Help - struggling to get money back!

opinions4u

If you'd read [URL="http://https://forums.moneysavingexpert.com/discussion/76953first, you'd be better off today.

skintandscared_2

If she owes you money, why aren't you included on the DMP? It might be a trickle of money coming in, but at least it's heading in the right direction.

molerat

noodlepoopsie wrote: »

....................
Not getting the money back isn't an option for me ..............

I am afraid it probably is the only option for you.

For anyone else reading

NEVER LEND MONEY TO "FRIENDS" AND FAMILY UNLESS YOU ARE HAPPY TO WRITE IT OFF

noodlepoopsie

Well she messaged me yesterday asking to lower the monthly payments as she 'has lots of things to pay off'.
Waiting to hear further.

Would accept that she's living on a tight budget if she wasn't splurging it on skydiving/swimming with dolphins/cafe lunch breakfast and dinners - at my expense!!

terryw

Suggest nicely to her to just pay something as a sign of good faith not promises for the future.

arcon5

Sounds like she's had plenty of opportunity to make payments but has now lost all credibility.

If I was you I would tell her you are going to take her to court unless she repays the amount in full forthwith. I wonder if this would scare her enough to finally pull her finger out and give you something.

Even if she cannot pay now, there's nothing stopping you going to court and obtaining a CCJ. You can enforce it at a later date (up to 6 years). Also, at this moment in time you have messages etc which effectively confirm it was in fact a loan - saves the potential hassle of her turning round and saying 'it was a gift' in a year and finding the texts have been deleted or phone broken.

Even if you don't enforce the CCJ, you can take solace in the fact she will struggle to get credit in the near and distant future - and also many insurance products now ask if you have had any CCJs made against you so it could affect her premiums if she for example bought a car.

27col

terryw wrote: »

Suggest nicely to her to just pay something as a sign of good faith not promises for the future.

If you can get her to pay just a little something, then it will remove any chance of her claiming at a later stage, that it was a gift. If you can get anything out of her, then make sure you give a receipt stating exactly what the money was for. Keep a copy of this.

McKneff

27col wrote: »

If you can get her to pay just a little something, then it will remove any chance of her claiming at a later stage, that it was a gift. If you can get anything out of her, then make sure you give a receipt stating exactly what the money was for. Keep a copy of this.

Sounds like an episode of Judge Judy lol

Elvisia

Gosh I used to work for Disney....my advice would be to write to her bosses as they would look on this sort of thing really badly, and would make your friend realise there are consequences to her actions. At the moment there are none, so maybe a stiffly worded letter from a solicitor?

noodlepoopsie

Thanks for all your replies!

It's just so frustrating. She keeps saying 'but you know I am going to pay it' but when she's failed to stick to all of our agreements whilst earning a very decent wage, I can't take her seriously!