She wont pay me back

United States
March 16, 2007 2:27pm CST
I have a girl who used to be my best friend until she started borrowing money from me with out paying me back. I am not even close to finacial stable right now and I need the money she owes me. She knows this and still wont pay me. What should I do. She also has her cell phone in my name and wont get it transfered in to her name because her payments are always late. I don't know if I should end our friendship because she wont talk to me now or let it slide. HELP
4 people like this
36 responses
@magikrose (5429)
• United States
17 Mar 07
There are other ways she can pay you back. My bestfriend and I borrow money from eachother all the time and never expect it in return. We help eachother all the time so we figure it all works out in the end. Honestly you should be looking at your friendship like that. Normally neither of us can afford to lend the money out either but we do because we care about eachother and we know we will get paid back whether it is money or in trade.
1 person likes this
• United States
16 Mar 07
I would end the friendship immediately. I feel that shes using you. You need to call the phone company and explain your situation and I would recommend small claims court for the money she borrowed, hopefully you have kept track of it. If not, maybe the best thing to do is cut your losses, drop the so called friend, and move on with your life as a lesson learned. Best of luck to you.
1 person likes this
@navinshan (3933)
• Canada
16 Mar 07
When you need to deal with money that is seriously affecting your friendship, then i feel may be your friend is exploiting you, he or she is wrong on her side, she should either pay of her dues that she owes you or should request you to grant extra time, instead she should not cheat you, that is not a true friendship. if she continues this for a while then u should immediately end her relationship as a friend.
• United States
16 Mar 07
This has been going on for six months. All I really want her to do is transfer the phone in to her name so that I don't have to pay her bill the cancalation fee and the price of all of her late charges. How should I go about getting ahold of her if she wont return my calls?
@navinshan (3933)
• Canada
18 Mar 07
just say to her that u don't want to get messed up with her and friendhsip, so transfer your name to her name and if she doesn't agree, then pay the cancellation fees and then close the file and end her worthless friendship as well. but be sure to take the decision quick, or would miss the boat.
@Naomi17 (624)
17 Mar 07
You've learnt a hard lesson and a true friend wouldn't be using you! I used to have a friend always late, her time was important to her but turning up several hours later made me think i wasn't that important. She also never had money on her would say i'll pay you back tomorrow it never came! they weren't huge amounts, anyway i decided no more being used and didn't need someone like that in my life i told her how i felt and she was shocked made excuses but to little to late i knew she would do the same thing again just walk away get the phone sorted cancel the contract and be free!
• United States
19 Mar 07
That is my altimate goal. How do I get her to call me so when can settle it. I don't have the money at this time to cancel it and to turn it over to her name I have to talk to her.
@ydnac22 (802)
• Philippines
16 Mar 07
oohhh sad to hear..well if im were you i will choose to end up the friendship.Shes not a real friend.She just using you. Wake up gurl...there are lots of people around deserving to be your friend.:)Move on and bear in mind the lesson it gives you. Never trust a person right away.
• Philippines
17 Mar 07
A lesson is learned here. If you want to keep a friend don't ever LEND money because that could be the end of a good friendship. I have gone through this many times, trust me. It doesn't matter how long you know or have been through with this friend. Money can really ruin everything. I know people will say that you have to help a friend in need. But this is also a way to measure how good the friendship is. This is a sad part of friendship when we trust too much.
• United States
16 Mar 07
The sad thing is we have been friends for four years we had babies togther. I don't know what happened?
• India
17 Mar 07
Hey, dont get disappointed. What ever happens take it positively. Why dont you think differently? As she is not ready to pay you.... just leave it and think that the money u gave her does not belongs to you or you earned that money in some wrong ways knowingly or unknowingly. Generally the money which we get or earn in wrong ways doesn't stay us. By some how or the other means we will loose it. So think the same. Any how money is not the only thing in life. But don't stop talking to her. Be in contact and never say anything about the money. If she realizes, she will return or else, just leave it. I hope i satisfied you to some extent. Take care. bye bye
• United States
19 Mar 07
I would love to dirgaurd the money but that really isn't the whole reason behind why I am so mad at her. I can't seem to find a way to get ahold of her either to talk about it so it just boils me up inside. I guess I want her to know how it feels to struggle. It seems like everyone is alway giving her hand outs and when some one needs her help she turns away as if not to notice.
@nuenue (19)
• United States
17 Mar 07
it sounds like shes using you. of course i believe you shouldn't lend money your not willing to loss. and i think you lost it. unless you have a contract or promissory note from her about the loan you have no way of getting it back in court. you might get the disconnect fee for the phone but thats is. FISRT you need to get the phone turned off, pay the fee. there's no need to keep running up the bill. and don't feel to bad about it, i think almost every one has lent money to a "friend" and lost it. the worst is when they have kids, and you feel bad for them, but you have to toughin up. i learned that the hard way too.
@wisedragon (2325)
• Philippines
17 Mar 07
I suggest you end the friendship. She doesn't sound like a true friend anyway. She's too financially irresponsible and will keep on draining you to the last cent.
