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dave k | I have lent a "mate " over £5000.00 and he is avoiding & making excuses about paying me back? |
I loaned a so called mate & his partner over £9700.00 to set themselves up in their new home.I agreed to help him as he had money coming from his mothers estate as she had just passed away. The money was taken off my credit card, and all this happened last April, he assured me that as soon as he had his money he would settle the debt. He had his money back in December and only paid me £4000.00 he still owes me over £5000.00. I have asked him for the rest of the money but he keeps coming up with excuses as to why he should not pay.
I can not stop paying my credit card company as they say the debt is mine as the card in my name.
I have had emails from him admitting that he owes me the money, and i have kept them should i need to get a solicitor involved.
Any ideas how to resolve this?? |
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Smoochy Poochy
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Keep the emails, I think you should go to citizens advice first of all, with the emails and your credit card statements, they will be able to give you some initial strategies for dealing with this man to see if you can settle this without legalities being involved which is best for all concerned if possible.
If however this does not work, they may advise you to begin legal procedure by first of all instructing your solicitor to send this man a letter stating the amount outstanding and that he needs to pay this debt to you to avoid legal proceedings. You have the emails to prove that he owes you this money so he can't really effectively dispute it. After getting legal advice you might like to try taking this through the small claims court- http://www.hmcourts-service.gov.uk/. Check out this link for more info. The only other thing you can do is learn from this experience and in future draw up a proper agreement between you and the person you are loaning money to, this way if there are disputes later they can be easily solved when your agreement is produced. After what this 'mate' has done he really doesn't deserve any leniency from you, afterall if he was a true friend he would never had disputed the repayment in the first place. |
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RM
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Sounds like you're going to have to sue him for it. Warn him that you're going to have to talk to a solicitor about bringing a case, see if that prompts him to do something. If it doesn't, then go ahead and take him to court. There's really no excuse for him not repaying him as promised, and it'll cost you both in interest and in your credit score. |
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Topshopcitybeachbabe
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oh my god this sounds serious you really need to apply pressure to this man and oif neccessary take him to court to get the money back what on earth made you do this in the first place. OIr you may have to contaqct the police or citizens advice beureau good luck |
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MinaF
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Get a solicitor involved and take him to court to recover the money. Charge him the interest you have paid also and end the friendship. He will possibly have equity in his house and should be able to raise the funds to pay you from this. |
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wigglefart06
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2 words for ya
BLOODY OATH!!! |
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Know How
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Get a Solicitor and I can't believe you didn't when loaning the money. You might have ownership right to the property but a Solicitor should help you there. For example, if a lodger gave you and extra £100 one month as a loan so you could pay the mortgage, the lodger gained equal ownership of the property. As I say, get it checked out because I may have been misinformed but I did hear someone say that yonks ago. |
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cookie
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yes keep all the proof and take him to court, hope this be a lesson to you never loan money to friends, they dont remain friends, ive done the same good luck |
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ralphbreach
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IF YOU LEND ME 5000.00 THOUSAND FOR SIX MONTHS ILL LET YOU KNOW |
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Mohammad
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Discuss the matter among all of your commonly known person. I believe some of those should aware about your lending help matter. You can also bring this matter to his relative level, if it is convenient. If you fail all these domestic approach then you will have to take the pain of lengthy legal procedure. Hope for the best. |
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Snot Me
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keep as much proof as you can warn him about legal proceedings and take him to the small claims court. remember its one thing lending a tenner as you can write that off so next time some one asks just say no. good luck in your quest |
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edgarl
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Frst tell him you see no way forward but legal action if not repaid by the end of the month because it is causing you hardship.
If no joy start by getting a solicitor to write to him. This will show you really mean it.
After that I am afraid it is the courts.
Alternatively you may be able to make a small claim in the County Court. This is a DIY process and your local court or the Citizens Advice Bureau will give you full details. |
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Em
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Don't forget to factor in the interest you have been paying.
If he really can't afford it you could work out a budget plan so he pays you a particular amount each month.
He may not have had the money from his mothers estate - if he says this you could ask for his solicitors phone number to confirm when it is likely to be settled
If you talk to him about legal action explain he may incur extra legal costs (you'll need to give him a set date for repayment)
Maybe talk to the citizens advice bureau for advice re lawyers.
You're going to have to be tough Good luck
What a good friend you were to help him out! |
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