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Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? - Family (3) - Nairaland

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Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by jubrilELsudan: 10:38pm On Apr 28, 2023
WEREY SAY HIM DEY ONTOP HIGH SEA FOR A WHILE NOW.....NA HIM MAKE AM NO FIT DO TRANSFER

I DEY SURE SEY NA INSIDE CANAL THE WEREY DEY DEY SHIT

4 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Nobody: 10:39pm On Apr 28, 2023
Omoluabi16:
Lool. How I dey here dey vex about this issue, and then coming online to see this topic.
Those people are just possessed with the spirit of wickedness.
Same here and I'm really pained right now. This debtor has got me all bleeped up.
Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by poshestmina(f): 10:40pm On Apr 28, 2023
My elder Brother taught me this lesson at a very early stage.

I was dividing my Transport/lunch money and was keeping half with him when I was still in primary school because I wanted to get one storybook like that ,time reach ,he 'changed' it for me ,beat join sef .

That was my first 'financial shege' and it stuck!!!!.

Any money I give to family or friends na dash or under probability ( If I see am,if I no see am).

I'd rather just give anything I can afford (except it's a serious medical issue),or better still, take them to take loans and No,I won't be the guarantor.

10 Likes 1 Share

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Brownshoe: 10:46pm On Apr 28, 2023
Brownshoe has nothing on this topic has people no dey borrow me money me too no dey borrow them,
Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Zealag(m): 10:48pm On Apr 28, 2023
Rule no 1
Don't give out an amount of money you can't forget.
Rule no 2
Don't sell on credit,cash and carry.credit is almost same thing with borrowing.these two things only create enemity btw family & friends.
I ended 2relationships in the space of 3weeks bcz they ask me to borrow them money.female for that matter,I refused and we stopped talking.i have learnt my lessons op

3 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by SeriouslySense(m): 10:49pm On Apr 28, 2023
That's wise, personally i don't borrow money to people who i know do not really need it, or who want to use me as a convenient bank to raise capital grin grin grin, but do not intend to pay back, Nigerians are crooks.

Know this and there is peace.

Nazgul:
I don't borrow people money. If I see you geninuely need help, I'll just give you what I can afford and tell you to forget about paying me. I value my mental health and wouldn't want anyone to drive me crazy cos I'm trying to collect back my money.

2 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by SeriouslySense(m): 10:49pm On Apr 28, 2023
smiley
Zealag:
Rule no 1
Don't give out an amount of money you can't forget.
Rule no 2
Don't sell on credit,cash and carry.credit is almost same thing with borrowing.these two things only create enemity btw family & friends.
I ended 2relationships in the space of 3weeks bcz they ask me to borrow them money.female for that matter,I refused and we stopped talking.i have learnt my lessons op
Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by SeriouslySense(m): 10:52pm On Apr 28, 2023
grin grin grin grin, Seriously we have some very entitled people amongst US
Evestar200:
This one is from my childhood friend.

This person begged me to send this money to him in 2015 because he is stranded in Borno and doesn't have anything on him to transport himself to Port Harcourt.

As a good person then, I managed to send him from the little one I have even when I was struggling then.

I reminded him in 2021 when I was sick and in need of money to buy drugs but this is what I get back for being kind.

He didn't pay and blocked me last year.

The other person I lend paid half of the money and the other half is history 😂😂😂😂.

Some people are wicked, Imagine someone I lend 20k on Monday is asking me to send her my account number so that she can send me back my money while some people don't want you to even remind them not to talk about requesting back the money you lend them.


Life.
Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Johnn87: 10:52pm On Apr 28, 2023
Samantha124:
I don't give a damn.

I've once done it before... Everyone around me knows how much I don't like people who can't stand by their word.

Already my family has got a legal aid, so getting a good lawyer is not a big deal for me.

And I'd advice every family to have a legal aid too, in case of situations like this one.

Legal action for bros lend me 30k first is not legally binding, cos there was no official Documents signed by both parties

2ndly, For the fact that its not official loan, [b] N.O named C.O.L.L.A.T.E.R.A.L /seizable assets was tendered or signed out for Repossesorship, in case of repayment defaultment. Certificates, land deed, house documents, Car papers, business assets, etc
On the strength of N2, its a dead end case and waste of time . Cos las las after lawyers don drag adjourn the case as much as possible,
Its left for borrower to say l nor get. Na 100 naira l fit dey pay back monthly. Thereby scattering legal repayment into several years.

Aftrall, no official business was transacted between you two, neither was any documents signed for loan given out.
Unless huge sums are involved, Sound legal advise would advise one to forget a 30k informal loan case, without official agreement documents signed by both parties.

