People that owe you money

[aNYone]

Its known how difficult it is for blacks to get bank loans.

"Just go the bank and get a loan" is really not an option for most black Americans.

True, there is historical context for that.

But I don’t think that’s the dollar amount we’re talking about here.

We’re not referencing house loan type bread. We’re talking 50 to 100 dollars at most.

And even if it’s a bit more than yes, go get you a payday loan for 1500 or whatever it is you make. If your credit is that bad that you can’t get it, why would I expect to get my money back from you lmao.

 

[f sharp005]

I gave my bro $3k at the end of July. He told me the situation he was in. He said he'd pay me back $3.5k by today.

Did he pay me back? No.

I'm not that stitched up that I need it ASAP. However, the amount was enough that I wouldn't put myself in any debt.

Sucks that it's a family member that does it though :-(

 

[jape]

yeah i don't give money out to anyone tbh...my fam doesn't come at me like that though. i do hook the kids up when i see em but that's like candy money

but DEF NOT anyone on the internet
like homeboy who was on here asking for money for his business but stays in the high end designer shoe thread...y'all getting fleeced

 

[kingkoopa]

True, there is historical context for that.

But I don’t think that’s the dollar amount we’re talking about here.

We’re not referencing house loan type bread. We’re talking 50 to 100 dollars at most.

And even if it’s a bit more than yes, go get you a payday loan for 1500 or whatever it is you make. If your credit is that bad that you can’t get it, why would I expect to get my money back from you lmao.

Maybe I'm just built different.

$100 dollars ain't even shoe money.

Most of dudes in here will trick that off on a date with some jumpoff.

But your flesh and blood gets a cold shoulder.

I've been broke and still am to some extent.

I'm just not that cold hearted.

Now if I've been played over and over then yeah, I can say no.

But I'm not just telling my peoples to go to the pawn shop or ask the bank.

That's some ******* ****.

 

[freakydestroyer]

yeah i don't give money out to anyone tbh...my fam doesn't come at me like that though. i do hook the kids up when i see em but that's like candy money

but DEF NOT anyone on the internet
like homeboy who was on here asking for money for his business but stays in the high end designer shoe thread...y'all getting fleeced

Who might this be?

 

[freakydestroyer]

Some people are really ****** up. Someone I know did some petty crime and got booked into jail. His friends paid his bail. A year later he hit a windfall that was 10x the bail amount and he still acted like he didn't owe them anything. Matter of fact he rubbed it in their face that he came up on a sum of money.

 

[kingkoopa]

Some people are really ****ed up. Someone I know did some petty crime and got booked into jail. His friends paid his bail. A year later he hit a windfall that was 10x the bail amount and he still acted like he didn't owe them anything. Matter of fact he rubbed it in their face that he came up on a sum of money.

The more stories I read in here, the more I think these people are lookin at the loaners like a ***** or they just dont keep good company.

I dont run with ANYONE who even think of doin that.

 

[cs02132]

My bro got a homie like this, low-key I feel it's a control thing. He begs for 40 every time he sees him but is always in new sneakers/gear, new additions to his whip, tricking on women in high end hotels, renting "stars" etc. Just reckless with his money but lax on priorities like gas because he knows his homie got him.

I don’t know how someone can do this and not feel embarrassed

 

[Deleted member 42060]

yeah i don't give money out to anyone tbh...my fam doesn't come at me like that though. i do hook the kids up when i see em but that's like candy money

but DEF NOT anyone on the internet
like homeboy who was on here asking for money for his business but stays in the high end designer shoe thread...y'all getting fleeced

if true.

 

[freakydestroyer]

I don’t know how someone can do this and not feel embarrassed

Someone used to do that to me. One time I told him no more not because of the money but because of the principle. He said, "Don't tell me about principle, I am a grown man". Well a grown man figures out how to get his own money and not beg others.

 

[dmbrhs]

Hadn't seen this thread before, but the rule of thumb: never loan someone more money than you can't afford to be without. That being said, it will likely expedite parting ways with that friend anyway, thus saving you more money in the long run.

 

[deleted]

Hadn't seen this thread before, but the rule of thumb: never loan someone more money than you can't afford to be without. That being said, it will likely expedite parting ways with that friend anyway, thus saving you more money in the long run.

 

[Kinfolk]

I had two very close friends a guy and a girl. They weren’t dating, weren’t ****ing, the friendship wasn’t like that at all.

The guy had terrible credit and was trying to get a car, so being the good person that she was, she let dude get a car in her name. I told her not to do it because he doesn’t understand the principle of repayment.

She does it anyway, dude has the car for 4-5 months, the care got totaled (not his fault). Insurance took care of it.

But they were back to square one with him needing a car but still having bad credit.

So she suggests that instead of her signing for another car, she’d help him fix his credit but it would cost him $500-$600. He didn’t have it so she said ok, don’t worry just pay me back once your credit is at a respectable level.

It sounded fishy to me, but she’s a stand up woman and about a year later his credit was in the 6-700 range. She pulled my mans out of the gutter basically.

But there was still the oustanding $500-600.

Dude went to a wedding in some exotic location and was posting pics and stories about how luxurious the trip was on his Instagram.

