I am probably screwed. 3 weeks ago I lend my neighbour some money (50 euro). Apperently he lost his wallet and he needed some cash to get through the week. I was so kind (read: stupid) to help him also because he helped me on another occasion. After that week I regularly asked him when i get my money back. He always came with another excuse that he soon will give it back. But since a few days he is clearly avoiding me even when I loudly bounce on his window (with a stick from my own window). He also put something in front of his window so that I can't see him. This kind of stuff never happened before. What would you do in this situation?
Do you really need the money right now? If so, ask him outright and explain your situation. Did you arrange for any time frame of repayment at the time of the loan? If not, well....maybe you're screwed. Although, he did help you on a previous occasion, and he may consider that you didn't repay his kindness in a timely manner.
Keep your eyes open....he'll have to come out of his apartment at some point. Be friendly, ask about the weather, ask if he would mind you borrowing one of his kidneys while you casually run your thumb down the edge of a knife, ask if he has the money he owes you....in short, be friendly but persistent. Don't get upset that he is avoiding you.
If he still refuses to pay up, consider hiring some livestock to parade through his apartment. You can tell him you're studying to be a shepherd and Chapter 3 of your schoolbook is about "urban herding".
Dog poo through the letterbox . . . .
Steal his garden gnomes and hold them ransom perhaps??? Does he have any garden gnomes??? He should get some - he could use that cash you gave him to get some - gnomes are cool
I agree with both Beerman (of course) and Michael. But, even though the money was asked for, and given, as a loan one must consider it a donation - worthy or not. The rule of thumb - never "loan" money to a friend or family member (or neighbor for that matter) as you are unlikely to get it back. If you are willing to help them out, then you must consider it a "donation" or "gift" because you'll never see that money again. Ask him for a receipt and write it off as a charitable contribution.
Personally, I would be persistent in requesting repayment and at a certain point, let him know you could make this a civil lawsuit. Judge Judy is always looking for new clients for her TV show. Okay, it may take 3 years to get on the show but you'll win. The best case scenario - you performed a random act of kindness because you had the 50 Euros. Worst case - you beat him to a bloody pulp or just break his window with your stick (which he will probably try to sue you for so it gets fixed without spending your money to fix it) and you're still out the cash.
Good luck and sorry for not being really helpful.
Thanks guys for your advice (including the fruitful advice of Utrecht, Mikeyboab and Purdy). Apparently my neighbour is having a lot of problems, I don't exactly know what his problems are (but he told my that he only had just one cookie last week). But I got him to sign a contract in which he states that he gives me the money back next tuesday. Lets see!
[ Edit: Edited on 06-Feb-2009, at 11:01 by wouterrr ]
tricky - keep us posted. If you need some help I only charge 50 euro per 'collection'
Remind me not to borrow money off you, Rene!
If he doesn't cough up on Tuesday, just be persistent and polite and he should realise that you are not going to go away. If it's apparent that he really is struggling, perhaps you could agree that he pays you back in installments - say 10 Euro per week. Anyway, keep us posted.