Friggin' deadbeats.
The trick is easy. Because it's you. Sure, they seemed to be a
friend. They were nice but always in some kind of trouble. They
never had a good paying job. Just scraped by. It's a good thing you
were there when they were in need of a loan. But you didn't think
enough to get them to sign a paper saying you loaned them the money.
Now they won't pay you back. What's a person to do?
Read on....
[RG note: Always, always, get loans in writing!]
Revenge Guy's archived advice. Let's
get revenge on... |
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Dear Revenge Guy,
About 10 months ago I lent some friends from out of state $2000.00.
The loan was for their mortgage and car payment. The one friend
"Tina" I have known for over 10 years. Her new husband "Tommy" was
the one that convinced me that they were good for it. And "Tommy"
told me he did not want to ask "Tina's" parents, because it was
embarrassing.
"Tina" guaranteed
they were good for it. Besides, they own a house in a lake
community, have a boat, large screen plasma t.v, both have good
jobs, blah blah blah.
So, they kept
giving me the runaround forever.
Kept telling me
they had checks in the mail, only for me to send off MY bills
thinking that I was going to receive their check. Which I never did!
And had late fees on bills too.
I'd call and call
and call for weeks until one of them would answer and say they were
sorry sorry sorry, they have had a bad financial situation and never
got my messages. Yea right. I finally decided, enough was enough. I
gave them an ultimatum and the time came and passed. What is your
suggestion?
Thanks X 1000!
Mike
Hi
Mike,
I certainly hope that you got this loan in writing. Then sue them.
They know to ignore you to easily avoid you, so make a legal case
out of this.
If you don’t have the loan in writing now is the time to do it. Or
get a recording of them on the phone agreeing to make payments.
Then send them a
polite letter with repayment terms spelled out on it. You’re
starting over to collect your money, etc...
Get their
signatures on it and try to start collecting again.
Once they miss
their payments again then you will have a legal basis to sue them
and ruin their credit rating, should they have one left. It's true
though, people that make a lot of money spend even more, no savings,
nothing to fall back on except for friends that make a lot less but
have money in the bank.
Teach them a legal and financial lesson, that is what you must do.
It may mean waiting a little longer for your money, but the option
is kissing it goodbye forever.
Not a great choice of options here.
Dear Revenge Guy,
I'll tell u the whole story if it means you can give me some direct
help!
This past February I was briefly involved with this guy. It was very
whirlwind! He convinced me to invest some money... it was $1000.
Afterward he said he had a "car accident" and I didn't hear from him
again. I called and called and I finally got him. He told me he was
in the hospital. I got soft and felt sorry for him. Then he stopped
answering my calls. I got a friend to call and guess what... he
called her back (of course I heard).
Anyways, I put in a police report which they said I had to ask for a
"demand for payment". I e-mailed this to him because I didn't know
his address (and he doesn't know my exact one either). He called
back and denied the whole thing and said it's my word against his...
I called him several times and it will look like harassment on my
part.
I had the receipt of the withdrawal but the police said I can't
prove anything because it was freely given and I did not make him
sign a receipt.
So you see revengeguy, I have no other recourse but to plan revenge
so that I can get this out of my system and move on!
Help me please to do this in the most effective and final way!
Hey the other information I do have on him is his e-mail, his cell
number and his license place number... tell me how I can use these
in my revenge!
Thank you in advance!
Cathy
Hi
Cathy,
I feel your anguish!!
First with his email, (don’t do these things from your home/work
computer go to your local library or an internet café!) place some
online ads for stuff for sale cheap, roommates wanted, gay sex,
whatever you can think up.
Include his email,
and his cell phone number so he gets a lot of calls.
Put up posters too, around places like grocery stores, wherever they
allow public [postings. Create posters of work needed, roommates
wanted, whatever you like.
Just keep his cell phone really busy.
After a while,
since time has passed already... call him using RevengeCall.com,
which allows you to change your voice and the caller ID for the
phone, so you can talk about the money... start off with "Hey, how
are you? I've been thinking about you (be friendly, that will make
him drop his guard) ..." and go from there. Casually mention the
money you loaned him... all he has to do is agree that he loaned you
the money and with RevengeCall.com, because you can record the call,
you now have proof to sue him for the money, have the police take
action, everything you need to complete your revenge.
You’ll get your thousand dollars back by his torture and need to
change his number!! Or by suing him and having the court take the
money from him!!
Dear Revenge Guy,
How do you get revenge on someone who owes you money, and they know
it, but refuse to pay you back?
Thank you!
