Author Topic: What's your worst experience with someone who borrowed money from you?  (Read 10375 times)

Lira_FN

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Hi ladies,

Guada from Female Network here! I would just like to ask: What's your worst experience with someone who borrowed money from you?

No need to mention names! Best stories will be published in our site!

Happy sharing!

Guada

lonely_dad

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #1 on: October 04, 2017, 08:01:33 am »
hindi na nagbayad, tapos siya pa galit pag sinisingil
eventually di na nagpakita  :'( :'(

bluish_mommy

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #2 on: October 04, 2017, 09:10:35 am »
dalaga pa ako nung inutangan ako, nagpakasal na ako, nagka-anak na ako, tapos 2 na anak ko ngayon... waley pa rin bayad! :P :P

Miss Taken

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #3 on: October 04, 2017, 02:33:14 pm »
She borrowed 5k and said she will pay for it when she received their 13th month bonus. After 2 years of not giving back even 1 peso, she blocked me on facebook.
"Kiss me, and you will see how important I am."

scruffs

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #4 on: October 05, 2017, 08:56:00 am »
Yung pinsan ko nakigamit ng credit card. Nung una okay naman kasi nakakabayad on time, usually around P5,000 per instance. Then nung nabuntis siya tapos nakigamit ulit for the baby?s supplies, almost P10,000, ayun dun na nagumpisa. Ako nagbayad, nag1st-birthday na yung pamangkin ko, wala parin. Ang dami nagging excuses and promises. Andun yung kapag nagkatrabaho ang asawa, nung nagkatrabaho asawa, kapag daw naregular at natapos mga deductions, tapos bigla nakaaksidente yung asawa (bus driver kasi), hanggang sa ngayon magloloan daw para ibayad sakin. Hindi na ako umaasa. Hirap kapag tinext mo puro ?Ok? sagot, hindi mo alam ibig sabihin. Actually medyo okay lang tanggapin kasi pinsan ko, ang nakakairita yung asawa niya, parang walang ano sa buhay. Feeling ko pinagtitiisan lang siya ng pinsan ko for the sake ng mga anak nila.

plumpolka

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #5 on: October 05, 2017, 10:00:27 am »
nakisabay sa card, di ko naman alam nun na may record na pala sya sa iba kasi bago lang ako. e ok lang naman sakin kasi maliit lang naman. bibili daw sya camera para sa anak nya. around 6k lang. 3mos ata 0%. ang bait bait nya sakin kahit mga 40s na sya ako 20s lang nun. parang napaka-accomodating. tapos nung bayaran na every month, sino ka? kilala ba kita? sobrang pahirapan maningil. tipong iuutang pa nya sa iba may maibayad lang sya sakin. nung last month na ata, d ko na siningil. regalo ko na sa anak nya yun.
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Re: What's your worst experience with someone who borrowed money from you?
« Reply #6 on: October 14, 2017, 03:48:21 am »
MY worst experience, was lending money to help a family member.

Pag hindi ko sila pinahiram ng pera, mareremata yung bahay at lupa nila na nakasanla.  and this is 10-15 years ago. Nung sinisingil na, palaging paasa. Hanggang pati yung mga anak nila galit na sakin dahil hanap ako ng hanap dun sa tatay nila na me utang sakin. Ang sama ko daw na tao. edi wow.



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kvan

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #7 on: October 14, 2017, 06:00:42 am »
Meron akong distant relative na kapitbahay na gustong makigamit ng credit card ko to buy a washing machine. Babayaran daw nya ng hulugan sa akin. I said, "Ay mahirap pag hulugan kasi pano ang interest nun? Ang hirap ihiwalay nun sa personal purchases ko. Besides kako, company issued yung card so for company use lang dapat." I don't care kung sumama loob nya. Ang hirap kaya maningil.

"Do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own" ---Matthew 6:34

Rory_Lorelie_Gilmore

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #8 on: October 15, 2017, 07:18:51 pm »
Tons!

