When Someone Borrows Money From You

Honest
Dishonest
Don’t matter
Borrow a large sum ($500 or more)….very hard to pay back
Turns honest folks into dishonest
They’re not good at it
So they hide
Only a part time job between ‘em?
Not hard
Impossible

Now?

Yer turn to seek money or some way do without (like they should’ve)
A horribly good lesson

I only lend money ($20-$40) to folks I don't like very much and don't wish to ever see 'em again

...so far, so good
 

Good luck Mizzkitt, I agree with Robusta and AC, better not to lend money you can't afford to lose permanently. I wouldn't worry about being too polite to them either, they weren't too concerned about your feelings. Whether the husband feels like working or not, where there's a will there's a way, they could sell something or pawn something if they wanted to get the money to pay you back for the loan.

Unless you have some kind of a loan promise in writing, you can't even fight it in small claims court. I hate when people take advantage of others. I hope you get a response from your note, but I'd be surprised if they actively tried to pay you back at this point.
 

A thought just occurred to me. If you can get them to pay you ANY amount, give them a receipt, from a receipt book, date it, sign the receipt and get one of them to also sign it. Show the balance owing ! This will give you a paper trail and you will have proof of how much is owed. That can give you proof in court if necessary.
 
Traveler said:
A thought just occurred to me. If you can get them to pay you ANY amount, give them a receipt, from a receipt book, date it, sign the receipt and get one of them to also sign it. Show the balance owing ! This will give you a paper trail and you will have proof of how much is owed. That can give you proof in court if necessary.
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Yeah Traveler, see my post #25. She should take a receipt book with her, IF they answer the door...

Them giving her any money is a long shot but that receipt indicating the balance will go a long way.

ETA: If things go further and there's no proof, they might deny receiving any money or say it was a gift and that OP told them not to worry about paying her back.

Also wouldn't surprise me if they empty out their home and leave town.

Mizzkitt, have you kept copies of the notes you've left? I realize you're planning to go back today and I hope you'll let us know what happened. But, despite advice upthread, I wouldn't keep going back. What would that accomplish?
They KNOW they owe you money.
They KNOW you want your money.
They haven't made any effort to repay you nor is there any indication that they're going to.
They've blown you off. Even IF they answer the door, talk is cheap.

In order to collect you're going to have to aggressively and legally pursue them for repayment. If there is no proof of anything, you might have to write it off.
 
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Yes to all the above. I'd stay on 'em like a chicken on a june bug, and lose the politeness, but don't cross over into nastiness, either, as that could open up a can of worms for you. You might consider getting a lawyer to write a scary letter to them on your behalf, also. Probably wouldn't cost much and would indicate to them that you are very serious about getting your money back. Unless you have a promissory note, though, I seriously doubt you'll see that money.
 
Problem solved in a good way. No, I did not get the money back but they really mean to make good, but honestly are just not able to at the moment. They have agreed though to move my stuff into storage as I will be leaving this place to spend summer at a seasonal trailer while I apartment hunt. The rest of the money owed will have to wait till he gets back to work, and he offered to sign a promissary note. I have also thought of asking him to help with some other chores as the trailer I bought could use a little outside work. We shall see.

All's well that ends well.
 
Mizzkitt said:
Problem solved in a good way. No, I did not get the money back but they really mean to make good, but honestly are just not able to at the moment. They have agreed though to move my stuff into storage as I will be leaving this place to spend summer at a seasonal trailer while I apartment hunt. The rest of the money owed will have to wait till he gets back to work, and he offered to sign a promissary note. I have also thought of asking him to help with some other chores as the trailer I bought could use a little outside work. We shall see.

All's well that ends well.
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Maybe I'm not reading this right. You are going to give them possession/access to the contents of your apartment while you are gone so they can move them into storage?
 
No, they will not be alone. I will be here and so will my landlord. They really are good people, just have had a run of rotten luck happen to them. I would have never lent to them otherwise. He is the type that will watch a senior shovelling snow and go over to help without expecting or taking payment. As far as avoiding me that one day, his story was that he was just too momentarily embarrassed and I can accept that.
 
Mizzkitt said:
No, they will not be alone. I will be here and so will my landlord. They really are good people, just have had a run of rotten luck happen to them. I would have never lent to them otherwise. He is the type that will watch a senior shovelling snow and go over to help without expecting or taking payment. As far as avoiding me that one day, his story was that he was just too momentarily embarrassed and I can accept that.
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If you are comfortable with the arrangement that's all that matters, just be cautious. I hope it all works out for you Mizzkitt.
 
Mizzkitt said:
Problem solved in a good way. No, I did not get the money back but they really mean to make good, but honestly are just not able to at the moment. They have agreed though to move my stuff into storage as I will be leaving this place to spend summer at a seasonal trailer while I apartment hunt. The rest of the money owed will have to wait till he gets back to work, and he offered to sign a promissary note. I have also thought of asking him to help with some other chores as the trailer I bought could use a little outside work. We shall see.
Click to expand...

Mizzkitt said:
They really are good people, just have had a run of rotten luck happen to them. I would have never lent to them otherwise. As far as avoiding me that one day, his story was that he was just too momentarily embarrassed and I can accept that.
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I'm glad you were able to work things out in a way you feel good about it Mizzkitt. The signed promissory note sounds like a good thing to do, I hope you took him up on it. I hope you get full payment someday, I hate it when nice people get screwed for their kind deeds...good luck. We've loaned money to a friend now and then, and have always been paid back with interest.
 

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