1 Like

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by SeriouslySense(m): 10:54pm On Apr 28, 2023
grin
ednut1:
These days no matter the sob story i no dey listen. Things are tight is my default response. A useless friend of mine wey I borrow 50k 5 years ago, refused to pay then I found out he use am run photoshot for his child's birthday. Kunle ko ni da fun e .
Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by jubrilELsudan: 10:54pm On Apr 28, 2023
NA PERSON WEY GET KUKUNASE I DEY BORROW MONEY CAUSE IF SHE CAN'T PAY ME BACK IN CASH...SHE WILL SURELY PAY ME BACK IN KIND

EVEN MY LANDLORD WIFE WEY I BORROW 100K.....I STILL FVCK HER CAUSE SHE NO GET THE MONEY TO PAY ME BACK AND SHE NO WANT MY LANDLORD TO KNOW SEY SHE BORROW MONEY FROM MY HAND


SHE STILL DEY OWE ME 6 FVCKS CAUSE NA 10K WE AGREE PER FVCK TILL I FVCK THE MONEY WEY I BORROW HER FINISH

3 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by hansomb: 10:54pm On Apr 28, 2023
Nowadays if you borrow someone your money, be ready to lose your money or your friendship. If you no come use wisdom on it be ready to lose both. If you come be the didirin type be ready to chop beating or harassment on top. If you the patient type be ready to chop heart break and trust issues. If your friend is a very honest person and you a patient person be ready for small disappointment/delay paid in batches if na big money .You must always experience one.

7 Likes 1 Share

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Kobojunkie: 10:56pm On Apr 28, 2023
Johnn87:
Legal action for bros lend me 30k first is not legally binding, cos there was no official Documents signed by both parties 2ndly, For the fact that its not official loan, [b] N.O named C.O.L.L.A.T.E.R.A.L /seizable assets was tendered or signed out for repossesorship, in case of repayment defaulement. Certificates, land deed, house documents, Car papers, business assets, etc
On the strength of N2, its a dead end case and waste of time . Cos las las after lawyers don drag adjourn the case as much as possible,
Its left for borrower to say l nor get. Na 100 naira l fit dey pay back monthly. Thereby scattering legal repayment into several years.

Aftrall, no official business was transacted between you two, neither was any documents signed for loan given out.
Unless huge sums are involved, Sound legal advise would advise one to forget a 30k informal loan case, without official agreement documents signed by both parties.
1. I no follow at all. Are you saying that if a court orders a person to pay, the person can still get away with no paying the debt? undecided
Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by SeriouslySense(m): 10:57pm On Apr 28, 2023
Hmm, i dont give, if i know they are playing games and they dont need it, but are looking for who they think has excess money, i will rather go and visit those who are sick in the hospital, than to be a bank for raising capital.

Let them go to loan apps and try and trick them and suffer the consequences and disgrace grin grin grin grin

Is better to give the those who are suffering than to give those who think they are extremely smart and sharp

No wonder the loan apps are dealing with them cool cool cool, they never had any intention to pay, is that how businesses' survive.

Evidenx:
Whenever I borrow people money,I discovered it always turn out bad when I want it back, even as far as loosing some friends,so God gave me wisdom to deal with the situation,if for instance you ask me me to borrow you 10k, I will cut it into half,send you 5k and I will tell you,I didn't borrow you the money but a gift from me and that u should find a way to complete it and use it for what you want. That way I have peace of mind and I don't loose friends again.

2 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Kobojunkie: 10:57pm On Apr 28, 2023
hansomb:
■ Nowadays if you borrow someone your money, be ready to lose your money or your friendship. If you no come use wisdom on it be ready to lose both. If you come be the didirin type be ready to chop beating or harassment on top. If you the patient type be ready to chop heart break and trust issues. If your friend is a very honest person and you a patient person be ready for small disappointment/delay paid in batches if na big money .You must always experience one.
1. But it shouldn't be like that at all. People need to teach others responsibility and hold them accountable by the law. That is a better way forward for all. undecided

2 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by 123readygo: 10:58pm On Apr 28, 2023
Hmmmmmmm

Over a decade ago my school son’s little sister called me that she needed 20k for her project and defense. She promised to pay back in two months. I called her after three months when I didn’t hear from her but I got the shock of my life. She asked me why I’m disturbing her with calls just because of ordinary 20k.

7 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by danielistics(m): 11:00pm On Apr 28, 2023
Most of the posters on this thread don't know the difference between borrow and lend, smh. When you borrow from someone you are obligated to pay back but you lend out money to someone so the person will pay you back.

2 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by julybaba(m): 11:00pm On Apr 28, 2023
Evestar200:
Have you ever lend money to someone and when is time for them to pay they will tell you or do something that will make you regret ever helping them?

Share your stories.

You don’t have to lend anyone shi shi, if you don’t give them, they will still survive.
Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by folake4u(f): 11:02pm On Apr 28, 2023
I generally do not lend people money. I'd rather dash. But if you use your own mouth to say I should lend you money or whatever, I must take it back. I am not going to be the bigger person, I will go lower than the devil as I can be very ruthless.