May "friend" kami ng Husband ko na humiram samin, hinde pa kami mag bf-gf haha, naging kami na, and ngayon married na until now di pa din bayad, ang sistema pa is, yearly ata nagtatry sakin humiram, never ko na sya pinahiram uli, hanggang sa detached na kami sa isa't-isa.

Another "friend" here abroad, humiram para sa roomate nya na walang pambayad ng rent and bill sa flat namin, nangako na babayaran next week, pinahiram namin agad-agad, since maayos naman sya kausap. Dumating na yung "next week" no update whatsoever, so hinayaan lang namin, after 10 days di na namin natiis nagtanong na kami, ang sagot samin is, ibibigay nalang daw nya samin pag inabot na sakanya nung roomate nya na nanghiram. Gulat kami, nagiba na usapan, di pa kami naisipan iinform. Nung araw na ng bayaran, kami pa yung parang habol ng habol, at sila pa yung tamad magabot samin, at pasuya pa nyang iniabot samin pera, dahil may bisita daw sya so parang naistorbo namin sya.  :o Well, pareho silang gipit na gipit, ang masasabi ko lang ay, hindeng hinde na sila makakaulit.

Di pa totally napapahiram tong "friend" na'to, pero isama ko na din, kasi ni ha ni ho walang kamustahan buong taon, tapos maalala lang ako pag mangungutang! Edi shing!  ;D

mysterioza_me

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #9 on: October 15, 2017, 11:42:04 pm »
Nagpahiram ako ng pera sa highschool classmate ko. Sobrang kulit niya during the time na nanghihiram siya ng money. Para lang tigilan ako I lent her a small amount and she promised to pay me after a month. Natapos ang 1month na pangako hanggang nagpalipas pa ako ng ilang weeks bago naningil. Sabi niya wala pa so I waited again and again yet puro pakiusap hanggang sa nagsawa na ako. Then I saw her posting pictures na nasa Boracay sila. Pagbalik niya ng city siningil ko siya. I told her baka naman may extra money na siya since nakapagBoracay na nga siya. Sabi niya nilibre lang daw siya kasama bf niya. I told her I don?t believe her. Then she offered me na kuha na lang ako ng gamit sa bahay niya para quits na kami. I told her pera hiniram niya kaya pera ibalik niya. She answered me ?Ang hirap mo naman kausap. Dahil lang sa ?x amount? nakilala kita.? OMG. Ako pa talaga ang nakilala niya dahil sa maliit na halaga to think na over a year na ang utang niya. Hay naku kaya kapag meron nagprivate message sa akin na matagal ng walang contact sa akin kinakabahan ako, 99% uutang yun (1% mag-aalok ng networking).

May officemate ako na every cutoff umuutang. Sumweldo pa lang kami ngayong araw then ngayong araw uutang din kasi kulang daw sinweldo niya. At first pinaghihiram ko siya alam ko naman sweldo ng normal na ahente pero na-promote na siya ganun pa din. In fact parang mas gipit pa siya ngayon compared dati. Inaral ko lang kilos pansin ko nung tumaas position and salary niya tumaas din lifestyle niya. Ako nung tumaas posisyon and salary ko dun ako natuto mag-ipon and mag-isip ng investment. I stopped lending her money since it became a habit na. Every cutoff ba naman akong utangan.
If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

ANJFinally

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #10 on: October 30, 2017, 05:23:59 pm »
Isang tao lang, si sil. :(

Ang hirap pa naman maningil kapag kamag anak because of the UTANG NA LOOB ganyan and kapamilya. Hindi pa kami kasal last year nung nakiusap samin manghiram, baon sa credit card. Ang sabi babayaran after 2 months, hanggang ngayon wala na. Nakalimutan na ata. Tapos ang makikita mo, kain sa high end restos, coffee sa mamahaling cafes, pasyal ganto. Hindi naman kami madamot, kaso iba kasi kapag umasa ka. Ang sabi kasi hiram, hindi hingi.

Now, nag decide mag abroad papunta dito samin, may work naman sya sa pinas at matagal ng plan ang pag punta nya dito by next month. Until last Aug month nung need na applyan ng ticket at visa, wala daw pera na ready. So ang tendency, kami ulit nag paluwal ng pang dagdag ng visa at ticket nya ang nakiusap yung isang kapatid. Sabi ibabalik daw ng end ng Aug, pero waley. Pagbalik nalang daw next month, but I don't know kung meron ba talaga kaming aasahan.

