Lent a friend a credit card :(
Lent a friend a credit card :(
Author
Discussion

gtidriver

Original Poster:

3,717 posts

217 months

Tuesday 6th June 2017
quotequote all
Before i start yes i know ive made a mistake..please go easy.

I lent my so called good friend my credit card. Every payment was made up until the friend was sent down for nasties towards two of his family members. As he is in prison now, and hopefully he will spend quite a while there, can i still put a claim against him?
His daughter paid one payment and has got stty with me as its not her debt even though she said she would pay it, i went to visit the ex friends wife and was warned off via text from the daughter that she will contact the police for harassment, this doesnt bother me as ive done nothing wrong.
Even though he borrowed the money would his wife be liable as she used it as well, it paid for flights?
Any advice appreciated. £500 was the outstanding debt. £450 now owing. I could just pay it off but why the hell should i pay for somone elses bloody holiday.

curlie467

7,650 posts

231 months

Tuesday 6th June 2017
quotequote all
No. You're a tit, just pay it off and move on.

SystemParanoia

14,343 posts

228 months

Tuesday 6th June 2017
quotequote all
Do you have anything in writing ?

Also, never lend money to anyone that you want to continue being civil with.
instead point them to Wonga et al ... that what they're for.

HustleRussell

26,567 posts

190 months

Tuesday 6th June 2017
quotequote all
Jesus Christ.

gtidriver

Original Poster:

3,717 posts

217 months

Tuesday 6th June 2017
quotequote all
SystemParanoia said:
Do you have anything in writing ?

Also, never lend money to anyone that you want to continue being civil with.
instead point them to Wonga et al ... that what they're for.
credit card statements from purchasing of flights and around 12-14 monthly payments. also text messages from the daughter agreeing to pay £50 a month.

JulianHJ

8,871 posts

292 months

Tuesday 6th June 2017
quotequote all
Write it off. Never lend what you can't afford to lose.

grumbledoak

32,571 posts

263 months

Tuesday 6th June 2017
quotequote all
curlie467 said:
No. You're a tit, just pay it off and move on.
^^^

loskie

7,112 posts

150 months

Tuesday 6th June 2017
quotequote all
you are even daft enough to admit it and post a question on here. What did you think would happen?

daemon

40,169 posts

227 months

Tuesday 6th June 2017
quotequote all
grumbledoak said:
curlie467 said:
No. You're a tit, just pay it off and move on.
^^^
+1


Wacky Racer

41,363 posts

277 months

Tuesday 6th June 2017
quotequote all
Think yourself lucky you have got £50 back..smile.

Your fault for being foolish, (it does happen).

Just pay up and move on.

TimmyMallett

3,197 posts

142 months

Tuesday 6th June 2017
quotequote all
Lending your card to someone and disclosing your pin will have breached your card issuers terms and conditions.

You won't be be able to claim anything off anyone legally.

gtidriver

Original Poster:

3,717 posts

217 months

Tuesday 6th June 2017
quotequote all
TimmyMallett said:
Lending your card to someone and disclosing your pin will have breached your card issuers terms and conditions.

You won't be be able to claim anything off anyone legally.
no pin given, he wanted to visit relatives in the states and i was just being a friend.

hornetrider

63,161 posts

235 months

Tuesday 6th June 2017
quotequote all
450?!

Think yourself lucky they didn't run up some proper debt. Write it off, move on.

TimmyMallett

3,197 posts

142 months

Tuesday 6th June 2017
quotequote all
How did he spend? Just online? Either way, you could find yourself in hot water if your card company find out you have it to someone else.

If the bills were racked up in the states and they find out it wasn't by you, you may find they'll close your account. It's still breach of terms.

gtidriver

Original Poster:

3,717 posts

217 months

Tuesday 6th June 2017
quotequote all
TimmyMallett said:
How did he spend? Just online?

He paid the airline online with it.

gtidriver

Original Poster:

3,717 posts

217 months

Tuesday 6th June 2017
quotequote all
TimmyMallett said:
How did he spend? Just online? Either way, you could find yourself in hot water if your card company find out you have it to someone else.

If the bills were racked up in the states and they find out it wasn't by you, you may find they'll close your account. It's still breach of terms.
H e never had the card, that stayed with me.

daemon

40,169 posts

227 months

Tuesday 6th June 2017
quotequote all
gtidriver said:
no pin given, he wanted to visit relatives in the states and i was just being a friend.
Genuinely - do you not feel like a bit of a hassling his daughter and wife for the money? I'm sure they've a lot bigger problems to get through at the minute.

Be the bigger man, write it off and move on.

gtidriver

Original Poster:

3,717 posts

217 months

Tuesday 6th June 2017
quotequote all
daemon said:
Genuinely - do you not feel like a bit of a hassling his daughter and wife for the money? I'm sure they've a lot bigger problems to get through at the minute.

Be the bigger man, write it off and move on.
No i dont feel like a hassling his daughter or wife. She said she would pay the debt.

gtidriver

Original Poster:

3,717 posts

217 months

Tuesday 6th June 2017
quotequote all
hornetrider said:
450?!

Think yourself lucky they didn't run up some proper debt. Write it off, move on.
I only had a £1500 limit on the card, i reduced this down to £700 at the beginning of the year.

gtidriver

Original Poster:

3,717 posts

217 months

Tuesday 6th June 2017
quotequote all
Wacky Racer said:
Think yourself lucky you have got £50 back..smile.

Your fault for being foolish, (it does happen).

Just pay up and move on.
Not foolish, just helping out a at the time really really good friend. Obviously if i had know he was a kiddie fiddler i would not have leant him anything.