Have you ever lent money to anybody? If so, then you must know how difficult it can be to ask for your cash back. While it’s great to lend a helping hand to someone in need, it can be very frustrating if the other party won't fulfill their end of the bargain.

Our GirlTalkers know exactly how hard it can be, and below are their cautionary tales. Of course, this shouldn’t deter you from reaching out to a loved one in need. Use them to help you strategize a proper way to collect that’s convenient for both parties.

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"Hindi na nagbayad, tapos siya pa galit pag sinisingil. Eventually 'di na nagpakita." - lonely_dad

"Dalaga pa ako noong inutangan ako. Nagpakasal na ako, nagka-anak na ako, tapos dalawa na anak ko ngayon... Waley pa rin bayad!" - bluish_mom

"'Yong pinsan ko nakigamit ng credit card. Noong una okay naman kasi nakakabayad on time, usually around P5,000 per instance. Then noong nabuntis siya tapos nakigamit ulit for the baby's supplies, almost P10,000, ayon doon na nagumpisa. Ako nagbayad, nag-first birthday na 'yong pamangkin ko, wala pa rin. Ang dami naging excuses and promises. Hirap kapag tinext mo puro 'Ok' sagot, hindi mo alam ibig sabihin." - scruffs

"Nakisabay sa card, 'di ko naman alam noon na may record na pala siya sa iba kasi bago lang ako. Eh ok lang naman sa'kin kasi maliit lang naman. Bibili daw siya ng camera para sa anak niya. Ang bait-bait n’ya sa 'kin kahit mga 40s na siya ako 20s lang noon. Tapos noong bayaran na every month, sobrang pahirapan maningil. Tipong iuutang pa niya sa iba may maibayad lang siya sa 'kin. Noong last month na ata, di ko na siningil. Regalo ko na sa anak niya 'yun.” – plumpolka

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"She borrowed P5,000 and said she will pay for it when she receives [her] 13th month [pay]. After two years of not giving back even one peso, she blocked me on Facebook." - Miss Taken

"My worst experience was lending money to help a family member. 'Pag hindi ko sila pinahiram ng pera, mareremata 'yong bahay at lupa nila na nakasangla. And this is 10-15 years ago. Noong sinisingil na, palaging paasa. Hanggang pati 'yong mga anak nila galit na sakin dahil hanap ako nang hanap doon sa tatay nila na may utang sa 'kin. Ang sama ko raw na tao. Edi wow." - freiavida

"Mayroon akong distant relative na kapitbahay na gustong makigamit ng credit card ko to buy a washing machine. Babayaran daw niya nang hulugan sa akin. I said, "Ay mahirap 'pag hulugan kasi paano ang interest noon? Ang hirap ihiwalay noon sa personal purchases ko. Besides 'ka ko, company-issued 'yong card so for company use lang dapat. I don't care kung sumama loob niya. Ang hirap kaya maningil." -kvandehaak

"Noong araw na ng bayaran, kami pa 'yong parang habol nang habol, at sila pa 'yong tamad mag-abot samin. Pasuya pa niyang iniabot sa amin 'yong pera, dahil may bisita daw siya so parang naistorbo namin siya." - Rory_Lorelei Gilmore

"May officemate ako na every cut-off umuutang. Sumweldo pa lang kami ngayong araw then ngayong araw uutang din kasi kulang daw sinweldo niya. At first pinahihiram ko siya—alam ko naman sweldo ng normal na ahente pero na-promote na siya ganoon pa rin. In fact, parang mas gipit pa siya ngayon compared dati. I stopped lending her money since it became a habit na." - mysterioza_me

"Ang hirap pa naman maningil kapag kamag-anak because of the UTANG NA LOOB. Hindi pa kami kasal last year noong nakiusap sa'min manghiram, baon sa credit card. Ang sabi babayaran after two months, hanggang ngayon wala na. Nakalimutan na ata. Tapos ang makikita mo, kain sa high end restos, coffee sa mamahaling cafes, pasyal [sa] ganito. Hindi naman kami madamot, kaso iba kasi kapag umasa ka. Ang sabi kasi hiram, hindi hingi." - ANJFinally

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"A friend of mine (a friend who most of the time sends you messages [only] because she needs something), she is a single mom by the way, sent me an FB message. She initially borrowed money from me and was able to pay in a week… So okay kasi nagbayad siya...pero nangutang uli siya and until now 'di pa rin bayad. She’s giving reasons na nag-away-away na raw sila ng fam niya at lumayas na daw sila ng anak niya sa bahay ng mom niya etc. I really want to [empathize] pero I need the money na rin... stress." - naizlabonita

Got your own story to share? Head over to our GirlTalk thread on the topic and your and tell us about it!

*Minor edits have been made by the editors for clarity

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