A friend in trouble...

JessePinkman26

Edit: No longer relevant.

warehouse

Personally I'd get a loan to the outstanding amount and pay him off. Cut all ties etc.

[Deleted User]

What is her proposal to pay him back?

If £250 a month is too much, what can she afford?

foxy-stoat

What WAS the repayment strategy going to be when she took the loan?

I would get as much credit as possible and pay back what she owes, put herself in the position before taking the offer of the loan off him.

JessePinkman26

warehouse wrote: »

Personally I'd get a loan to the outstanding amount and pay him off. Cut all ties etc.

This was my suggestion, however I don't believe she has the credit available to do so.

JessePinkman26

Deleted_User wrote: »

What is her proposal to pay him back?

If £250 a month is too much, what can she afford?

I don't think any proposal was made as far as I'm aware. I will ask her what she can afford.

foxy-stoat wrote: »

What WAS the repayment strategy going to be when she took the loan?

I would get as much credit as possible and pay back what she owes, put herself in the position before taking the offer of the loan off him.

She is fully aware and embarassed at the whole situation. I do not know if there was a repayment strategy or not I will ask her.

Surely the harassment can work in her favour in some way shape or form?

foxy-stoat

JessePinkman26 wrote: »

Surely the harassment can work in her favour in some way shape or form?

Not really - unless she wants to use it as blackmail to reduce or clear the debt off.

eddddy

You mention harassment. Citizen's Advice say:

What doesn't count as harassment by a creditor

Not all action that a creditor takes can be called harassment. Creditors are allowed to take reasonable steps to get back the money you owe them. These include:

• sending reminders and demands for payment
• telephoning you to ask for payment
• calling at your home, as long as this is at a reasonable time of the day
• taking court action.

What counts as harassment by a creditor

If the creditor tries to do any of the following things to try and get you to pay back the money you owe, this could be considered harassment. They include:

• contacting you several times a day, or early in the morning or late at night
• pursuing you on social networking sites such as Twitter and Facebook
• putting pressure on you to sell your home or take out more credit
• using more than one debt collector at a time to chase you for payment
• not telling you if the debt has been passed on to a debt collection agency
• using paperwork or business logos that appear to be official when they’re not, for example sending you letters that look like court forms
• putting pressure on you to pay all the money off, or in larger instalments when you can't afford to
• threatening you physically or verbally
• ignoring you if you say you don't owe the money
• trying to embarrass you in public
• telling someone else about your debts or using another person to pass on messages, such as a neighbour or family member

<snip>

Link: https://www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/harassment-by-creditors/

Edit to add...

But as others say, harassment can be prevented and/or punished by the courts, but it doesn't make the debt go away.

JessePinkman26

eddddy wrote: »

You mention harassment. Citizen's Advice say:

Well she has been threatened verbally, although no solid evidence of this, just the call logs. Multiple texts of a sexual and flirtatious nature at god knows what time during the night.

She is going to speak to Citizens Advice tomorrow.

The original plan was for her to pay it back monthly in installments, however he kept on changing his mind and demanding it when she told him she was no longer intrested in him romantically.

D_M_E

Does she still work at the same company?

Is he still her manager?

What is/was the company's policy with regards to relationships between employees?

Was the money actually a loan or payment for services in kind?

JimmyTheWig

And what does your friend want to happen?
Is she wanting to pay back monthly in instalments as originally agreed and hoping to use the harassment to stop him demanding the money back sooner?
Or is she hoping to use the harassment to pay back less than originally agreed?