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Organising a Loan with a Friend

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  • Gaz83
    Gaz83 Posts: 4,047 Forumite
    1,000 Posts Combo Breaker
    goodolddad wrote: »
    On a similar vein, my son is £45K in debt and I want to give him the money to pay it all off as I have over £60K saved.


    My total assets including my house are just under £300K so I don't believe inheritance tax would come into things if I die but are there any other things I need to take into account?
    Asking him what caused the debt would be a start. You don't want to gift him a large sum of money for it to be frittered away and the problems to continue.
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
  • Part of it is a loan, there is also an outstanding amount on a car and the rest is credit cards and two overdrafts that him and his wife ran up last year while she was unemployed for 5 months.
    To be fair they never came to us about this it was my other son who told us that they were struggling to pay off all this debt.
  • After reading an article on saga website it appears that I don't have anything to worry about.


    Sorry I cant post a link but as a new poster I'm not allowed to post links.















  • barbarawright
    barbarawright Posts: 1,846 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    goodolddad wrote: »
    Part of it is a loan, there is also an outstanding amount on a car and the rest is credit cards and two overdrafts that him and his wife ran up last year while she was unemployed for 5 months.
    To be fair they never came to us about this it was my other son who told us that they were struggling to pay off all this debt.

    That's a lot of credit card bills to run up in 5 months even if you take off the car and a loan. Are you sure you have the full story?
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