@mummy917
Breathe. You are doing great. Defo chalk this up to experience, and valuable at that!
You were not wrong by giving him the benefit of the doubt. He needed to show you how he’s going to be behaving and now you know, but you needed to experience it to really learn it.
Thankfully you’ve got it in writing, the agreement to pay back and the refusal - great! I know it doesn’t help you financially now, and things must be tighter, but you can add to the financial settlement as others have said.
I love the ‘mattress promise’ idea! 😂
This will shape how you trust, or don’t, him moving forwards. Absolutely better to know now than him string you along and being unreliable but keeping you dangling for months more, like others have also said, that may mean you would still help and half expect him to pay you back eventually. Don’t underestimate the anxiety and stress from that. Now, it’s very clear moving forward, that clarity is useful.
He’s going to take months to learn and grow up into being a financially responsible adult, if ever, so just make sure you don’t get dragged down with him.