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#587803 - 23rd Sep 2011 1:27pm money lent - advice needed
jen8505 Offline
Old Hand

Registered: 21st Aug 2010
Posts: 320
Loc: Eastham
Just after a bit of advice really. I lent someone who was a friend 50 pound as she was struggling 8 weeks ago. We no longer speak and she is refusing to pay me back the money I lent her and is now ignoring completely. Is there anyone I can speak to who can help get my money back. It might not seem like a lot but I am a single mother with a 5 month old Baby and do not get much per month mad

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#587826 - 23rd Sep 2011 2:32pm Re: money lent - advice needed [Re: jen8505]
cathie Offline
Smartchild

Registered: 19th Feb 2009
Posts: 448
Loc: Birkenhead
I would go to your local police station and ask them were you stand on getting your money back.

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#587827 - 23rd Sep 2011 2:33pm Re: money lent - advice needed [Re: jen8505]
little_pob Offline
Smartchild

Registered: 30th May 2008
Posts: 444
Loc: Upton
CAB should be able to advise further, but I think the Small Claims Court will be your only route and will initially cost you £35. If you win she'll have to pay your costs, if she wins you'll have to pay her's.

Unless you have an independent witness, or other proof that it was a loan, she may try to claim it was a gift or payment.

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#587830 - 23rd Sep 2011 2:46pm Re: money lent - advice needed [Re: little_pob]
jen8505 Offline
Old Hand

Registered: 21st Aug 2010
Posts: 320
Loc: Eastham
This is my problem. Everyone who knows I lent her the money is her family and would obviously side with her

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#587833 - 23rd Sep 2011 2:49pm Re: money lent - advice needed [Re: jen8505]
little_pob Offline
Smartchild

Registered: 30th May 2008
Posts: 444
Loc: Upton
Has she sent you any texts or emails or left voice mail that would prove she asked to borrow the money?

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#587834 - 23rd Sep 2011 2:51pm Re: money lent - advice needed [Re: jen8505]
jen8505 Offline
Old Hand

Registered: 21st Aug 2010
Posts: 320
Loc: Eastham
The money was to buy a new tv unit which she chose and bought in argos. Would the fact that it was paid on my card help in any way?

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#587835 - 23rd Sep 2011 2:52pm Re: money lent - advice needed [Re: jen8505]
jen8505 Offline
Old Hand

Registered: 21st Aug 2010
Posts: 320
Loc: Eastham
No it was all done face to face as she's my Baby's aunt

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#587842 - 23rd Sep 2011 3:08pm Re: money lent - advice needed [Re: jen8505]
little_pob Offline
Smartchild

Registered: 30th May 2008
Posts: 444
Loc: Upton
As I don't want to get your hopes up, nor put you off, I'll reitterate the suggestion of dropping down to the Citizens Advice. They'll be able to advise you much better than I can.

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#587853 - 23rd Sep 2011 3:37pm Re: money lent - advice needed [Re: jen8505]
paulph1972 Offline
Enthusiast

Registered: 14th Mar 2011
Posts: 135
Loc: Wirral
I don't think that there is anything you can do as it's your word against theirs. I've also been in the same situation.

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#587864 - 23rd Sep 2011 3:59pm Re: money lent - advice needed [Re: paulph1972]
Hedgehog Offline
Enthusiast

Registered: 8th Dec 2007
Posts: 179
Loc: Hoylake
Write it off and move on.
She can't be much of a mate so no loss there.

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#587868 - 23rd Sep 2011 4:12pm Re: money lent - advice needed [Re: jen8505]
TheDr Offline
Forum Master

Registered: 23rd Feb 2010
Posts: 2631
Loc: Wirral
Originally Posted By: jen8505
The money was to buy a new tv unit which she chose and bought in argos. Would the fact that it was paid on my card help in any way?


If you bought the unit and it was on your card then you are the owner of it, which does change things slightly, as now you can prove that the transaction actually took place.

If you never want to speak to here again what you could do is to go to her house with a friend and ask the police to attend, to prevent a breach of the peace, they wont help you, and collect your goods (make sure you have the receipt).

She will either let you take it (which is better than you have now), scream out that she'll pay you back (in which case you now have witnesses to the debt), or say that it's not yours (in which case you can then say, in front of the police, that the Argos cctv will show her with you when you bought it).

Things can get tricky, but don't go down on your own and make sure you get the police to attend as when you have asked her about it before she has been "threatening", and all you want them there for is to prevent a breach of the peace.

Depends how far you want to go, you could get a solicitors letter sent to her and see if that spurs her on to pay you back,

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#587875 - 23rd Sep 2011 4:18pm Re: money lent - advice needed [Re: jen8505]
BandyCoot Offline

Forum Veteran

Registered: 7th Dec 2008
Posts: 5368
Loc: Birkenhead
Some solicitors do a freebie consultation but once they start writing letters it would cost you, but they will give you best advice.
_________________________
Birkenhead........ God's own Room 101.

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#587914 - 23rd Sep 2011 5:39pm Re: money lent - advice needed [Re: jen8505]
bangbang Offline
Member

Registered: 8th Jul 2011
Posts: 53
Loc: wirral
sad her lending money and not payn you it back hope she has bad look

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#587919 - 23rd Sep 2011 6:04pm Re: money lent - advice needed [Re: jen8505]
woofie Offline
Enthusiast

Registered: 28th May 2009
Posts: 128
Loc: Seacombe, Wallasey
This seems wrong which ever way i look at it. You being a single mum who is on a low income & hard up herself, can afford to loan out £50 to somebody else, also "struggling" to buy a TV stand! You can obviously afford to write it off after this amount of time, so better to learn by a mistake, and not be so gullible to "friends" who aren't quite as hard up and true as they make out. By the way. Any chance of a £50 sub so i can go on the Razz!

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#587992 - 23rd Sep 2011 9:10pm Re: money lent - advice needed [Re: woofie]
diggingdeeper Offline

Wiki Master

Registered: 9th Jul 2008
Posts: 10660
Loc: Birkenhead
Originally Posted By: woofie
This seems wrong which ever way i look at it. You being a single mum who is on a low income & hard up herself, can afford to loan out £50 to somebody else, also "struggling" to buy a TV stand! You can obviously afford to write it off after this amount of time, so better to learn by a mistake, and not be so gullible to "friends" who aren't quite as hard up and true as they make out. By the way. Any chance of a £50 sub so i can go on the Razz!
That seems a pretty heartless way of looking at things when someone has gone out their way to help a friend and been sh£t all over.
_________________________
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates

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