bmcariyo:
You loaned your friend N4,000,000 last year and since then, he has refused to pay back, which has really deteriorated the friendship.

You beg him to just pay you N2,000,000 and forget the rest because you are in a financial crisis. Your friend then says he can only get you N1,500,000 since that's all he has.

You feel like you have no option but to accept. You eventually give him your account details to send the amount directly to your bank.

You wake up the next morning, checked your account and there is N15,000,000 in it. You kept staring at the screen in disbelief but it is indeed 15m.

You grab your phone and find 53 missed calls from him and an additional 27 text messages begging you to transfer back N13,500,000 since he only meant to send N1,500,000 and mistakenly added an extra "0."

As a well-brought-up person, what are you supposed to do?

1. Send back N13,500,000/=?
2. Take your full N4,000,000/=?
3. Keep the entire N15,000,000/=?
4......
5...

#FoodForThought

You get N10k you no dey use again?

I will owe him 11million for same period he owe me, and I will pay him 1.5. Every two months !

Keep my 4million but make him SWEAT before getting the remaining.

Very simple.
1. Deduct my N4m
2. Being a Forex person, I'll Find out the exchange rate at the time I lent him the money, juxtapose that with the current exchange rate, then deduct the difference as first interest accrued.
3. Calculate demurrage from first month of default till date using my bank's lending rate after which I will deduct the sum.
4. Calculate the emotional trauma incurred as a result of waiting for the loan repayment based on my monthly upkeep, for the duration of loan default in months and deduct the sum.
5. Finally, i would hold onto 5% of the initial sum, being 750k, as insurance for lawyer fees, should we find ourselves in court.
6. Return whatever is left to him.
7. Permanently burn the bridge of your friendship. If this dude is a definition of a friend, then I don't need to look far for enemies.

You loaned your friend N4,000,000 last year and since then, he has refused to pay back, which has really deteriorated the friendship.

You beg him to just pay you N2,000,000 and forget the rest because you are in a financial crisis. Your friend then says he can only get you N1,500,000 since that's all he has.

You feel like you have no option but to accept. You eventually give him your account details to send the amount directly to your bank.

You wake up the next morning, checked your account and there is N15,000,000 in it. You kept staring at the screen in disbelief but it is indeed 15m.

You grab your phone and find 53 missed calls from him and an additional 27 text messages begging you to transfer back N13,500,000 since he only meant to send N1,500,000 and mistakenly added an extra "0."

As a well-brought-up person, what are you supposed to do?

1. Send back N13,500,000/=?
2. Take your full N4,000,000/=?
3. Keep the entire N15,000,000/=?
4......
5...


You are a GOOD friend.
Take your #1,500,000 and transfer the balance to him.
You will never LACK.
My candid input.

bmcariyo:
You loaned your friend N4,000,000 last year and since then, he has refused to pay back, which has really deteriorated the friendship.

You beg him to just pay you N2,000,000 and forget the rest because you are in a financial crisis. Your friend then says he can only get you N1,500,000 since that's all he has.

You feel like you have no option but to accept. You eventually give him your account details to send the amount directly to your bank.

You wake up the next morning, checked your account and there is N15,000,000 in it. You kept staring at the screen in disbelief but it is indeed 15m.

You grab your phone and find 53 missed calls from him and an additional 27 text messages begging you to transfer back N13,500,000 since he only meant to send N1,500,000 and mistakenly added an extra "0."

As a well-brought-up person, what are you supposed to do?

1. Send back N13,500,000/=?
2. Take your full N4,000,000/=?
3. Keep the entire N15,000,000/=?
4......
5...

#FoodForThought

l will just remove my 4m jeje + 1m for inconvenience allowances. Him father there....

Collect my 4m used the rest buy Suya then we move me and my little girlfriend

joinnow:

youself no well
who can payback in January that has 62days.

hope trailer no go jam una friendship

What do you mean by January has sixty two days. I'm yet to understand why people find it difficult to pay their rent in January.

You should have used 400K, 200K and 150K to tell this story. It would have been more believable and interesting. We all know that banking regulations around limits would have made your friend to realise his mistake even before authorisation....

I will definitely remove my 4million, then collect the interest accrued on the 4million. I will then hold on to 1.5million (amount he too wanted to hold back) and send him the rest @ the end of the year.

bmcariyo:
You loaned your friend N4,000,000 last year and since then, he has refused to pay back, which has really deteriorated the friendship.

You beg him to just pay you N2,000,000 and forget the rest because you are in a financial crisis. Your friend then says he can only get you N1,500,000 since that's all he has.

You feel like you have no option but to accept. You eventually give him your account details to send the amount directly to your bank.

You wake up the next morning, checked your account and there is N15,000,000 in it. You kept staring at the screen in disbelief but it is indeed 15m.

You grab your phone and find 53 missed calls from him and an additional 27 text messages begging you to transfer back N13,500,000 since he only meant to send N1,500,000 and mistakenly added an extra "0."

As a well-brought-up person, what are you supposed to do?

1. Send back N13,500,000/=?
2. Take your full N4,000,000/=?
3. Keep the entire N15,000,000/=?
4......
5...

#FoodForThought

Thunder fire his yansh, I will use his N11, 000 000 to do bizness for 4yrs before giving the money back.

