been incredibly sensible given quite how long it would have taken to pay off! Still, not really a concern now!

airedailleurs · 26/02/2015 21:48

but I wouldn't have minded and it would have been affordable for her whereas knowing how much rent she pays and her salary (which I do), i know that £300 a month will be a very different proposition for her...she'll have to go grifting again to pay for it Wink

OP posts:
fuzzpig · 26/02/2015 22:03

At least now more people will have the knowledge of her behaviour and will say no!

Thanks for updating - so pleased for you :)

airedailleurs · 27/02/2015 11:19

Thanks Fuzzpig, yes and I am quite tempted to send an email warning people she still works with, but I don't want her to feel so ashamed that she can't face those people any more and leaves her job!

OP posts:
airedailleurs · 14/04/2015 18:33

another update: first repayment cheque now received from CAPS, my faith has been restored!

OP posts:
Justusemyname · 14/04/2015 18:42

Do ITV really pay the losers bill?

hollyisalovelyname · 14/04/2015 18:58

Congrats OP.
I just hope my dh's 'friend' will repay him the large sum of money he borrowed over two years ago and was meant to be paid back within months.
Hah!!!
No way will my dh pursue it- he would lose face/ credibility. Jesus wept.
The borrowers wife is, I think, blissfully unaware her dh borrowed the money because she is still well able to spend.
What bugs me is when they were in the money they didn't bother with us, their poorer 'friends'.

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