what should I do - advice please

jackie_w

Thanks everyone for your replies. Sorry I should have said she doesnt have a bath, its only the shower she has. My mum stays just up the road from her so, that was why I said she could maybe use Mums shower.

What Im a bit worried about is that she might ask my mum for the money. You see my mum is saving up for a new tv, and my mum asked me to keep the money for her so she didnt spend it unnecessary, and my sister saw my mum give me the money.

I will be so angry if she asks my mum for the money cos my mum will give her it.

Amber_Sunshine

So she has already borrowed £1100 from you, and at £10 per week that'll take over two years to pay off. You don't say what the £1000 was for, but she could have bought a second-hand bike for her daughter. Rather than increasing her debt - or is it just scrounging? - your sister needs some lessons in how to budget - and you could also direct her to the 'Increase your income' board.

BeenieCat

Are her payments covering the interest, cos i had an Argos card and they're extortionate :eek:

zippychick

Sorry OP but your sister is completely taking advantage of you and your good nature. Firm assertive words need to be had. I have been in similar situations myself having good credit and there has to be a time where you just say - ok enough is enough.

She is being completely unfair, and she is the selfish one.

Where do you draw the line? If you keep bailing her out, she will keep taking hand outs. I would offer her support, help her with her finances, anything but lend her the money.

You can lie of course if it makes you feel better - but how ever you do it, it is not your job to bail her out.

And i would be intrigued to know if she is covering the interest. To drive your point home, I would go as far as work out the interest costs - or at least some sort of estimation . Taking the PEE!

zippychick

Google says the APR is 27&! Is that right?:eek:

BeenieCat

zippychick wrote: »

Google says the APR is 27&! Is that right?:eek:

Yeah that sounds about right :eek: They're on my DMP at the mo lol. Skanks that they are. I had a few £17 charges from them too. :rolleyes:(sorry, a little O/T:o)

zippychick

BeenieCat wrote: »

Yeah that sounds about right :eek: They're on my DMP at the mo lol. Skanks that they are. I had a few £17 charges from them too. :rolleyes:(sorry, a little O/T:o)

Holy cr*p. Too late for my brain to try work it out - is there a calculator online somewhere? That is hideous. OP, if i were you, new plan.

CLOSE THE CARD DOWN. Transfer it to interest free .

Pssst

jackie_w wrote: »

Thanks everyone for your replies. Sorry I should have said she doesnt have a bath, its only the shower she has. My mum stays just up the road from her so, that was why I said she could maybe use Mums shower.

What Im a bit worried about is that she might ask my mum for the money. You see my mum is saving up for a new tv, and my mum asked me to keep the money for her so she didnt spend it unnecessary, and my sister saw my mum give me the money.

I will be so angry if she asks my mum for the money cos my mum will give her it.

Listen..the girl is a parasite. She has no right to either you or your poor old mums money. Tell her you have your own bills to pay and cant lend her any more. Point her toward zopa or other lending institution. If her situation sounds feasible then her zopa listing wont be a problem for such a small amount.

She needs to grow up and be responsible for herself.

consultant31

You're not being selfish by saying no!

It will take her over two years to pay back what she already owes you, how many other things will break or need to be replaced in that time. If you don't say no now, she'll be in debt to you for ever.

She can live without a shower for a while - at a pinch she can get a strip-wash in the bathroom handbasin. Also, she could very likely have got a free children's bike off Freecycle. A bit of spit and polish and most children wouldn't realise that it's not new.

Be the best sister possible and teach her how to live within her means. Once learned, it's a skill which will make a difference to her whole life.

busiscoming2

I think you should say no too!
Why has she not got an Argos card if she keeps asking you to buy things on yours? Bad credit score I assume??
I understand where you are coming from regarding your mum, but where will it end if you keep shelling out for her?!
Has she tried freecylcle (freegle now) for a bike? and maybe even the shower?
Will you have to pay for the fitting of the shower too?