Recently, this love interest asked for funds and clearly gave a deadline for return. The deadline had passed and he kept avoiding convo about the money, until this week's Tuesday that I had his time. I texted him about it and the werey even had the audacity to tell me to dash him. Nor be you go tell me wetin I go do.

He clearly wanted to use emotional blackmail but he met the wrong person to use that on.

I don't even care whether he takes me seriously or not. I hate it when people don't stand by their words. It's a behaviour I particularly find irritating and cannot stand.

Praise be to Jesus, and Our Heavenly Father, I collected my money COMPLETE. grin

17 Likes 4 Shares

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by SeriouslySense(m): 11:02pm On Apr 28, 2023
cheesy cheesy cheesy imagine that, so confident no conscience.

Dancebreaker:
Terrible.
This world is about using format these days.
If somebody close wants a loan of 50k, just dash him like 15k and wish him good luck. Unless I already planned to give that that kind of money requested.

I cannot lend money and later be told that " haba, how much is 50k sef that you won't let me rest? Even US Govt is owing trillions". I nor fit o.

I once lent a relative I thought was reasonable and has integrity a decent amount of money. He gave a specific time to pay back. He never mentioned it and I never asked him again. 7 years gone.

He did some errands for me and I planned to appreciate him for it. I planned to give him more to just support his hustle, more than he borrowed. The errands were not even worth 10% of what he borrowed from me. But I reward people who do things when I need them to help out. Some always expect favours but cannot do something for you.

In his mind he probably believed he cheated me by borrowing and never mentioning it again. I intended to tell him to keep the money if he wanted to return it and give him extra. That way, he can set himself up. By not mentioning it again, he lost the extra I intended to give him.
Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by SeriouslySense(m): 11:05pm On Apr 28, 2023
You are lucky, Nigerians are highly weird when it comes to paying back.

They love raising capital from people they think they can trick and get away with it.

When they sense one is forgiving and gentle, they will try to trick that person.

folake4u:
I generally do not lend people money. I'd rather dash. But if you use your own mouth to say I should lend you money or whatever, I must take it back. I am not going to be the bigger person, I will go lower than the devil as I can be very ruthless.

Recently, this love interest asked for funds and clearly gave a deadline for return. The deadline had passed and he kept avoiding convo about the money, until this week's Tuesday that I had his time. I texted him about it and the werey even had the audacity to tell me to dash him. Nor be you go tell me wetin I go do.

He clearly wanted to use emotional blackmail but he met the wrong person to use that on.

I don't even care whether he takes me seriously or not. I hate it when people don't stand by their words. It's a behaviour I particularly find irritating and cannot stand.

Praise be to Jesus, and Our Heavenly Father, I collected my money COMPLETE. grin

2 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Eunoiaa(f): 11:06pm On Apr 28, 2023
Octopusssy:
Thank God the odofion has small shame because he transferred it to me in a flash. We now proceeded to block each other left, right and center. Na so friendship of almost 9 years end.

This is the only thing that sweet me here. grin grin

1 Like

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by alizma: 11:06pm On Apr 28, 2023
Evestar200:
Have you ever lend money to someone and when is time for them to pay they will tell you or do something that will make you regret ever helping them?

Share your stories.
Tell him ok you understand but run as long as your legs can carry you far far far away from such people.
You see this people
1) some who eat your food and soon forget how he almost fainted before you gave him the food
2) someone who forgot soon how he was naked before you cover his shame with clothing or accomodation and
3) some who forgot soon, how he was broke before you bail him out, these 3 set of people can kill you for being good to them. Once I noticed you have any of these traits, I quickly leave you with whatever help I had rendered to you and moved on. Once you help any of these people get on their feet, they suddenly start to think it is their right, in fact some of the will say you haven't done enough

3 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by djWALE(m): 11:07pm On Apr 28, 2023
folake4u:
I generally do not lend people money. I'd rather dash. But if you use your own mouth to say I should lend you money or whatever, I must take it back. I am not going to be the bigger person, I will go lower than the devil as I can be very ruthless.

Recently, this love interest asked for funds and clearly gave a deadline for return. The deadline had passed and he kept avoiding convo about the money, until this week's Tuesday that I had his time. I texted him about it and the werey even had the audacity to tell me to dash him. Nor be you go tell me wetin I go do.

He clearly wanted to use emotional blackmail but he met the wrong person to use that on.

I don't even care whether he takes me seriously or not. I hate it when people don't stand by their words. It's a behaviour I particularly find irritating and cannot stand.