Again, hindi naman kami madamot kung ang gagamitin na term ay pahingi ng tulong, kaso kapag sinabi kasing pahiram at sinabi pang ibabalik din, syempre we're expecting for a return. Syempre hindi naman namin pinupulot ang pera dito. Wala ding message about dun sa mga hiram kung maibabalik pa ba or what. O baka nahihiya lang? Ewan. Basta biglang kalimutan nalang.

Might as well, sabihin nalang pahingi then we will give, tapos. Atleast wala din kaming expectations na may babalik paba samin or wala after. Overall amount ay nasa more or less 22K. Ang sama ko ba? Or kapag kamag anak ba talaga wala na tayong K na maningil talaga kasi it's automatic na tulong kahit ang usapan ay hiram? Hay Buhay.
« Last Edit: October 30, 2017, 05:28:39 pm by ANJFinally »

Rory_Lorelie_Gilmore

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #11 on: October 30, 2017, 06:09:29 pm »
^Personally Sis, kung parents or kapatid onsidered ko na yan na bigay talaga, unless malinaw na sinabing utang at hiram. SIL mo as in Sister ng Asawa mo ba? Or Asawa ng Kapatid mo? Kung Asawa ng Kapatid mo, ikaw ang kailangan kumausap at maningil, and kung Kapatid ng Asawa mo naman, I guess mas appropriate kung Asawa mo kumausap.

Ako nanghiram sa cousin ko one time noon, bukod sa on time ko binalik, tinubuan ko pa ng 10 % sa hiya ko and naisip ko para sa susunod na emergency, di sya mahirapan magpahiram uli.

Question lang din dyan sa SIL mo, magaabroad pala sya, bakit wala syang ready na pera? Meaning expected nya kayo talaga magshoulder ganon?

ANJFinally

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #12 on: October 30, 2017, 06:40:29 pm »
^^sis, sister ni husband. As in panganay na ate. Si husband nahihiya. Mas lalo ako. Haha! Kesyo marami daw binigay sakanya ate nya dati sakanya. Oo alam ko naman yung mga panahon na yun. Kaya dun pumasok yung thinking ko na utang na loob sis. Nahiya ang asawa ko. Pero ang linaw kasi ng sabi samin last year, at alam pa nilang ikakasal kami ng December and alam nilang kami lang ni hub ang nag ipon para sa wedding namin. Parang nanghiram around MAR-APRIL last year, and nag message pa ng JUNE na "yung utang ko ibabalik ko din sa july ha? Thank you" yun na yung last, wala ng kasunod na update until now kaya isip ko nakalimutan na or TY na talaga.

Then now, yung pag punta dito, may personal issues kasi sya sa asawa, matagal na panahon na. Then ang decision nya, mag abroad. Pero planado ang pag abroad nya. Ang sabi nya samin parang Q2 of this year, sasagutin lahat ng husband nya ang expenses papunta dito. Until nag August need na i process ng documents, ewan namin kung ano naging usapan nila ng asawa nya, tapos siguro wala din syang ipon, as in walang pangbili ng visa at ticket. Maiiwan sya sa Pinas. Eh gustong gusto nya sumabay sa pagbalik dito next month ng isa nilang kapatid, so walang choice. Nakiusap samin si other kapatid na pabalik dito kung pwede kami muna sumagot ng half ng expenses sa ticket at visa. Sabi sya daw magbabalik by end ng August kapag kuha ng leave salary. So far, wala parin November na. Sabi pag balik daw next month, huhulog hulugan. Aww!

Minsan naiisip ko ang sama ko. Pero sila din kasi nag bigay ng reason para mainis ako. Kung sinabi nilang pahingi, edi hindi sana ako / kami nag eexpect na maibabalik at kinalimutan na namin yun.

