Personal debts to friends and family

enthusiasticsaver

I would tell them when your payday is and say you will pay then. You cannot magic money up from nowhere. Make sure that you pay him/her immediately you get paid.

warby68

So what have you done to make your money last until you are paid and re-budget? Can you offer a partial amount? You may find the pressure eases once you've actually paid SOMETHING.

Can't imagine ignoring is going to help at all and if this person is in a 'place' where mail takes time as opposed to local, why are you so afraid? And how did they lend you money or get you to sign a promissory note?

I'm getting the feeling there is more to this than just a regular 'friend'

shroomdoom

You can have as many feelings as you wish but I have noted that I previously worked abroad. There is nothing more to this than making the stupid decision to borrow money from a friend and then be unlucky enough to have a period of long term unemployment.

I'm afraid of communication because each time I communicate with him, he threatens me by saying he'll contact my family. He's already contacted a previous employer.

warby68

shroomdoom wrote: »

You can have as many feelings as you wish but I have noted that I previously worked abroad. There is nothing more to this than making the stupid decision to borrow money from a friend and then be unlucky enough to have a period of long term unemployment.

I'm afraid of communication because each time I communicate with him, he threatens me by saying he'll contact my family. He's already contacted a previous employer.

So the friend is overseas?

Its an unusual dynamic that's all, that a friend makes you feel so threatened and 'frozen' by a text.

I just think you have to tackle it head on and preferably send a bit of money as a show of faith. If you ignore I can only imagine the threats getting worse.

Hope you find a way to communicate

lessonlearned

shroomdoom wrote: »

You can have as many feelings as you wish but I have noted that I previously worked abroad. There is nothing more to this than making the stupid decision to borrow money from a friend and then be unlucky enough to have a period of long term unemployment.

I'm afraid of communication because each time I communicate with him, he threatens me by saying he'll contact my family. He's already contacted a previous employer.

I agree it's not nice to feel threatened or bullied but I'm afraid this problem isnt going to go away. You need to communicate. Text or email and Tell him exactly when he can expect his first payment and make sure you honour your promise.

I would be inclined to email if you can, it might be a better form of proof than texts. And then follow that up with snail mail. Try and keep as much as you can in writing - just in case he decides to take you to court.

In the meantime do everything you can to raise extra cash to throw at this. Make this your priority. Extreme frugal living and trying to find extra work to supplement your day time job.

An idea......does you granny have friends of her age who need help, gardening, DIY, a bit of decorating etc. Most elders have jobs they can no longer do with ease and would be happy to pay a few quid for a few odd jobs or a bit of help around the house.