Praise be to Jesus, and Our Heavenly Father, I collected my money COMPLETE. grin

Your chats dey kill me, talking stage don end cos of money 😂😂

2 Likes

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Johnn87: 11:07pm On Apr 28, 2023
Kobojunkie:
1. I no follow at all. Are you saying that if a court orders a person to pay, the person can still get away with no paying the debt? undecided
My bad. Canot reply with voice note.
Omo informal loan without Agreement Documents signed by both parties without TANGIBLE COLLATERAL/assets for loaner to Reposses/seize in case of defaulment, are non-legally binding.
If court order a person to pay after like 5/6 adjournements of course, its left for borrower with good lawyer to legally say l NOR GET. Na only 50kobo/10naira l fit afford to repay monthly., thereby scatering repayment of 10k into 60years .
And as far as its informally borrowed, without any documents signed, without collateral , no law court has legal jurisdiction to imprison him as long as he keeps up with 10naira monthly repayment defaulter told court he is able to afford .
Court also has legal jurisdiction to jail him if he talk say him nor wsnt pay bsck at all.

3 Likes 1 Share

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Basic123: 11:07pm On Apr 28, 2023
Octopusssy:
Story of my life. However, I make exceptions. There is one who I lent 5k in 2019 and he promised to pay. When it was time for repayment, he claimed he was robbed on his way to Shiloh.

in my heart I was like "Story don enter. Toh, no wahala" and mentally wrote off the debt. Fast-forward to April 2023, young nigga is now a ultra Peter Obi supporter and when I voiced out my unwavering admiration for Wole Soyinka despite his declaration that the 'Obidient movement' was toxic, he started throwing shades and insults at me on his FB page.

Since we want to be mad, let us all be mad together and scatter everything.

I went to our WhatsApp conversation, took a screenshot of his loan request from four years ago and sent to him with the message "pay up nigga. You cannot be insulting me online and still be owing gbese on top." I also dropped my account details.

Thank God the odofion has small shame because he transferred it to me in a flash. We now proceeded to block each other left, right and center. Na so friendship of almost 9 years end.

Wetin be my own? I am not Jesus, I am Octopusssy and I can be very petty when I want to be. Mscheeeew
Some obidients are mad people

1 Like

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by nedekid: 11:09pm On Apr 28, 2023
Kobojunkie:
When you borrow folks money make sure they sign a promissory note stating when and how they will pay you back so should they throw this kind of surprise at you, you can easily take them to court to get your money back. undecided
Lol, court will ask how much the person can pay. If it is 100k debt, the person says he can only afford 2k monthly as his salary is 30k, he has to feed, transport, pay school fees etc. Court then says no, pay 4k monthly till the debt is cleared.
You go come de wait for years to get your money, don't forget inflation.
Better still get the person to give you a postdated cheque along with the promissory note.

1 Like 2 Shares

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by tunjilomo(m): 11:09pm On Apr 28, 2023
ednut1:
These days no matter the sob story i no dey listen. Things are tight is my default response. A useless friend of mine wey I borrow 50k 5 years ago, refused to pay then I found out he use am run photoshot for his child's birthday. Kunle ko ni da fun e .

Oya, oga, I wan borrow 10k, I fit drop my azza?

1 Like 1 Share

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Kaycee54321(m): 11:09pm On Apr 28, 2023
folake4u:
I generally do not lend people money. I'd rather dash. But if you use your own mouth to say I should lend you money or whatever, I must take it back. I am not going to be the bigger person, I will go lower than the devil as I can be very ruthless.

Recently, this love interest asked for funds and clearly gave a deadline for return. The deadline had passed and he kept avoiding convo about the money, until this week's Tuesday that I had his time. I texted him about it and the werey even had the audacity to tell me to dash him. Nor be you go tell me wetin I go do.

He clearly wanted to use emotional blackmail but he met the wrong person to use that on.

I don't even care whether he takes me seriously or not. I hate it when people don't stand by their words. It's a behaviour I particularly find irritating and cannot stand.

Praise be to Jesus, and Our Heavenly Father, I collected my money COMPLETE. grin

Hey Mami.

Your love interest dey jonze oh.
What does he mean by "men observe little things like this?"
If you carry this love interest to permanent site, una fit no last oh.


Seriously, I prefer people whose word is their bond. I borrowed a friend 50k (not because I'm emotionally connected to the friendship but because he's good for it) - he makes more than 10X the amount in a month.

E suppose pay back today; na me remind am, e don push am go month end.

Money matters or not, a man's word should be his bond.

6 Likes 1 Share

Re: Borrowing & Not Repaying: Have You Ever Encountered Such From Family Or Friends? by Bigchristo: 11:11pm On Apr 28, 2023
Evestar200:
Have you ever lend money to someone and when is time for them to pay they will tell you or do something that will make you regret ever helping them?

Share your stories.
You broke come still get pride join am, na Oraimo cord dem suppose wipe for your neck for talking stupid, you for talk straight say no Be borrow in the first place 😂😂

1 Like 1 Share

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