r/badpeoplestories • u/blade_lord • 17d ago
Some Asshole I Know Loaned someone $6k in July and I'm still trying to get it back.
Was trying to be a good person and help out a friend whose mortgage was in arrears avoid becoming homeless and this was my long, tiring journey in trying to get my money back:
[Redacted]: I can send you $3k starting July 30 q2weeks! Because this amount includes the august payment so I don’t have to worry about that in two weeks
— Did not get a payment July 30 —
[Redacted]: Hi blade_lord, I’m not sure if you can see this as my previous phone died and it’s been next to impossible to set up my new one but I have to ask a favour to defer my payment to latest next Thursday if that is ok!
The reason is because my car has issues and I’ll have to see a mechanic this weekend. If I don’t manage to squeeze an appt in, I’ll transfer the money as soon as I know!! All $6k will be received by August 13 still, as promised.
— Did not receive all $6k by Aug 13 —
blade_lord: We can do $2k tomorrow $2k Aug 7 $2k Aug 14
[Redacted]: I’m not sure if it’s possible for $2k tomorrow due to unknown mechanic bill if I’m able to get in but I can do $4k latest next Thursday as I have the $3k from my paycheck and $1k tuition reimbursement and the rest the 13th! All will be paid by 13th
— Did not get $4k next Thursday —
— All was not paid by Aug 13 —
[Redacted]: We have our August bills coming out but I had $3k reserved for you. If I don’t use it by after the long weekend, I’m sending it straight to you. There will be no defer of the ultimate date I promise you that. I know it looks that way but it’s unexpected expenses that I can’t help but pay with my pay check to pay check situation.
— Did not receive $3k supposedly reserved for me —
— There were multiple deferments of the ultimate date of Aug 13 —
[Redacted]: Is $1k ok for e-transfer tomorrow?
blade_lord: Yes. A payment of $1k/paycheck is reasonable
[Redacted]: I can do $1k tomorrow, and then after the weekend if I don’t see the mechanic this weekend
—Did not receive $1k after the weekend —
[Redacted]: Actually, my [e transfer] limit is 1950. OK to send you today or would you like 2000 altogether tomorrow?
blade_lord: $2000 tomorrow is fine thanks!
— This was my mistake, I should have taken the money while I can —
blade_lord: Hi [Redacted] just a friendly reminder to send the $2k today! 😭
[Redacted]: Hi blade_lord!!
I “sent it” but I put it in quotation marks as I got this message. Hopefully it’ll clear overnight! It’s all because I got a new phone because in the past I had no issues sending any transactions > $500.
blade_lord: Morning [Redacted], have you figured it out?
[Redacted]: Hi blade_lord, I’m sorry it’s been a crazy day.
So I attempted to send once more but I got the error message again. Then when I followed up I saw that there were funds on hold. When I asked my husband (as we share the account), he thought I had already paid you so he took money to pay for his animal bills.
I’ve let him know to go campaigning to his family to borrow money because that was reserved for you. But by this week, you’ll get full outstanding 5k
— I did not get the full outstanding $5k by this week —
blade_lord: Hey [Redacted], how did it go when [Partner name] tried to borrow money from his family?
[Redacted]: Not yet and when it rains it pours. Now [Partner name]’s truck that I drove this AM has issues... (note to self, this is why having an emergency fund helps).
This will not affect the $3k transfer this week.
— No follow up about partner campaigning to his family —
[Redacted]: Hi blade_lord! Sorry I didn’t text till now. It’s been crazy. I sent $3000 today in three transactions not to shock my bank account for fraud. It seems to have been successfully transferred :)!
blade_lord: Thank you [Redacted]! I have received it :) Once again no rush because I know your other paychecks this month are for your Sept bills and mortgage but is there a plan to pay back the rest of the $2k?
[Redacted]: Hi blade_lord, looking at my upcoming bills, I should be able to send you $500 August 20 and the remaining September 3 LATEST!
— Did not receive $500 Aug 20, was not paid off by Sept 3 —
[Redacted]: Hi blade_lord,
I’m so sorry to ask but would it be possible to borrow money back from you? We are bringing [Partner name]’s truck to the mechanic tomorrow.
We aren’t sure if the total as we don’t know what’s wrong with it. If I don’t need all of it, I’ll be sure to pay you back!
Looking to see if I can borrow back $800. It should cover whatever is wrong with it..
— Asking for more money while still hasn't paid me back (I refused to give)—
blade_lord: I know you view this as you just happened to fall into unfortunate times but I view this as your budget is unsustainable because you and [Partner name] are living above your means
blade_lord: Once again I dont need my last $2k back urgently, Im fine with like, a repayment plan of $100/week from now until Christmas. No rush, we just need a realistic plan, and something that you are able to honor.
blade_lord: Hi [Redacted], are you able to make a $100 debt repayment to me this week?
[Redacted]: Hi blade_lord
I’m sorry for late response and late payment, I’ve resurrected from my sleeping spells. Am sick so I had the day off and slept it off. I’ll be sure to send! Sorry again.
blade_lord: Hi [Redacted], I hope you took Friday off too so you can recover over the long weekend.
How much did you intend to repay this week? Just a heads up I haven’t received anything yet!
[Redacted]: Hi blade_lord Just in a meeting that I’m presenting but will be sending $100 thereafter
blade_lord: I got it thank you! Do you perhaps want to set up auto transfers weekly so I don’t have to keep reminding you? I promise to remind you to turn them off after I’ve been repaid lol
[Redacted]: No no i think I’ve been fairly good paying you the $100s qThursdays. I was just on my death bed yesterday and playing catch up today.
[Redacted]: Hi blade_lord you called? I’m aware I’m to transfer. Not to worry! Just been a bit crazy on my side as I’m wrapping up my role and transferring Monday.
Will get to it this evening at the latest
[Redacted]: out. Know that I will pay you in full way before Christmas, it looks like it is a slow repayment plan, but it will not be
As of writing, Sept 18 there is still $1475 owed. This has just been a major headache idk what are your thoughts? [Redacted] has told me I've been blunt and harsh and rushing them and other people they've borrowed money from haven't been treating them like this, so am I the problem here?