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Relationships

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:
ekidmxcl · 23/07/2020 08:42

A is a thief and a liar.

I am not surprised S feels this way.

Polyxena · 23/07/2020 08:47

This reply has been deleted

Message withdrawn at poster's request.

TimeIhadaNameChange · 23/07/2020 08:49

If it's not a big thing why doesn't the rest of the family split the 2k plus interest between them and make sure S gets repaid that way?

I think A should be kept away from family events that S wants to go to. The whole affair is so unfair on S.

KarlKennedyisaterriblehusband · 23/07/2020 08:54

It is ridiculous the family are not coming down harder on the thieving man-child sibling. Id be furious with my mother for her part in this. Not taking the jewellery off him in the first place despite saying she would. And why would the family invite him over for all events over the family member who was pressured into lending him the money, against S’s better judgement, to begin with.

Your family has some seriously fucked up attitudes to be favouring A over S.

OneForMeToo · 23/07/2020 08:56

In 10 years the fact A hasn’t even managed to sent up a £10 per month repayment is disgusting.

The fact that siblings backed this loan taking place and now are washing their hands of it is terrible too. They should all be ashamed. The fact that mum didn’t get the jewellery as agreed should of been mentioned way before S asked for them.

If I was S I’d cut you all off as A is being given a free ride constantly with family letting S not come to things to keep A’s place who is a thief and lier with clearly no moral compass.

TitianaTitsling · 23/07/2020 09:08

Pretty disappointing on how your family view and treat S- clearly not a valued and cared for member, just a bank. Is the test of the family still borrowing money from S as l hope given the lack of support that ship has sailed!!

Dozer · 23/07/2020 09:14

It’s not ‘between A and S’ because numerous other family members were involved. S was unwise to lend. A was in the wrong.

A Q is whether or not other family members are being U not to exclude A from family events, at S’ preference. Personally I think that, despite A’s wrongdoing, they’re not being U on that.

BurtsBeesKnees · 23/07/2020 09:14

£20 a month would have paid off the debt within 10 years

Boohoohoohooho · 23/07/2020 09:19

People who ask for money from family members then 'forget' to pay it back despite reminders are nasty thieving shits.

We have had this happen to us a few times from both sets of siblings. It's really low.

I see it as theft.
My BIL and wife have done this several times. They don't care. My brother has also done it.

frumpety · 23/07/2020 09:25

So A has never apologised or tried to set up any sort of repayment plan over the last 10 years ?

Mumoftwoyoungkids · 23/07/2020 09:25

A fair solution would be to divide the debt between the entire family and you each to pay S your share. A will then owe all of you (including S) £400 (or whatever) and you can each decide how you wish to treat A knowing he owes you this money and has no intention of repaying.

Of course if you don’t wish to do this (as you worked hard for your money) then you must be able to see S’s side.

pinkyredrose · 23/07/2020 09:33

If the siblings were so keen for S to lend the money why can't they group together to repay S and then get the money back from A?

Shoxfordian · 23/07/2020 09:38

Unless A repays in full and apologises profusely then I don't see how anyone else can fix this. S probably still wouldn't be that happy seeing A

@pinkyredrose
Good plan apart from A has shown they're not going to repay loans so then everyone loses their money

Dery · 23/07/2020 09:39

“A fair solution would be to divide the debt between the entire family and you each to pay S your share. A will then owe all of you (including S) £400 (or whatever) and you can each decide how you wish to treat A knowing he owes you this money and has no intention of repaying.

Of course if you don’t wish to do this (as you worked hard for your money) then you must be able to see S’s side.”

This. S has been treated really shabbily by your entire family who should all be ashamed of themselves for their part in putting S in this position and then shrugging their shoulders afterwards.

netflixismysidehustle · 23/07/2020 09:47

S has been screwed over and should stop talking to their family for taking A's side. It's funny how the family encouraged each other to use S as a bank but repayment is not a family issue. It's been 10 years. The money could have been repaid. Mum took sides by not holding the jewellery and as for inviting A to family events- the siblings should be ashamed

netflixismysidehustle · 23/07/2020 09:50

The siblings who convinced S to lend to A need to consider giving A the money to repay S if they want to fix things. They clearly think A is above repaying loans so can swallow the cost themselves.

LemonTT · 23/07/2020 09:52

The family need to make S good again by repaying the £2k. The family caused this situation and have used S for years. You know S has been emotionally blackmailed for all the loans. She has continuously been used as the family bank by morally dubious people. A is just the worse example.

You would all be in very bad positions without S.

Alloverthegrapevine · 23/07/2020 09:58

There must be more to this, it's so clear cut that A is in the wrong but the family seem to be supporting A at the expense of S.

Why is S the only person in such a wide family to have any money? Why does/did A, despite being broke, have such valuable jewellery?

Why have the family sided with A?

RandomMess · 23/07/2020 10:05

If A had repaid £5 per week he would have paid it off 2 years ago...

waitingforadulthood · 23/07/2020 10:09

This is a little weird, as it's so clear cut from what's been written here.

One person (S) has been kind, generous and was persuaded by an interfering family/mother to give against their own better judgement. The interfering family/mother persuaded S to do this by lying to her and pretending that they would act as guarantor (by holding the jewellery in lieu of the debt until paid)

The family/ mother were despicable to make this promise to S , who had always stood as family bank, a safe fallback. They used her and lied to her. And then failed to stand with her when their lies we're exposed?!

A is despicable as he/ she is an out and proud thief.

The family is despicable for carrying on to stand by A instead of S. they should at least be ashamed of their using ways.

All this and meanwhile S STILL has the dignity to "make excuses" (read politely decline and not cause a scene about her traitorous family and thief A) whenever said family choose A over her as a guest.

icelollycraving · 23/07/2020 10:10

Poor A. He was basically the family bank but because S is a fuckwit, he suffers. If you all bamboozled him into the loan, you should all chip in to repay it.
S sounds like an utter waster, no responsibility. They should have been ostracised rather than A.
I probably would have fucked you all off.

IJustWantSomeBees · 23/07/2020 10:17

S has helped a lot of you out over the years, you encouraged A to approach S and now you all don’t give a crap that S has had a significant amount of money stolen from her. I would do more than make excuses to not attend family events with A, I’d tell you all to fuck off and never expect any help from me again.

gamerout · 23/07/2020 10:18

A should be excluded from all family gatherings/events until the 2k is repaid. Disgusting situation and you are all disgusting for not supporting S especially as S has helped all of you out at some point. You should all be ashamed of yourselves. Absolutely vile family. Vile. Shame on you.

Alloverthegrapevine · 23/07/2020 10:26

I don't think A needs to be excluded, family's family etc but he does need to experience the same level of family pressure to repay that S had to lend and the family need to make it clear that they are appalled at his behaviour, which oddly they don't seem to be.

Is S still lending to other family members? Had s/he cut off the flow and is that why the family had turned against S?

Fedup21 · 23/07/2020 10:32

I feel sorry for S having been used as a bloody cash point for the whole family for years.

A is a thief and should be paying S back in monthly amounts, and I agree that you should all be telling A to do this.

I hope S doesn’t lend any of you any more money-it doesn’t look like any of you appreciate it and all it’s caused S is grief!