Jenn
Hi
Jenn,
The best way is to send them a letter that says PAY ME and add a few
dollars to what they owe you.
If they owe you $200.00, in the letter say it’s $500.00
If they owe you $2,000.00 make it $2,800.00
Along with the letter include an envelope that is already addressed
to you, complete with stamp. Most people will write back and say
it’s not $2,800.00 I owe you, it’s only $2,000.00.
Then you have a legal debtors note that you can use to sue them in
court.
Otherwise, hassle them with letters, phone calls, emails, until they
somehow respond with an email or recorded message that you can also
take to court.
You'll need to be
tricky to get the evidence to sue them, but that's the right way to
go.
Good luck!
Dear Revenge Guy,
So I am INCREDIBLY angry right now.
I loaned (who I
considered a good friend) $3200 in October of this past year because
he had just lost his source of income and couldn't pay his bills and
his final month's rent. We signed a promissory note, and he promised
to pay me back in a month (Nov. of 2006.)
Long story short,
he continued to jerk me around. He paid $1000 a few months ago, but
still owes me $2200. I finally threatened to take him to court and
he is supposedly sending me a check tomorrow, plus any late fees,
but we'll have to see about that.
During this 6 month
expanse of time, he supposedly didn't have the money to pay me back,
yet still managed to find the money to vacation to not only the
Virgin Islands, but Puerto Rico as well... and plans on taking a
trip next month to Germany. He also owns a Rolex. He obviously isn't
lacking money, just the decency to pay me back what he owes.
He's socially
awkward but thinks he's impressive because he has money and uses the
internet to meet girls because he lacks the social skills to meet
them under normally (face to face.) I want SERIOUS revenge.
Got anything inspirational in mind? :)
Hi,
Honestly, if the next check is bad, head straight away to the
courthouse and sue him!
After that, I’m not sure what to do because of the lack of details.
Does he work? Play? Hang out regularly somewhere?
We you romantically linked?
Can you find him online and set up him with a bunch of fake dates?
(Hehe, if you could then I’d have a message waiting for him at the
date place saying “Changed my mind about dating you LOSER!”)
Send him a letter seemingly from the Homeland Security Department
saying he’s been placed on the “No Fly List” and they want an
interview with him.
You get the idea.
Dear Revenge Guy,
So here it is:
I help these people out, down on their luck with giving them over
250 man hours of work at $10.00 per hour, move them into a great
rental apartment with no security deposit (they have a kid and I
felt so bad for them that I paid the deposit), offer them furniture,
exercise equipment etc., and give them advice for everything they
throw my way.
The owners sell the
building they are living in and within 30 days the state comes and
checks them out for child abuse and/or drug making. Not sure which,
but I was more than surprised. I paid their security deposit for
them, with the agreement they would make payments back to me.
Well upon the
police jumping their home, they figure I called on them. Mind you, I
have nothing to benefit, and truly, don’t think anything is going
on. The new owner wanted them out, plain and simple. They had
designs on the place. Now, they won’t talk with me – flat out told
me to f*** off today, yet they got their security deposit back from
the new owner (mind you, I paid it). I want to give it back to them.
They know I didn’t do it, they just don’t want to pay the money
back. What do you suggest?
Good Gal Made Mad
Dear
Good Gal,
Send them a letter stating that they owe you double the amount.
Include an envelope that is already stamped and addressed to you.
When they right
back with a letter that says what they really owe you, it’s all the
evidence you need to go to court with.
Unless, of course,
you already have such a document for the loan you made them.
Take then to small claims court.
Fast!
Dear Revenge Guy,
Okay, this revenge issue is twofold. Here's the story. I have a
friend, excuse me had a friend who's name is Fred, and we dated
for a while in the past and then I went away to school, but we
stayed friends. I moved back home and we kind of flirted but he
was with someone so we just kept it platonic. Anyway, he owns a
liquor store, well he owns one and his family owns several, and
he also does work on houses on the side. so anyway I was
remodeling my house and I figured that he was the perfect person
to do it. He ended up subcontracting the work for my kitchen to
a friend of his. His friend Julian is Hispanic and he did a
beautiful job making me custom built oak cabinets. For almost a
year I was paying my so-called friend money for the cabinets and
nothing seemed to be getting done. Allegedly they were being
worked on. He probably got a total of $2,000 out of me. Then (I
sell real estate) I closed a really big deal and decided that I
was ready to move into my new house and I asked him how much it
would cost in order for my basement to get finished and the
kitchen cabinets. He told me $6,700.00, labor and materials. I
gave him the money. $1700 in cash, (Julian, the Hispanic guy
allegedly only took cash, which I found out later wasn't true)
and I gave him a cashiers check made out to him ( Fred) for
$5,000. Well anyway, a friend of his parents both died a week
and a half apart and he went out of town for almost a month
total to help his friend. When he came back his mom had heart
surgery and one of his employees at his store was out of town so
he was working nonstop. So I was trying to be understanding and
patient. Anyway, long story short he picks a fight with
literally me for no reason one day and then we stop speaking
while he has all my money. The kitchen got almost, almost done
and I find out that he gave Julian a thousand dollars and never
gave him any more money. So now Julian is sweating me to pay him
and Fred lied to him and told him that I never gave him any
money at all. So Julian has a key to Fred's house and he wanted
us to talk to Fred together face to face, so we went over there.
