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Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

Sibling loan causing family difficulties...

101 replies

kemos · 23/07/2020 05:20

I was wondering if I could ask for advice here. I have quite a few step/half/siblings and I get on with all of them quite well, but they don't get on with each other...

About ten years ago we were all much closer, we knew if we got into difficulty and needed a short term loan, my eldest sibling (S) was happy to help most of us out with the money, and we always paid S back in short order, over the years S helped out me, my parents and many of my other siblings in this manner.

Unfortunately it came to a situation whereas one of my other siblings (A) got into difficulty and used a pawn shop to set aside jewellery and borrow money. The pawn shop called in the debt and A didn't have the funds to cover it. Other siblings (not me) convinced A to approach S for a loan. Knowing that A was unreliable with money, S demurred, until A offered the much higher value of the jewellery as security until the loan was repaid.

Because S was not at the time living in the same part of the UK as A and the pawnshop, S transferred the money (a shade over £2,000) to A's account and asked my mother to hold the jewellery until they could get it. The debt was repaid and the jewellery returned to A.

Two months later, S came home for a visit and asked my mother for A's jewellery. Somehow A had not turned it over, and many excuses followed, ending with 'I had to give it to my partner, because I owe her money'. Probably tired of being hassled for the money, A announced he was moving out of the room at my mother's, and in with friends. Arguments followed, with S accusing A of engineering an 'out of sight, out of mind' attitude to the debt. A responding that such an accusation was a terrible stain on their character. A week after they moved out, S searched through A's left behind possessions and discovered pawnshop paperwork for part of the jewellery dated six days after he had forwarded the money, meaning he had pawned at least some of it again.

Unfortunately, not a penny was repaid and the debt still exists, ten years later and has driven a wedge between my family. It may be just a debt between A and S, but it has created such an enormous elephant in the room whenever family gatherings are arranged.

S accepts that the debt will never be repaid, but now outright refuses to see/speak/be in the same place at the same time as A, and boycotts all family events that A attends, so if A comes for Christmas, S will make excuses, but we know the real reason...

Most of the family take the position that it's either ten years worth of water under the bridge or simply a matter between A and S, but perhaps justifiably, S takes the view that we should call A out and apply pressure to resolve this as we still talk to him...

I'm not sure what can be done after so much time, perhaps I'm venting, perhaps I'm hopeful this can be resolved.

OP posts:
PragmaticWench · 23/07/2020 05:26

I know family can be complex but A has basically stolen from S. Why would you just ignore that? Poor S not being supported by their family, you were all happy to use them as a bank but won't stand up for them now.

Tinamou · 23/07/2020 05:32

I agree with A. It's not just a matter between A and S, is it, if it's preventing A coming for Christmas with the rest of the family? Especially if other siblings put pressure on A to lend the money in the first place against their better judgement.

Tinamou · 23/07/2020 05:32

Sorry, I got A and S muddled up but hopefully you understand my post.

PaterPower · 23/07/2020 05:34

I’m with S on this one. Although he/she is perhaps being a bit unrealistic to expect other family members to cold shoulder A, S is right to feel pissed off that they didn’t intervene at all in this situation.

The 2k could have been paid off in small chunks over 10 years. Or the family could have encouraged A to sell some of the jewellery to pay off the debt to his sibling.

billybagpuss · 23/07/2020 05:38

Has A every acknowledged their behaviour and actually apologised to S. if not he absolutely should be called out on it, he’s basically stolen £2k from a sibling and thinks it should be just brushed under the carpet and ignored.

Scrumpyjacks · 23/07/2020 05:59

S has every right to be annoyed and A is a CF.
You were all happy to encourage A to approach S for the money but as soon as there is issue about it, you've all backed off. You should all be greatful S is speaking to any of you to be honest. You should definitely be supporting S more in this.

Gingernaut · 23/07/2020 06:02

A has stolen £2k from S, used his mother to hide the deception and has learned nothing.