Freestainworld:
Thunder will fire him, I will make sure I take my complete 4m and send the rest, but that's the end of our friendship.

I will refund the remaining #11m after 10years. He can't do me nothing. What goes around comes around.

I borrow a friend 500,000 he promise to pay me in 3weeks , he failed to me after 3 years he started paying me 10000 in 3 years till he complet the money

I go return am but na small small 700k per month

bmcariyo:
You loaned your friend N4,000,000 last year and since then, he has refused to pay back, which has really deteriorated the friendship.

You beg him to just pay you N2,000,000 and forget the rest because you are in a financial crisis. Your friend then says he can only get you N1,500,000 since that's all he has.

You feel like you have no option but to accept. You eventually give him your account details to send the amount directly to your bank.

You wake up the next morning, checked your account and there is N15,000,000 in it. You kept staring at the screen in disbelief but it is indeed 15m.

You grab your phone and find 53 missed calls from him and an additional 27 text messages begging you to transfer back N13,500,000 since he only meant to send N1,500,000 and mistakenly added an extra "0."

As a well-brought-up person, what are you supposed to do?

1. Send back N13,500,000/=?
2. Take your full N4,000,000/=?
3. Keep the entire N15,000,000/=?
4......
5...

#FoodForThought

Omo collect ur full money

I will take back my ₦ 4M and deduct interest as well.

To be sincere, I will give him nothing, because he is not my friend.
If he like let him call all my kinsmen I will not change my mind.

One good turn deserve another.

Block all his numbers and relocate

I will reply thus: "Abegi na 1,500,000 I see, make im go find his other zero because he still dey owe me 2,500,000".

bmcariyo:
You loaned your friend N4,000,000 last year and since then, he has refused to pay back, which has really deteriorated the friendship.

You beg him to just pay you N2,000,000 and forget the rest because you are in a financial crisis. Your friend then says he can only get you N1,500,000 since that's all he has.

You feel like you have no option but to accept. You eventually give him your account details to send the amount directly to your bank.

You wake up the next morning, checked your account and there is N15,000,000 in it. You kept staring at the screen in disbelief but it is indeed 15m.

You grab your phone and find 53 missed calls from him and an additional 27 text messages begging you to transfer back N13,500,000 since he only meant to send N1,500,000 and mistakenly added an extra "0."

As a well-brought-up person, what are you supposed to do?

1. Send back N13,500,000/=?
2. Take your full N4,000,000/=?
3. Keep the entire N15,000,000/=?
4......
5...

#FoodForThought

Guy are u ok??

ogun go kee well-brought up.



A go remove all my money, if possible a go caculate the interest join.

God punish radarada

EngrXrix:

Take my 4m plus interest and hardship allowance (which he knowingly put me through cuz he had money and refused to repay me) which might amount to 5m total. Wil send back 10m. Anywhere he wan carry me go I ready use from that 1m on top carry lawyer. He is a very wicked friend.

na pity you pity am sef,
for me after I frustrate am,then we start case, no from him money we go take dey do the case, in fact that whole money go finish for case,

I won't send anything back yet. I will go and hire a lawyer and take the case to Court. Anyhow judge settle am, na so e go be.
Layers in the house, how this mata go end?

Going to deduct my money, the 11m left am going to keep it.

Then let him go through the truma i went through.

OlawaleBammie:



Guy are u ok??

ogun go kee well-brought up.



A go remove all my money, if possible a go caculate the interest join.

God punish radarada

Bros calm down the writer just want opinions no point swearing

Promotions:
I'll take my full 4m and still hold on to the remaining 11m and do the same thing he did to you...maybe he will accept me paying half of the 11m to him when he gets frustrated... giving out loan can be something else, last year December I gave out 200k loan to a friend that promised to pay me back first week of January and how he is expecting over 300k and long stories of how credible he is, till date the chairman is yet to pay me back, every week one story or the other now he want to apply for loan from them loan companies to pay me back (that was the last excuse he gave).

The same story with me. Mine was 100k

boxypane:
From my calculations, I'd take my 4m, damages is 1.5m, trauma during the period aside damages is 2.5m and interest at 2m. His balance is 5m.
I go dey send 5k/day till its complete.

You go like problem pass wahala oooo.....

No 4. Take my 4m , transfer 10m back to him. Then send him a message to find time to discuss the bank charges and interest to deduct from the remaining 1m.

Oloshibanza....wicked people just full this world

MickzyDonald:
He cant see shi shi
I'll use like 3 milli to buy him some nice wears and kicks, 2 milli for food stuffs, I'll buy him a car of 2.5 milli, the rest is mine, I'll also remove the delivery fee from his money

u will be arrested if u dont return the full 15M

I will transfer back N10m and keep the remaining for myself. N1m extra is for taking too long to pay me back my money

I will collect my 4 million and pay him the remaining 11 million back after 5 years

11 million will be in fixed deposit account where I will not touch it and it will be yielding interest

One day monkey go go market nd him nor go return.

comfirm but yet doesn't answer the question up there

sunshineV:
Only loan what u can afford to lose. loaning na like gamble