Fred lives in this loft above the bar that he owns, anyway, we
go in and Fred sees us on the security camera so he refuses to
get off the phone and talk to Julian because I am there. Me and
Julian go wait downstairs in the bar and I see that Fred's car
keys are on the other side of the bar out of the security
camera's view, so I take his keys, which go to his truck, the
bar, the liquor stores, his kids mom's house, his parents house,
basically his whole life. So he calls me later asking if I have
them and I say if he has my money I have his keys, but that he
cant have them back until I get my money. Well, my mom starts
pressing me to give the keys back saying that I need to hot piss
him off in case he does something to my house or my truck or
whatever. So I go to his house and I give him the keys in
exchange for a check for 3,000. He was allegedly going to give
me the rest later. And the next morning I go to the bank and the
check is no good. So I go to the liquor store and he screams and
yells at me and basically says, "fuck me" he's not paying me. So
I'm sure by now you're thinking sue him. well, the thing is, I
was moving into my new house and I have no idea where my copy of
the cashiers check is. I tried to go to the bank and get a copy
and from looking through their books with a teller and a manager
it appears that a whole batch of cashiers checks are missing
including the ones that I wrote around that time. So I have
nothing to go to court with. Now I discussed this entire
scenario with my two-faced cousin and I even thought about
photo-shopping a new cashiers check and making a copy of it to
take to court. (totally illegal I know) anyway, my
cousin/ex-best friend has the audacity to call Fred and tell him
that I lost the cashiers check. (she's a slut I think she's been
trying to sleep with him) anyway, so he knows I don't have the
check and all I have is the bad check that he wrote me for
$3,000. I looked at the website and I thought that nothing
seemed fitting to cover almost $9,000.00 worth of revenge and I
don't have a case that will stand up in court. he has no grass,
so I cant spell out thief in it and besides both his house and
the liquor store are covered in cameras. I thought about the
coupon thing but their liquor store is like the ghetto type
where they make a ton of money but they wouldn't have the type
of customers that would like complain to the BBB or anything
they would just gripe and leave. So now I'm screwed for an idea.
PLEASE HELP ME!!!!!
Hi,
First off, take a breath.
I’m sure you’ve been sweating this a bit but seriously, you sell
real estate and didn’t have a contract with this guy, even if he
was a friend?
And you paid
him in advance for the whole job after he took a year to finish
the first job you gave him to do?
Slow down and let’s get professional about this whole thing, OK?
First off:
You have the $3000.00 bad check.
Sue him over that.
As far as anything else, I’d just create a bunch of 50% off
coupons for purchases at XXX liquor store and let him sweat that
out.
And from now on, anything that includes any sum of money, get it
in writing!!
And put that writing in your safety deposit box right away!
Hi
RG,
My name is Johnny and I have a long-time friend who's been owing
me quite a lot of money I lent him on several occasions for
petrol about six months ago now.
He tells me he
can't afford it at the moment but then he soon spends the amount
he owes me, or more, on a new set of brake discs for his car or
something.
Quite frankly
he's been a bit of a knob since he got with his whore of a
girlfriend anyway, I haven't seen or heard anything from him for
quite a while now and whenever I try getting hold of him he
never bothers getting back to me, he only seems to bother with
me when he wants something. I need to finally stand up for
myself, how can I teach him not to take advantage of me again?
Thanks,
Johnny
Hi
Johnny,
Just stand up for yourself.
The next time you see him hand him a written bill showing all
the money he owes you and from when.
Have him sign it.
Then tell him to start paying you apportion of it every week or
you’ll take him to small claims court.
To prove your case all you’ll need is the written note you now
have.
And then stop taking his calls unless he has cash in hand.
