Borrowing from parents

BillJones

Tommo301079 wrote: »

I asked for advice not abuse. We owed £6000. We paid £6000. That is why we stopped payments. Her husband is claiming we lent £10000. We didn't. She gave us £1500 as a wedding present. We had a car which we traded for £2500. It left £6000. We have paid. Do we pay money that we don't owe because it's my mum???

"Stopped payments" implies stopping paying before the debt was repaid. "The payments finished" would be more likely to imply that they were all made as agreed.

If you paid back exactly as you agreed (including interest?) then that of course changes things.

Have you now given us all the relevant details? Is there a reason that she's claiming more? Were there previous loans, is she confused, is this malice etc?

Tommo301079

I agree I maybe didn't word it right. We paid back £6000 in full as agreed. We have had no contact with them for over 2 years. We finished paying in September last year. And heard nothing until January when my husband started getting voicemails saying we still owed her £9000 and she would take us to court and send bailiffs to our door. As I stated previously she can be irrational so we ignored her. We then got a letter 2 weeks ago saying we owed them £5200. I sought advice from citizens advise. I was told that she could have paid a solicitor to send me it to frighten me into paying more. I was told that they didn't think there was much my mum could do as there was no agreement between us. The advisor told me if I received any more letters to get back in touch and make an appointment to see a solicitor. Which I will do tomorrow. All we can prove is that we have paid my brother £4800. I do believe they are doing it through malice as I no longer have a relationship with my mum. I believe it's her husband behind it. I have never lent money off my mum before. They had quite a lot of money between them which I understand has now gone which is maybe a reason for them doing this.

greenorange

Maybe I'm stating the obvious, but why not just pick up the phone and call your mum and discuss it? Sure, you don't get on, but you're adults and can surely discuss the problem.

Tommo301079

For a lot of reasons I can't explain here that's not an option.

whodathunkit

I can't get over the fact that you had a row with your mother and stopped speaking to her only 6 months after she gave you £1.5K and lent you a further £4.8K!

Tommo301079

There are reasons why I don't speak to my mum which I will not go into but please don't assume it was my fault. I asked for advice on the financial side of this not the personal.

Wyndham

Tommo301079 wrote: »

There are reasons why I don't speak to my mum which I will not go into but please don't assume it was my fault. I asked for advice on the financial side of this not the personal.

But in this case, the two are tied up together. For example, you haven't mentioned interest, I assume that wasn't part of the agreement, and the reason for that is that it was a loan from your mum?

Wyndham

And, if you were paying your brother, do you know for a fact that he passed the payments on to your mum? He could still have the money which may be why she is chasing you for it?

Tommo301079

My mum had my brothers bank card so had access to the account.

Tommo301079

Wyndham I understand that this involves financial and personal issues. But people are judging me on not speaking to my mum when they don't actually know why.