jasper83:
Bros I totally feel your pain but please calm down. Put this quote in your left palm " Never loan out an amount you can't forfeit". You were sweet talked into parting with your money because you are inexperienced and naive about our money repayment works.

No matter what he promised you, a financial literate person knows that the repayment cycle is too short, he himself knew abi nitio that he won't pay back as promised but because he's desperate he played along.

Don't do anything irrational, he's your inlaw and must be feeling very sad and tensed, he's already seeing himself as a failure, he's the one who supposed to be showing love to your guys but destiny has humbled him.

See me myself lent my inlaw 500k since 2017 November and he promised paying back February of the new year, me as an experienced man who has tasted trenches life before knew he can't pay back so I took my mind off it, he just gave me a cook and bull story of a business of farm produce that will yield xyz percent in 3 months and November is the season, the possibilities of him investing in the said business is low , but what I'm certain is that a reasonable percentage of it he used it for personal immediate family stuff. At least my aunt and her children will be relieved and the man will have a high hope of a better new incoming new year with 500k cash at hand.

Also what if he dies in the trenches battle is it not people like us that will still adopt our aunty's children? So it's better he's alive and taking up his responsibilities by himself, that's the wisdom I borrowed myself when lending him. The money isn't a big money for me so I closed my mind from it, if he repays fine, if he doesn't fine. All I know is he can't face me in the future for such a gesture, lest I forget he's is 15 years older than me ooo, now in his mid 50's.

Since then which is close to 5 years bro never mention the money, lol. He had to approach my parent at one event like that so they can pipe me down, I just told them I did it for my aunt not him. Sincerely he's a very very nice man, nah economy humble am so I can never rubbish him. Also I have been down in life before, so I perfectly understand the dynamics of being broke pro-max as a full grown adult. No condition is permanent and once in a while I do pray for him and his family for financial uplift.

So bros, calm down and pray for him, he's feeling bad already and your cousin is the most hit, see it as a learning curve for you too, never lend out what you can't forfeit. Don't fight and don't put him under pressure, advise him to pay in bits.

Gracias

Purple2003:
Good morning everyone,
Pardon me if I am posting this under the wrong section (this is my first time of posting on this platform).

To the matter....
I need legal & other advice on how to handle a situation that's causing me a lot of mental stress. I loaned 280,000 Naira to my cousin's husband around January for his business. There was no written agreement (I blame myself for this) because I felt it would be awkward to ask a family member to sign papers before I help him. Although I have other proofs like recorded calls and conversations where I asked for my money and he kept on begging for more time. The agreement we had was for him to payback by March. I had plans to purchase a fairly used Keke-napep with this 280k (plus some money I had reserved in my account).

When it was time to pay, I called him a lot to ask for my money. Sometimes, he'll pick and beg for more time. Sometimes, he'll pick and just leave me saying "hello hello hello" without a word from him. Most of the time he won't even pick my calls. He once asked me to send my account number but he didn't send anything (I felt like a joke). This went on from March, April & May. During this period, I had spent, on feeding & other bills, all the money I was supposed to add to the 280k in order to purchase the Keke-napep. This Keke-napep would have generated money for this bills if I had bought it then.

I've been staying at his place since beginning on this month because I don't have any money to fend for myself. When I came here, he told me that his customers promise to send the money before 15th of this month but they didn't. Now he said they promise to send it by the end of this month. All these while I have been patient and tolerant with everything, including the treatment I've been receiving since I came here (I don't even want to go into these treatments). I've been staying indoor since I came here because I don't know anywhere in this area. Just sitting one place and waiting for time to run makes me think about a lot of things and it's depressing.

I can't take this anymore. Even if I have a soft spot for family members, I also need to think of myself by taking necessary measures to get my money back before they ruin my plan of purchasing something that will help me survive daily. I need advice, please

ImoleNaija:


The ones that surround you. I don't think I have such amongst my F&F.

frozen70:


See if this man doesn't have a penny and have no hope of getting anything, honestly stay there for a year, you won't get anything

Inform your families and his, at least let them be aware, I know they will tell you to be calm.

Then you will ask them to tell you how long they want you to wait, whatever he says concerning the time frame, accept it

Just leave and go, consider that money to be gone

Start a fresh, a time will come you will collect something that worths more than that money from him

It will take you long ohh, but that time will come

Some people don't have conciense neither do they have shame

killmods:

There's always wisdom in all ur comments.. can't help but notice.