Rory_Lorelie_Gilmore

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #13 on: October 30, 2017, 07:03:49 pm »
^I don't think masama ka, ako kasi din pag pinangakuan, umaasa ako, mas mabuti pa sabihan na "pahinge ng tulong" madami-dami na din ako nabigyan ng "tulong" alam mo naman satin, pag OFW ka mga kamaganak, kaibigan at kakilala, hihiram sayo 1k ganyan, 500, 2k, alam ko na yun pag ganyan, basta sakin una ok, since naniniwala din naman ako na dapat share ang blessings, pero mga susunod, hinde na unless kusa ko maisip na magbigay, may pagka-generous ako Sis, haha yan pa isa rason bakit di ako yumayaman at nakakainvest pa, pero iba na lately, kaya nagisip na din kami ng investments, insurance and property, para talagang may fixed na bayarin, wala na extra. May puntahan na talaga ang income.

Hmm, medyo awkward nga magtanong no? Pero I guess kung umabot ang January at wala pa, pwedeng pwede na kayo maningil haha, mag 1 yr na.  ;D Ask politely nalang, iwas gulo.


mysterioza_me

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #14 on: October 30, 2017, 07:14:41 pm »
Nasabi ni husband na marami din naman naibigay si SIL dati kaya nahihiya siya maningil. Kung sa akin di na ako aasa or maniningil pa parang pambawi lang sa naibigay before pero hinding-hindi na sila makakaulit kahit sa halagang piso dahil yung pera kikitain ko pero yung tiwala sa kanila hindi na mababalik.
If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

three8one

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #15 on: October 30, 2017, 07:21:37 pm »
mahigit dalawang dekada na ang lumipas eh naaalala ko pa din yung hiniram sakin ng kaibigan ko. gagamitin daw nya pambili ng personal na gamit sa pag aabrod dahil in a week daw makakaalis na. naniwala naman ako kasi makaka alis na nga daw eh. a day after ko inabot yung pera kinagabihan birthday pala niya, nakuha pa mag pa inum sa mga iba naming kaibigan parang birthday celebration and despidida. masaklap lang wala naman pera pero nagkaron ng party at ang masama pa hindi pa ko naimbitahan sa okasyon(echos lang... haha!) hindi ata natuloy mag abrod yung kaibigan ko.. huling balita ko noon Qatar-man Samar lang inabot. hehe.

minsan lang talaga kung sino pa yung nagpahiram sila pa yung tipong nahihiya maningil, kasi baka kesyo maka abala ka ng buhay ng may buhay o kaya baka may pinag dadaanan na hindi pa nalalampasan.. lahat ng pang unawa na pwede ibigay ng nagpapautang sa nangungutang naibigay na sadyang marami lang talaga makakapal.
.... apart from You i can do nothing.... but with God nothing is impossible...therefore, I can do all things through Him who gives me strength.
 
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mysterioza_me

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #16 on: October 30, 2017, 07:35:28 pm »
^Diyan ako asar yung uutang pambisyo. Pati yung mga manganganak na tapos iuutang panganganak gigil na gigil ako LOL.

If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

three8one

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #17 on: October 30, 2017, 08:33:30 pm »
^ panganganak? pwede mo siguro sabihin na noong ginawa nila yung bata hindi ka naman nila sinama tapos ngayon may problema sa panganganak kasama ka na.. malamang strategy yun, kasunod ng pangungutang kukunin kang ninang. haha! ang sistema I awas mo na lang daw paunti unti sa utang nila yung iaabot mo para sa bata.  ;D
.... apart from You i can do nothing.... but with God nothing is impossible...therefore, I can do all things through Him who gives me strength.
 
John 15:5
Matthew 19:26
Philippians 4:13

Rory_Lorelie_Gilmore

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #18 on: October 30, 2017, 08:50:45 pm »
^Lol  sa di ka naman kasama nung ginawa yung baby tapos kasama ka na sa panganganak.   ;D

mysterioza_me

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Re: What's your worst experience with someone who borrowed money from you?
« Reply #19 on: October 30, 2017, 09:02:41 pm »
Kaya nga e nag-enjoy sila ng dalawa lang sila, di man lang nagtawag tapos sa gastusan damay-damay lahat.
If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

 

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