How to get my money back from a (wealthy) friend.

https://www.boards.ie/discussion/comment/118555735#Comment_118555735

What are you babbling about?

€50k savings is hardly minted.

OP,

What bank was giving you 1.35% on 3 €5k lump sums?

https://www.boards.ie/discussion/comment/118555942#Comment_118555942

3x €15k

and BOI at least were offering upwards of 1.04% interest on deposits up to €10k (granted for 7 years maturity). It’s not unimaginable the OP worked with his bank on an attractive offer - but by the end they’d reduced it to .5% according to their thread so.

edit: ^ back in 2019*

https://www.boards.ie/discussion/comment/118555566#Comment_118555566

Fair point and a good question. Here is my answer - I wrote that in my text message to Jamie explaining why I need my money back. It probably wouldnt have been wise to write "Hey, Jamie, listen, I have 50K in my bank account locked for 2 years cos of the savings contract restrictions so I can't touch it. I am not really starving in here either but can you return my E500 to me when you have a chance?"

you could have told us that. the impression here was you were broke

I shouldnt have to justify to him why I need my money back or list all my bills and obligations but I thought that mentioning Christmas in the text right after the festive time past would speak to him a little better as we all can probably relate to it. It didnt work with Jamie.

With that text message I must have also put some doubts in some people about the real need of my money. If a wealthy person lends somebody E50, they will have a hard time explaining why they need their money back, but in fact they dont need to try to justify it at all.

you do not have to justify it to Jaime but you could have told us the real situation. Saying you had no money after loaning 500 but had 50k looked odd

Anyway I'm out

https://www.boards.ie/discussion/comment/118556005#Comment_118556005

I think you’re missing an important details in fairness

50k in a fixed term account. The OP can’t just do a quick transfer to their current account. That money might as well not exist for all intents and purposes and it’s completely unfair to assert the OP is lying about being broke when he has money locked into a term account.

its like saying “you own a house sure you’ve loads of money”, yeah, if I sell my house. But you can’t sell your assets or break the deposit term for a post Christmas bill.

that’s the key here - €50k in a fixed term deposit account so it’s irrelevant until the term ends.

https://www.boards.ie/discussion/comment/118555946#Comment_118555946

Seriously, wtf is the purpose of this post? The OP knows the exact answer. Don't you believe them?

Pro-tip... no need to express EVERY thought that comes into your head.

https://www.boards.ie/discussion/comment/118556055#Comment_118556055

I didn't say op was lying. I said he could have told us that even though he didn't want to tell Jaime as he said he wanted to see m broke to Jaime

https://www.boards.ie/discussion/comment/118556332#Comment_118556332

Okay but do you not also see how it’s an irrelevance?

it’s a fixed term deposit he cannot spend that money. Whether he’s to be considered broke or not is the balance of his current account.

and I have to say - in my life when I’m low on funds I’d say “ah I’m broke” with no regard to savings cos they don’t really come to mind unless it’s actually a dire situation. In fact on numerous occasions I ran into a short week during a period of waiting for a fixed term account to mature & it was of no use to me. I had money, technically, but it wasn’t money I could spend right now so I was for all intents & purposes broke.

just playing devils advocate here I guess.

Op, just turn up at his gaff and blast him with piss through his letterbox.

https://www.boards.ie/discussion/comment/118556409#Comment_118556409

Okay but do you not also see how it’s an irrelevance?

no i don't. being broke with 50 k even if you cannot access it is not the same as being broke with no money. you could borrow against it somehow.

any way i am out of this thread

StevenToast

The OP has won me back.....

https://www.boards.ie/discussion/comment/118556608#Comment_118556608

Right so you reckon the OP should go into debt to let someone else continue to be in debt to the OP?

The mental gymnastics here are thrilling.

mickdw

https://www.boards.ie/discussion/comment/118556608#Comment_118556608

So the op should borrow money to fund his friends spending. Nice.

The Green Finers guy at least made a bit of an effort.

Packrat

As an Irish man, I'm utterly shamed reading this.

His money is his money and the pathetic whataboutery here from people clearly just jealous that he has done what they couldn't is disgusting.

Its of NO relevance to this thread.

Should some thieving scumbag be entitled to do him out of €500 Just because he has saved or inherited 50k?

You guys are like wolves surrounding someone with each cur running in for a bite from the safety of numbers.

OP, we are not all like this.

https://www.boards.ie/discussion/comment/118557220#Comment_118557220

ah sure he should just take a loan obviously.

BattleCorp1

https://www.boards.ie/discussion/comment/118557220#Comment_118557220

You don't think that the OP's story is a little far fetched? I certainly do.

By the way, you really should do something about feeling shamed from reading an article like this on boards.

Claw Hammer

https://www.boards.ie/discussion/comment/118555654#Comment_118555654

I posted twice in your stupid thread about eviction notices. Common theme being some brilliant solicitor appears to advise you. AS for you accusing me of posting for sport, yalk about the pot calling the kettle black!

https://www.boards.ie/discussion/comment/118557253#Comment_118557253

At most he would have lost out on the paltry interest. It's not as if the bank were not going to give him access to his money if needed. Should he miss out on the paltry interest on the amount withdrawn - no, but it's not that big of a deal either.