Purple2003:


loaned 280,000 Naira to my cousin's husband around January for his business.

Purple2003:
Good morning everyone,
Pardon me if I am posting this under the wrong section (this is my first time of posting on this platform).

To the matter....
I need legal & other advice on how to handle a situation that's causing me a lot of mental stress. I loaned 280,000 Naira to my cousin's husband around January for his business. There was no written agreement (I blame myself for this) because I felt it would be awkward to ask a family member to sign papers before I help him. Although I have other proofs like recorded calls and conversations where I asked for my money and he kept on begging for more time. The agreement we had was for him to payback by March. I had plans to purchase a fairly used Keke-napep with this 280k (plus some money I had reserved in my account).

When it was time to pay, I called him a lot to ask for my money. Sometimes, he'll pick and beg for more time. Sometimes, he'll pick and just leave me saying "hello hello hello" without a word from him. Most of the time he won't even pick my calls. He once asked me to send my account number but he didn't send anything (I felt like a joke). This went on from March, April & May. During this period, I had spent, on feeding & other bills, all the money I was supposed to add to the 280k in order to purchase the Keke-napep. This Keke-napep would have generated money for this bills if I had bought it then.

I've been staying at his place since beginning on this month because I don't have any money to fend for myself. When I came here, he told me that his customers promise to send the money before 15th of this month but they didn't. Now he said they promise to send it by the end of this month. All these while I have been patient and tolerant with everything, including the treatment I've been receiving since I came here (I don't even want to go into these treatments). I've been staying indoor since I came here because I don't know anywhere in this area. Just sitting one place and waiting for time to run makes me think about a lot of things and it's depressing.

I can't take this anymore. Even if I have a soft spot for family members, I also need to think of myself by taking necessary measures to get my money back before they ruin my plan of purchasing something that will help me survive daily. I need advice, please

DryMouth:
Call family meeting on him ASAP

For all those that will come to this thread to talk how they can't loan money to anyone, hope y'all won't beg for loan when you are in dire need.

Emmanuel909090:


I'm not asking him to let go, but he should avoid arresting him.

He will spend money to mobilize police to arrest him.

Police won't keep him in jail, he will also bail himself with same money he might be saving to pay him.

Police will only ask him, if he is owing, he will affirm.
And they will ask him when he can pay and how he will pay.

He can now decide to be paying you 20k monthly and if police confirms.
Your money will come in bits.

Now relationship don scatter, money don scatter.
So what's the need?

Purple2003:
Good morning everyone,
Pardon me if I am posting this under the wrong section (this is my first time of posting on this platform).

To the matter....
I need legal & other advice on how to handle a situation that's causing me a lot of mental stress. I loaned 280,000 Naira to my cousin's husband around January for his business. There was no written agreement (I blame myself for this) because I felt it would be awkward to ask a family member to sign papers before I help him. Although I have other proofs like recorded calls and conversations where I asked for my money and he kept on begging for more time. The agreement we had was for him to payback by March. I had plans to purchase a fairly used Keke-napep with this 280k (plus some money I had reserved in my account).

When it was time to pay, I called him a lot to ask for my money. Sometimes, he'll pick and beg for more time. Sometimes, he'll pick and just leave me saying "hello hello hello" without a word from him. Most of the time he won't even pick my calls. He once asked me to send my account number but he didn't send anything (I felt like a joke). This went on from March, April & May. During this period, I had spent, on feeding & other bills, all the money I was supposed to add to the 280k in order to purchase the Keke-napep. This Keke-napep would have generated money for this bills if I had bought it then.

I've been staying at his place since beginning on this month because I don't have any money to fend for myself. When I came here, he told me that his customers promise to send the money before 15th of this month but they didn't. Now he said they promise to send it by the end of this month. All these while I have been patient and tolerant with everything, including the treatment I've been receiving since I came here (I don't even want to go into these treatments). I've been staying indoor since I came here because I don't know anywhere in this area. Just sitting one place and waiting for time to run makes me think about a lot of things and it's depressing.

