I was very upset as one of her neighbours which I knew from her liked me and visited me , looks like my friend discussed with her my financial issues and before she left son her first visit she she left me 100 as a help which I refused but she insisted me to have. Next time she visited me with her family she also left 100 which I refused strongly and said last time I will accept this I do not ant a help and refused her offer to help me in the deposit for a house . In the nest week I saw her son and he started telling me that he needs his mums money back or he will go to the police I was shocked so I went back and gave him his mums money back. But this stressed me despite his sister sent me an apology letter for his strong behaviour and his worries about his mum as she felt that she should help me despite I never asked for help. This really worried me and upset me so I decided to return all the money my friend used to help me with in the last year as I always help her , read her emails , pay her bills where she gives me money at the same time to pay and return for her the receipt as when she used to go to the bank and withdraw her money I used to go with her because she trusts me and the lady at the bank gives her the money in patch of 20's and 10's to know and count the amount when she is paying money to other people. She uses to withdraw large amounts not to go each month. I am a full time worker and earns a high salary but all goes rent as my credit rating can not be accepted to rent privately so I fear to move and this is why my friend helped me as she used to say you always helps me and look after me. Iam so stressed in case all this to be misunderstood despite my friend is in her full mind and always say I never asked her for money she wants to help me. My concern she is getting very old now and I need to protect my self as my intention was never ever to take money even if she did not I will always help her.
Have I done something wrong , what will happen if i was questioned about the money, is the loan agreement between us verifies the money she gave me . The lady was in her full mental capacity when she used to give me the money. Do I have to report the money i took despite it is now agreed as a loan to tax revenue. I am so stressed about this
She always refuses even for me to return the money , is it better if I can record our conversation on this as she is partially blind. I do not think she will change her mind as she said that Martin the neighbour is mentally ill and I should not listen to him and he overheard her saying this. The money is paid direct debit monthly to a bank account she finally gave me and a copy of the statement order I managed with my bank with the copy of the agreement in her locked saved cabinet.
Are you saying that the loan agreement will cover this I can get a witness to verify this.
I am paying it the payment will start from tomorrow and as I mentioned I have set up a monthly standing order for these payments to go on monthly terms.
Can I video a conversation on the mobile as she always say to me you are stupid you are doing this the money I gave you was a gift and help.
Shall I get a witness to sing the agreement after I read it again for her.
I am really not sleeping from this despite I do not think she will change her saying
Thank you for this
Tomorrow I am going to read the loan in front of her carer and let the carer sign as a witness on my paperwork
so you are saying that if loan agreement is there and I am paying back her the money monthly then I am legally protected bearing in mind that her GP tested her mental capacity and made her a dementia test and she passed.
I am a loan to pay all the loan agreement also the friend who cares signed the agreement as a witness , will this be now over as I can not sleep from my worries . My intention was not to harm the lady always insisted that she is helping me and the money was not taken as a lump sum . I am so stressed about this and can not sleep for the whole story to be misunderstood. I have learnt a big lesson in my life as I was not aware of such things all I thought that the lady is in her full mental capacity and everybody knows that she is very keen on her money.
Thank you so much for your help I am paying it all now to take this out of my life as it really stressed me so much. I even today opened the loan discussion in front of the carer and said I need to pay it all back next Tuesday and cancel the monthly standing order . She said I do not know why you are repaying keep them they were a gift but I insisted I do not need her help to support her I will always help her when I can.
This drama really made me a near nervous breakdown again you were very helpful many thanks for your help in this. Your advice worth the money I paid.