How do I get my money back
July 18, 2006 7:34 AM Subscribe
How do I get my money back from a friend?
posted by daveyt to Human Relations (45 answers total) 5 users marked this as a favorite
(please note i'm in the UK if you are considering options).
6 months ago I lent a friend £900 (~$1650). This was to pay half the cost of a flight and a council tax bill which had gotten a little out of control (Non UK readers - its a mandatory annually paid tax based on house value and pays for fire/police/garbage disposal etc). At the time she promised full payment within a month - it was a purely cashflow problem, she was fully employed and still is (although has moved and changed jobs but is now a lot nearer me).
Cut to 6 months later and my requests for full repayment are being met with more increasingly bizarre excuses for non payment.
Last week I went to meet her in my lunch hour. As i got near my house i got a phone call, she claimed to have been attacked and the money stolen from her. When I found her she had a nasty wound and was bleeding, in obvious distress. My first thoughts were she did this herself, such is my current thinking about her state of mind at the moment. She hasnt exhibited any symptoms since the incident and has never mentioned it.
She owes me the money, my friend £200, and a friend of a friend, 2 months rent - £800. Thats what we know of. She recently sold her house and made around £10K. She has claimed many times that she has 'loads of cash' and is not broke.
Three of us confronted her last night and put it to her that she has been continually lying to all of us for several months and that she is in financial or personal trouble. She is due to be evicted at the end of this week if she doesnt pay her rent in full by the end of today. We gave her a very hard time - although not with shouting and screaming - expecting her to 'come clean' but she shows no sign of changing story. Its incredibly hard to break someone who is hellbent on sticking to her guns. To give an example, she told me last week that the money had been transferred, it had left her account and the bank confirmed it was on its way to mine. This was 10 days ago yet she cannot understand why it didnt happen. This was about the 4th attempt to send me the money.
She continually states that the only reason we havent been paid is generally the fault of the bank. For some reason, her very large, international (HSBC) bank is somehow deliberately not fulfilling her requests. This is obviously BS.
I want to know (bear in mind UK law) what choices I have. Can I file a civil suit against a private person? What will it cost me? How do I prove this? (She admits I owe her at least). Can I demand to her to prove she even has any money? Should I sue a friend?
My brother wants to go round and pull her fingernails out and the whole issue is keeping me up nights. I have been understanding and patient throughout. I now want to do some thing properly.