The girl hits me extra upset like “how can he do all that but not pay me my money back?”

So he gets back and she confronts him and he’s like “why are you so mad- I didn’t even spend that much out there, the exchange rate is favorable to the American Dollar” ().

More months pass And the girl realizes that she’s not getting her money back so she decides to tell dudes fiancé that he’s been cheating on her and shows proof. The fiancé calls off the engagement and kicks dude out of their apartment

Dude (who is no longer my friend) threatens to kidnap the girl’s daughter and all of this psycho nonsense.

I had to stop talking to dude because he kept looking to me for support and wanted me to back him up in his reasons for not paying the girl back.

Dude is also the type of guy to scratch his nuts then try to shake your hand.

 

[moderndarwin]

Doesn’t really sound like a thread about loaning money. It sounds more like a thread about who you associate with.

In general, my history with this topic is that most people that need to borrow money are very short term thinking impulsive people.

There are countless ways nowadays to get some extra cash without asking friends/family. If people aren’t willing to even try those then it tells me as much as I need to know.

I only have one true good friend who falls into the above category. He’s a really good hearted guy but definitely a spur of the moment thinker. If you are at the bar and he has cash he’ll offer to get the next round regardless of his overall financial situation. I’ll loan him money occasionally because I appreciate the live in the moment energy he brings. It’s rare and something I value. And he is a good guy and does eventually pay me back. But even if he didn’t I wouldn’t mind loaning him some cash here and there.

 

[Deleted member 42060]

Lesson is don't mix emotions with money. Keep it professional.

 

[Kinfolk]

Doesn’t really sound like a thread about loaning money. It sounds more like a thread about who you associate with.

There’s always somebody on NikeTalk that willfully ignores the spirit of the thread and enters it with the intention to take backhanded shots at everyone that decided to contribute and share a story.

But hey, lemme guess you didn’t mean it that way? Lol

The thread is absolutely about people’s experiences loaning money.

 

[Brownstone]

"I am not in a position to help"

 

[moderndarwin]

There’s always somebody on NikeTalk that willfully ignores the spirit of the thread and enters it with the intention to take backhanded shots at everyone that decided to contribute and share a story.

But hey, lemme guess you didn’t mean it that way? Lol

The thread is absolutely about people’s experiences loaning money.

not really how conversation works. Starts with something and goes down a multitude of different paths. Sure though feel free to ignore what i said - i can see why it may have been offensive if you took it that way. I’ll stay out of this thread was just sharing and contributing.

 

[Belgium]

I don't loan money but there's been a few instances where as a seller of virtual goods (social media usernames), buyers have tried to file a chargeback claim on Paypal to get their money back, and thus tried to deprive me of my owed money. I've never lost a chargeback claim but there was one buyer in particular where I was 100% convinced he was going to scam me and I decided I'd reverse the scam on him because he seemed like an absolute moron.

He was offering $800 for a username that I was offering for $200 but would only fetch $250 at the absolute most, so I knew right away the guy was going to chargeback on Paypal to get his $800 back while keeping the username. Unfortunately he wasn't quite up to speed on how you can easily provide the buyer more than enough proof to win a chargeback claim, after all the claim is always the same: "someone accessed my paypal and made an unauthorized transaction."
I asked him to use Signal for our communications so I could get his phone number, and then asked him to send me proof on mobile that he sent the payment. It showed him logged in on his paypal approving the payment.

When the inevitable chargeback dispute came, I sent his proof of payment to Paypal, some of the payment method negotiations on Signal and of course the phonenumber he used for those communications.
Within a day or 2 Paypal denied his claim and gave me my $800, essentially reverse-scamming him out of $600.
The communications I sent to Paypal would've been sufficient but for the icing on the cake, the guy was also dumb enough to link the same phone number to both Signal and his Paypal while going around trying to scam people via chargebacks.

 

[gentrification]

I just payed my boy back a stack

 

[Kinfolk]

not really how conversation works. Starts with something and goes down a multitude of different paths. Sure though feel free to ignore what i said - i can see why it may have been offensive if you took it that way. I’ll stay out of this thread was just sharing and contributing.

Yes, see your way out because what are you even talking about “that’s not how conversation works?” People are telling different stories and here you come with “THIS THREAD IS REALLY ABOUT WHO YOU ASSOCIATE WITH!” You do realize that people can have friendships with other people and not have a good idea as to how Responsible a person is with their finances until calamity hits and suddenly they’re asking to borrow money?

You came in here and made an observation based on (for all you know) 9-10 pages of stories about people’s interactions with a fraction of their social circles.

 

[DCAllAfrican]

the collector

I still haven't been paid.

 

[Mark Antony]

That's hilarious: I had someone on NT that was supposed to pay you, don't know that they did with the money, I will find out though. *disappears

 

[8|24]

Someone on NT owes me ten dollars for finding the name of a girl in his avatar but he never paid me. But it has been so long ago that i cant remember his username anymore

 

[waitwut]

i dont lend out money unless its the fam or we really close... but if i do im already prepared if i dont get it back...
but if you are doing me favors here and there in return ill count it..
we been there i know people dont like asking to borrow unless times are tough