@Impervious (1147)
• United States
17 Mar 07
Note to self DO NOT LEND MONEY TO FRIENDS. It is a quick way to kill a friendship. Second whether it is by hook or crook take back YOUR cell phone. Then you have two choices keep it in service for yourself or disconnect it and pay the early temination fee. And while that is expensive it will probably be cheaper than to allow her to keep running up a bill that at some point she wont pay. As to the money that you have already given her I think that you might want to write it off. But DO NOT give her any more. I don't care if it is a dollar. I know that it sucks to have to write off the money but odds are you aint gonna see it again anyway. Good luck Note You may want to figure out exactly what she owes you and ask her to sign a promisory note. This way you have written proof that she owes you the money and if the amount is sufficient enough to take her to court to pay then at least you have something tangible that say's that she in fact owes you the money.
• United States
19 Mar 07
ok i would count it as a lose and i would tell her you are takin the cell phone out of her name. why should you have a cell phone in your name for her if she owes you money? if she was a true friend she would have paid you back. you might just have to count that as a loss and go on i really hate to say that. just tell her you don't have time for her to be playin games and when she wants to pay you back then you all can talk but until then you have no time for someone who wants to put a friend out like that.
@raydene (9871)
• United States
16 Mar 07
Years ago my Da said that if a friend asked to borrow if you could afford to give them money then give it with no expectations.If they someday got on their feet and repaid you great and if they didn't you haven't lost your friend. R
• United States
16 Mar 07
The only thing is I could at the time afford it and now I took a hit and she got a better job.
• Singapore
17 Mar 07
transfer the cell phone to her name... then it will be her problem even if the payment is late, not yours... or, take back the cellphone... after that, end the friendship... cuz you cannot even trust her to pay you back that little bit of money...
• United States
19 Mar 07
I wish it was that easy. She has to call to get it put in to her name and then It is over. The biggest problem is though is that she wont call them and she wont call me back.
@era2007 (80)
• Philippines
17 Mar 07
oh? thats not good..you need to talk to her if she refuses so you have the right to decide either you still be nice to her or just stop communicating with her its not fair for your to just stay with her as a friend if she dont show you some concern as your friend.. friendship is also like the other kind of relationship it should be give and take help eachother if you think you always give help and she never respect you i think its time for you to find a right friend.. you can still be friends but dont help her and give her another favor for her to learn. if she wont pay leave it to God.. you did you part as her friend... and if your friendship will be gone its not your lost but its hers.
• United States
19 Mar 07
Thanks I guess I will have to bite the bullet and pay for cancelation fees.
@ana1361 (98)
• Sweden
17 Mar 07
i think u should tell her that u r in a bad economic situation and she should pay u back .you should remind her again to not forget and that i dont want to bereak up my relatopn with u
@melody1011 (1663)
• India
17 Mar 07
she does not seem a lot like a friend to me. You would definetely be better off without her. First thing you should do is cancel that cell phone connection. Since it is in your name you should not have a problem. YOu better do it quickly before she runs up a large bill and then refuses to pay it. You will get stuck with paying off even that one. If you know anyone else that is close to her like her parents etc, you could consider approaching them and explaining your financial situation and that you really need to money you lent her. Also do you have any proof like check stubs or anything to prove you lent her money?? without that i guess it will be dificult for you to get her to part with the money as no one has any proof to the contrary. Its best you forget abt lending her any more stuff and stay the hell away from her for your own good.
@jhartana (1084)
• Australia
17 Mar 07
She is getting too far. She did not have any shame in using you as her umbrella. Now it's your turn you will need the money back. I know it sounds hard for you but you will need to ask her to pay you back. Tell her the truth that you really need the money, otherwise you would end the friendship. I would do that if I were in your shoe and I am going to end anything to do with her. You can also close your cell phone account so she can't use it anymore. Even she used to be your best friend, but things have changed and both you and her have gotten mature. She is still childish and still depending on you, you must manage to open her eyes widely so hopefully she would be able to understand. Now come on, you can't let her use you...now that I and others here in mylot have advised you what to do. Just do what you feel is right, but you must change your view towards her. Hope it would work and hope she could also understand you.
@ankurz (4)
• India
17 Mar 07
as far as friendship is concerned, it should be as transparent as u can keep it. thr can be 2 situations lets analyze them separately: 1) she herself might be in some kind of a financial problem n dont wana let u know. she feels u r a really close friend n thus can take some help. 2) she iss using ur friendship to earn a few more penny. u should first talk her down to make her open her views to u. u should be sure of her purpose. if u know that she is just using u, y do u need such a friend. coz in this case u aren't a friend for her, u r just a money bin. take care n best of luck with ur problem
@eseomame (1146)
• United States
17 Mar 07
In my opinion, she has no good intention for you in her heart judging from the inconsiderate things she does to you and therefore, should not be called your friend-- and not imagined your best friend. Tell her one more time hw much you need your money and if she still doesn't act as a considerate person shld, then you shld go far away from her. She's a demon!
@091185 (54)
• India
17 Mar 07
If really she's ur best friend then better discuss this matter with her instead of just ending up ur friendship and explain whole situation to her. If she is your true friend she will definitely understand you and help you out
• United States
17 Mar 07
First of all do not lend her anymore money, ever. Contact the cell phone company and cancel the policy or talk to them about what can be done. The friendship, imo, is over....no friend treats another friend that way. You deserve a much, much better friend.