questions1
Junior Member
What is the name of your state (only U.S. law)? North Carolina
Before sharing the facts, please, I would like advice and need no shaming. I am embarrassed and humiliated enough. Thank you.
I discussed with a person a personal loan beginning in December. I did think this was a friend and knew his entire family. We continued discussion of amount and use and re-payment. He wanted tools to get some things made that he said would be sold within 60 days. He also added he would get his tax return in April which would be over 1800.00. Tools were ordered and put on my credit card and delivered to his address. The total he accrued was approximately 4000.00. (I did not know about the amount after the first 1500.00, but those details probably do not matter right now). The first purchase was made in late February. In mid April, he said he had filed his tax return. He also gave me some new clothing he had, he said this was part of re-payment, even though I said I did not want to have to sell the clothing to get some of my money back. He said hold onto it for now, the value of the clothing is probably 600.00. April 25th he called to say his return was being mailed on May 3, and that he would be giving me that check. I called and asked about that check several days later. He claimed he had not gotten it yet. I opened a bank account that has branches in his city (he is in a city 2.5 hours from mine) so that he could deposit the check. Still claiming he did not have the check yet, he did deposit over 300.00 into my account on May 8. He has since stopped calling, and has not returned calls. I sent him two emails regarding facts about the loan and requesting we set up a payment plan civilly. To one email he said "It was not a loan, it was a gift". His later email reply was "Should I deduct meals out and groceries?". I sent another email saying I was not asking for gas, groceries, work I did at his home, etc. I was requesting re-payment of the loan". Please, please advise. If I need to go ahead and file in small claims court, I would like to know how to prepare, and any other steps you can suggest. Thank you.
Before sharing the facts, please, I would like advice and need no shaming. I am embarrassed and humiliated enough. Thank you.
I discussed with a person a personal loan beginning in December. I did think this was a friend and knew his entire family. We continued discussion of amount and use and re-payment. He wanted tools to get some things made that he said would be sold within 60 days. He also added he would get his tax return in April which would be over 1800.00. Tools were ordered and put on my credit card and delivered to his address. The total he accrued was approximately 4000.00. (I did not know about the amount after the first 1500.00, but those details probably do not matter right now). The first purchase was made in late February. In mid April, he said he had filed his tax return. He also gave me some new clothing he had, he said this was part of re-payment, even though I said I did not want to have to sell the clothing to get some of my money back. He said hold onto it for now, the value of the clothing is probably 600.00. April 25th he called to say his return was being mailed on May 3, and that he would be giving me that check. I called and asked about that check several days later. He claimed he had not gotten it yet. I opened a bank account that has branches in his city (he is in a city 2.5 hours from mine) so that he could deposit the check. Still claiming he did not have the check yet, he did deposit over 300.00 into my account on May 8. He has since stopped calling, and has not returned calls. I sent him two emails regarding facts about the loan and requesting we set up a payment plan civilly. To one email he said "It was not a loan, it was a gift". His later email reply was "Should I deduct meals out and groceries?". I sent another email saying I was not asking for gas, groceries, work I did at his home, etc. I was requesting re-payment of the loan". Please, please advise. If I need to go ahead and file in small claims court, I would like to know how to prepare, and any other steps you can suggest. Thank you.