Ya try to help someone out..

and they piss all over you.

Im stupid.

I have this friend who was a really good friend.. and she needed a phone on but couldnt cause her parents screwed up her credit by pissing off to oz and leaving her with a phone bill that wasnt hers (phone was under her name).
So anyways, i said id hook up a phone for her under my name, you may think im stupid, but i thought this girl was my friend, i have known her since i was about 15 (thats 7 years!).

Well, she f**king didnt pay it and it went to baycorp. Now my credits f**ked and i owe them $600. Well, she does. They said if i pay it off by may 5th my credit would be ok. She didnt of course and i cant come up with that sort of money in a couple weeks.
She said she would pay 100 a week to me, and then i make the payments, well now shes changed her mind and is only paying like 60. Id already told them id pay 100.

Im just having a moan. Your probably thinking "you brought it on yourself" but im the type of person that will do anything to help out my good friends. Now its biten me in the ass.

I had words with her then i felt f**king bad about it. WHAT THE HELL. Im a idiot!

Im just fuming. This girl was one of my best friends! What sort of person does that to their mates? She was all "im so sorry, i didnt mean for it to get so bad blah blah blah.."
But who the f**k expects to get a phone for free? Nothing in life is FREE you cant get by, by f**king people over and getting away with it,.

Thing is, i CANT do anything about it. Its my fault letting her use the phone in my name. And that really upsets me cause i didnt do anything but try to be a mate and this is what i get?

If i cant trust one of my best friends then who the hell can i trust?
Just proves my point that people are sh*t and dont give a crap about anyone but themselves.
(no offence to you guys im just upset)

I hear you Nikki, but Its just the way i am. I like to help out my friends when they need it and when i can(it is not often that i can), just like they help me when i need them.

Kelly: I know. Its not like she couldnt afford to pay it either, she gets enough money and her partner does too.



Not much i can do now though.

I know Mel thats how i feel x10 lol. Thanks for the hugs.

Edited by MelanieAndBree

Thats ok. Thanks, but your right. I should have learnt from my cousin who went guarantor on her ex-bfs loan. You can guess what happened there. Shes only just got out of paying it cause she went to a lawyer and what not.

I wish i wasnt like i am. I just figured my best mate wouldnt do that to me.

Im not sure. I mean she is paying it, but less than what she originally said. So my credit is screwed to sh*t now cause shes taking so long to pay it.

I was talking to her on msn and said i thought you were paying 100 and she said she couldnt afford it and shes sorry. i said yeah well im sorry too and blocked her. UGH she makes me so mad if i didnt block her i would have abused the sh*t out of her and she would probably not give me any money! lol.

Edited by MelanieAndBree

oh that SUX!!!! i know how ya feel though bcos DH put his mates (really good mate! and bussiness partner!) car in his name (cant remember why!) and this guy i will call "john" (cos thats his real name! lol) said it was only temporary and we completely forgot about it until we got a $400 fine under that car!! which i MADE! a big hooha about and John payed it and had supposidly taken it out of our name (we did our side) then we recieved an overdue rego notice.. once again i went to him and got fricked angry!, he said he would go and change the name (had excuses as to why it wasnt done last time )....anyway he made a huge mistake on a floor (they are builders) when DH was away sick for a month and they had to pay $30,000 to fix it! which ended up comming out of Johns pocket but also meant that DH lost that contract and alot of money bcos of it!..so we cut ties from them after further mucking around!....then 8 months later we recieve a letter saying we owed $800 for the rego problem! we tried to hunt John down and couldnt find him! i rung and told LAT and they wanted his name...now i kid you not! - his name is John Smith (it really is bcos we knew his mum! lol) and LAT thought that was a bit fishy and we ended up paying that $800!! even though we have never had possesion of that car!!    GGRRR!! we will never do that again!!!

Hope she gets her A into G and come through for you Mel but damb that sux about your credit rating!!

Italiah wrote: If she thinks SHE can't afford it and yet she works (I think?) and her partner works(?) - THEN HOW THE HELL DOES SHE THINK YOU CAN AFFORD IT when you don't work and have a child to care for?? Totally rude and disgusting behaviour on her part. Have you got the phone back off her? Maybe you should say that you need to rebo it in order to pay for HER bill. Does she smoke or drink? I bet she can still pay for those habits. I never would loan money off my friends, nor loan to them. I know you mean well, and you sound like a great friend to have. I think things like this just ruin your chances of trusting friends again, and it's not fair on you, that people have destroyed your generous personality as you won't want to help other friends out in the future.

At the moment i think she is studying and looks after her friends kids (he pays her). Plus shes totally scamming winz saying her partner doesnt live with her! AND her partner works! So i mean she HAS money!
She smokes (not just ciggarettes) and i think drinks sometimes. But no way would she not buy her precious smokes and what not just to pay me! That would be a joke!!!

The phone was disconnected (i told her to disconnect it before that but little did i know it had been cut off anyway due to being sent to baycorp! grr [:@])

I have been in the same boat!
After a marraige split i sold me share of our house to my ex, so obviously i had a fair bit of spare cash.
I moved into a flat with one of my best friends and her bf. When she was off work on ACC and not getting much money, i helped pay her share of the bills, i also paid the whole bond which she was going to gradually pay me back.
Let's just say things turned sour (not because of the money, she just turned into a psycho lol) and i never saw a cent of the money she owed me.
I was also left with a $400 phone bill (mostly calls to her family in other parts of the country, and mobile calls that i did not make!) and a huge power bill :(
Sometimes trusting people is not such a good thing!

STINK.

Never lend money to friends and all those other messages but it’s all a little too late for advice now… or is it. The stink news is that unless this debt is cleared it will follow you for the rest of your life ie when you try to borrow money, get a phone contract, get your name on a utility bill etc etc etc.

We all know you should negotiate in almost all fields of life. In my work if customers ask they can get fee’s waived and other discounts. If you don’t ask you don’t get.

I have heard that you can also negotiate with Baycorp although I have not had the need to try this myself yet.

This is because there will be a portion of the claim that is collection fees that have been put on by Baycorp in the course of trying to call the debt in. At the end of the day if they can get a portion of the funds back it is good financially for them and also good for their reputation as businesses see they are effective in getting debts paid.

So if you are going to pay don’t pay the whole lot before you offer to pay a portion and see what the response is. Ie “I can only get a loan from my family for $650 as I can’t get a bank loan. Would $650 TODAY be enough to clear this debt of $800?”

Any discount you can get is money in your back pocket. AND…. The mean person in me thinks that if you did get the money back off your friend you demand the full $800 J

Anyone had any success negotiating with Baycorp?

Just a suggestion….and best of luck….


Edited by RunningT

I thought about it but that would just be terrible wouldnt it? I mean im mad at her but im not that mean.....

 

CHeers for the advice RunningT. I cant afford to even pay some of it. I can barely pay my own bills at the moment actually! I definately wont be able to get it out of her either!