I can't take this anymore. Even if I have a soft spot for family members, I also need to think of myself by taking necessary measures to get my money back before they ruin my plan of purchasing something that will help me survive daily. I need advice, please

alphabbey1:


Check my previous comment. Already gave OP one of the best advice..... constantly reminding his cousin about the money in a angry tone is one of the best strategy.... the cousin will know how to work on getting the money out from her husband....

Purple2003:
Good morning everyone,
Pardon me if I am posting this under the wrong section (this is my first time of posting on this platform).

To the matter....
I need legal & other advice on how to handle a situation that's causing me a lot of mental stress. I loaned 280,000 Naira to my cousin's husband around January for his business. There was no written agreement (I blame myself for this) because I felt it would be awkward to ask a family member to sign papers before I help him. Although I have other proofs like recorded calls and conversations where I asked for my money and he kept on begging for more time. The agreement we had was for him to payback by March. I had plans to purchase a fairly used Keke-napep with this 280k (plus some money I had reserved in my account).

When it was time to pay, I called him a lot to ask for my money. Sometimes, he'll pick and beg for more time. Sometimes, he'll pick and just leave me saying "hello hello hello" without a word from him. Most of the time he won't even pick my calls. He once asked me to send my account number but he didn't send anything (I felt like a joke). This went on from March, April & May. During this period, I had spent, on feeding & other bills, all the money I was supposed to add to the 280k in order to purchase the Keke-napep. This Keke-napep would have generated money for this bills if I had bought it then.

I've been staying at his place since beginning on this month because I don't have any money to fend for myself. When I came here, he told me that his customers promise to send the money before 15th of this month but they didn't. Now he said they promise to send it by the end of this month. All these while I have been patient and tolerant with everything, including the treatment I've been receiving since I came here (I don't even want to go into these treatments). I've been staying indoor since I came here because I don't know anywhere in this area. Just sitting one place and waiting for time to run makes me think about a lot of things and it's depressing.

I can't take this anymore. Even if I have a soft spot for family members, I also need to think of myself by taking necessary measures to get my money back before they ruin my plan of purchasing something that will help me survive daily. I need advice, please

Purple2003:
Good morning everyone,
Pardon me if I am posting this under the wrong section (this is my first time of posting on this platform).

To the matter....
I need legal & other advice on how to handle a situation that's causing me a lot of mental stress. I loaned 280,000 Naira to my cousin's husband around January for his business. There was no written agreement (I blame myself for this) because I felt it would be awkward to ask a family member to sign papers before I help him. Although I have other proofs like recorded calls and conversations where I asked for my money and he kept on begging for more time. The agreement we had was for him to payback by March. I had plans to purchase a fairly used Keke-napep with this 280k (plus some money I had reserved in my account).

Purple2003:
Good morning everyone,
Pardon me if I am posting this under the wrong section (this is my first time of posting on this platform).

To the matter....
I need legal & other advice on how to handle a situation that's causing me a lot of mental stress. I loaned 280,000 Naira to my cousin's husband around January for his business. There was no written agreement (I blame myself for this) because I felt it would be awkward to ask a family member to sign papers before I help him. Although I have other proofs like recorded calls and conversations where I asked for my money and he kept on begging for more time. The agreement we had was for him to payback by March. I had plans to purchase a fairly used Keke-napep with this 280k (plus some money I had reserved in my account).

When it was time to pay, I called him a lot to ask for my money. Sometimes, he'll pick and beg for more time. Sometimes, he'll pick and just leave me saying "hello hello hello" without a word from him. Most of the time he won't even pick my calls. He once asked me to send my account number but he didn't send anything (I felt like a joke). This went on from March, April & May. During this period, I had spent, on feeding & other bills, all the money I was supposed to add to the 280k in order to purchase the Keke-napep. This Keke-napep would have generated money for this bills if I had bought it then.

I've been staying at his place since beginning on this month because I don't have any money to fend for myself. When I came here, he told me that his customers promise to send the money before 15th of this month but they didn't. Now he said they promise to send it by the end of this month. All these while I have been patient and tolerant with everything, including the treatment I've been receiving since I came here (I don't even want to go into these treatments). I've been staying indoor since I came here because I don't know anywhere in this area. Just sitting one place and waiting for time to run makes me think about a lot of things and it's depressing.

I can't take this anymore. Even if I have a soft spot for family members, I also need to think of myself by taking necessary measures to get my money back before they ruin my plan of purchasing something that will help me survive daily. I need advice, please