Packrat

https://www.boards.ie/discussion/comment/118558477#Comment_118558477

Whether it's legit or not is irrelevant to the the way the curs - Yes curs attacked.

Yes, as an Irish man, it's fairly sad to see the way some of my countrymen think it's appropriate to behave towards someone asking for help or advice.

https://www.boards.ie/discussion/comment/118559449#Comment_118559449

the OP shouldn’t have to break his term savings so someone can lounge around and enjoy their free lamps and renovations.

Curious1002

Thanks for backing me up to all those who keep my hopes high. I was just telling someone that I dont know where all the negativity comes from these days, but I figured that January is probably just a bad, long, cold and dull month for everyone. I see some uplifting comments in here and I really appreciate them! They do mean a lot and make you hold on tight to your goal and not to give up. I know that vast majority of people are honest and good and swindling someone out of cash or stuff would never even cross their mind - friends or strangers. That's why I dont want to change my approach to people just because of one chancer who so far got away with cheating. But this definitely taught me a good lesson already. Friendships and money are not a good mix.

I went to the Guards last Thursday, brought 1 page long complaint and attached 2 pics of my scratched bike. Nobody spoke to me per se, they just took the document and said that when it's processed someone will get back to me. Well, better this than nothing. Someone in here wisely said that they may discover that there are a lot of similar complaints about Jamie at the Garda station already or I might be first but then if Jamie does the same thing to someone else (and I have a feeling that he might) then my complaint would add a bit of weight and credibility to the other person's case. I think the worst that people can do is to do nothing and let him get away easily. If I need to lose this money, let it be, but at least I want to make sure I have tried everything. Our common friends are really only the neighbors we once shared when he lived here, and I will ensure they know, in case Jamie reaches out to them too.

The best for last. I met with the solicitor on Friday, provided him with all the info I have, printed out my statements, text messages, provided the timeline, a bit of background, Jamie's/my address and my bank account and I was told I will have the letter ready within a week. I brought €50 but the good man refused to accept it. That's so rare these days. Just wow.

mickdw

Keep the pressure on and you may get somewhere with that asshole.

Some of the stuff here saying pull money out of your locked in savings is just nuts. Just screams of someone who thinks 50k is a lotto win.

BattleCorp1

https://www.boards.ie/discussion/comment/118562378#Comment_118562378

It's not unusual that people start threads for a laugh. A troll thread if you will. Given this poster's history of unlikely scenarios, I think it's appropriate to question if the thread is a genuine ask for help or if it's a troll thread. The poster may or may not be genuine, I don't know for sure but I do suspect that they aren't genuine.

If you feel ashamed that people questioned the validity of the OP's claims, well then that's on you.

And given that it's a legal discussion thread, it's typical practice in the legal field to question everything.

https://www.boards.ie/discussion/comment/118562421#Comment_118562421

I anticipated and answered this already. I agree, but he's not as hard up as presented in the OP scenario as some might make out.

https://www.boards.ie/discussion/comment/118562967#Comment_118562967

The buggers. Who said he SHOULD do that?

Claw Hammer

€50 euro for the solicitor. He broke his heart!

Curious1002

Dear All, I just wanted to give my final update on the case.

Following on sending a legal letter to my ex-friend and hearing nothing for 4 weeks, I received the following email from my "friend":

_____________

Hi,

I hope that you are keeping well.

I note your recent correspondence. I am willing to pay you €400 in weekly instalments of €100. I am not going to pay you the amount of €500

Regards,

Jamie

________________

I replied to this email saying nothing but simply attaching my bank account details again. I already received 2 weekly installments of €100 with 2 more to come over the next 2 weeks, hopefully.

Considering the fact that I already lost any hope of getting my money back from him, the outcome comes as a great surprise even if with a cost of €100. If this is what the price is to never deal with Jamie again, then I am delighted that I got out from this mess with such small price to pay.

To all of you, supporters and those who have ridiculed me, thanks again for taking the time and dropping a line or two. A massive thanks to the solicitor again for the legal letter, which clearly did the trick. Let my unfortunate experience be a good lesson to me for the future and a warning to everyone else who happens to have a "friend in need". It's a cliché but still very true that friendship and money don't mix.

Thanks again!

CrookedJack

https://www.boards.ie/discussion/comment/118830550#Comment_118830550

Thanks for the update OP. It's a bit bizarre though, I wonder what his logic for withholding 100 is - presumably that's the amount for the lamps.

AK2021

https://www.boards.ie/discussion/comment/118830567#Comment_118830567

I think that the scumbag Jamie thought that it's easier to defend in court that the lamps were a gift rather than the payment for the 3 roofer guys was a gift.

It's also the final word and power that he has over the OP. I think i read somewhere before that the Jamie guy is a banker - clearly a white collar criminal. Someone should look into what he does with people's money at work.

Great outcome, OP, nonetheless. Well done.

Yes, well done. The solicitor's letter was free I believe.

The "friend" had damaged his rep by delaying payment, but locked it in by refusing to pay a measly €100. This guy sold his reputation very cheap.

Claw Hammer

https://www.boards.ie/discussion/comment/118841801#Comment_118841801

The fictitious solicitor was given a fictitious €50. The O/P is down a fictitious €150 from lending a fictitious €500 to a fictitious friend.