You gave a loan of #40,000 Naira to a friend two years ago BUT since then he has refused to pay back, which has really affected your friendship. You have pleaded with him to pay you #20,000 and forget the rest because you are in a financial crisis.

He tells you he can only get you #15,000 because that's all he has.
You feel like you have no option but to accept. You give him your account details to send the amount directly to your bank.

You wake up the next morning to check your account and there you find #150,000 niara in it.
You keep staring at the screen in disbelief but it is indeed #150,000 niara

You check other notifications on your phone and find 53 missed calls from him and an additional 27 text messages begging you to transfer back #135,000 niara since he only meant to send you #15,000 but accidentally added an extra "0"

What will you do?

1. Send back #135,000 Naira
2. Take out your full #40,000 Naira
3. Keep the entire #150,000 to teach him a good lesson?
4. Any other options

Explain the option.

Take my 40K and owe him 110K for 4 years.

Send him 100k
And hold 50k

Cowries,shishi,penny and shingbain him no go see..i will educate him more on bad debt,using my action.

Take my #40k and transfer the remaining. Who friendship help? Someone that never valued your friendship by lying to you, let the friendship kuku scatter as long as I’ve collected my money

Take 50'000 ND return d rest

Keep the 40k he owes you and send back the rest, that's assuming there was no initial agreement for interest to be included.