I'd be with S on this one and be having words with the mother too.

EvenMoreFuriousVexation · 23/07/2020 06:10

You're S, right? (otherwise I can't figure how you know so much the ins and outs unless your mum is an horrific oversharer, in which case you have bigger issues)

What effort has been made on both sides to resolve this? Is A aware that his mum lied to S? Have A and S communicated directly, or is it all through a 3rd party who may be twisting things (I speak from bitter experience)?

ivykaty44 · 23/07/2020 06:23

It seems strange that siblings encouragedA to seek help from S and then turn a blind eye to the way A behaved

Have all the same siblings encourage A to sort this family matter out as it’s affecting everyone ?

Lobelia123 · 23/07/2020 06:30

The money is important, its a lot of money after all! But probably what is more important is the betrayal of trust, the blatant using, lying, the f- you attitude and the way no one else in the family will acknowledge the issues. If i were S Id also be upset and I would definately blame all of you on some level for colluding with the lies and theft by 'not wanting to take sides'.

AdoreTheBeach · 23/07/2020 06:40

Personally, I’d have a word with A. Their Behaviour was appalling and they should be called out do they know their behaviour is not acceptable.

Could the family try to influence A to set up a payment plan? Surely A could’ve repaid the debt of 2k over the course of 10 years. So if it’s a case that A just does not care, then if think long and hard about A. Silence can be viewed as acceptance. The family is accepting this behaviour

labyrinthloafer · 23/07/2020 06:48

If I did nothing more, and I don't think this is really enough, I would tell S I fully understand why they don't want to see A.

IndecentFeminist · 23/07/2020 06:52

So, it was family business when you needed loans, were encouraging this family member to borrow the money...but now it has gone tits up it is not family business and is a personal matter between the two of them? Pretty flexible morals you have there.

I'm with S.

Mistystar99 · 23/07/2020 06:52

S should not have lent anyone money in the first place. Job done.

SeasonFinale · 23/07/2020 06:52

Is S for sister and A for arsehole?

As it was the family who pressurised S into lending the cash the family could at least have the decency to take D's feelings into account.

Veganforlife · 23/07/2020 06:57

The family should be making the person who owes the money pay it back in small chunks

Veganforlife · 23/07/2020 06:58

The person who lent money ,was kind ,the family are nasty to allow it to not be repaid

larrygrylls · 23/07/2020 07:01

I don’t know. I think, with family, you either give money or don’t. Family will never feel the same obligation to pay a loan as a stranger.

A and S need to have a discussion. How does A justify to himself and the rest of the family not repaying the loan?

okiedokieme · 23/07/2020 07:06

A needs to repay, end of. Set up a standing order of £20 a month, ideally £50+ but I'm assuming low income

FattyBoom · 23/07/2020 07:20

I do hope that based on A's behaviour and the fact that everyone else seems to be fine with it (seeing as none of you apparently supported S in getting it back) S refused the rest of you from then on too.

I agree with S entirely.

nettie434 · 23/07/2020 07:21

Most of the family take the position that it's either ten years worth of water under the bridge or simply a matter between A and S

But it can't ever simply be a matter between S & A when S was pressurised into providing the loan in the first place by the other siblings. Things aren't likely to change until A tries to repay the money and apologises.

MrsPworkingmummy · 23/07/2020 07:25

I agree with S entirely and feel sorry that he has been used as a cash cow, yet as soon as he needs support, no-one is stepping up. It's a disgrace. 'A' sounds like a loser and a fraudster.

slipperywhensparticus · 23/07/2020 07:26

I actually hope s never bails any of you out again you totally dropped them in it

SeasonFinale · 23/07/2020 07:28

if any of Larrygrylls family are reading never lend them any money - apparently there is no obligation for them to repay you!Hmm

Bemorechicken · 23/07/2020 07:32

I'd back S totally and feel that A needs to be called to account.

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