Handsomebeing:
You just keep working hard. Things will improve. God bless you.

Thanks

Texrec:

The truth is that I can't even focus these days. Even when I try to get on my knees and pray,all I think about is my problem and I will end up just saying our Lords prayer.

The devil attacks the prayer life of a Christian first .... with little sins such as lies, etc.

I don't worship at MFM Rumuola; however, I was there for a deliverance programme last year after my life, my career and my family took a nose dive. I never regretted my decision to embark upon the deliverance programme, things are changing for the better now.

Nigerians are very fraudulent ppl..be it educated or not...the innocent man taught he had a biz going,meanwhile his staffs are milking him dry nd they call it " runs"..am about to start a biz..nd wouldn't hesitate to sack if any trace of runs surfaces......theives!!!!!!!

Doing business in Nigeria is not easy, so many fraudulent lazy people.

Texrec:

I have tried to use my property to get a loan but my wife is against the idea.

you didn't state how much you re owing him?

Yap. Most most women i think.

YW

Lomprico2:


Stop calling the fucker your friend cos he is not!

And don't meet him anywhere out skirt town, d guy fit don plan abduction on u or ur wife.

And lastly get a loan from somewhere else to pay him, even if na to borrow from ur pastor (afterall dem dey get money )

Pastors dey get money? Hmm..quote me well well, out of 100 na 98 fit get money to even borrow person.

emmysoftyou:
you didn't state how much you re owing him?

Less than 1 million naira.

saintneo:


My response will be Christianity based.

1. A lot of things happen at burials, show off of wealth often attract envy and bewitchment.

2. Friends can be diabolical and their wealth can come from an evil source.


Have you taken this issue to God in prayers, have you fasted? Has your pastor joined you in prayers?

I will advice you go for Three-day deliverance session at MFM Rumuola. Note, a three-day dry fasting will be involved.

Furthermore, a warning before you proceed with the deliverance, you should be aware that any slip-up in your Christian life after the deliverance will open up the doors for more evil to return ... Deuteronomy 28.

A proper Christian advise can NEVER be unbiblical thing called deliverance.

My advice to OP is to calm down.

We may all assume the guy is bad but a friend who loan you money to better your life is good. He may be in financial mess. People might have shown him pepper too.

Try all you can to get the money and as someone has advised take soft loan in bank to settle him.

Texrec:

It was less than 48 hours trip.He knows where I live and I didn't disappear please.

Bro...you still don't get it. As far as you are concerned.... the guy must wait until you sort yourself out. I ask again..... how much have you repaid so far?

PLEASE DONT USE YOUR PROPERTY TO GET ANY LOAN, IF NOT YOU ARE GOING FROM DEBT TO DEBT. AND DONT TAKE YOUR WIFE TO ANY PLACE FOR THAT . JUST TRY TO TALK TO HIM AND EXPLAIN TO HIM. I KNW HE MUST BE IDLE IKWERE MAN . TRY TO EXPLAIN THINGS TO HIM AND ALWAYS PICK HIS CALLS ANY TIME, IT GIVES HIM ASSURANCE THAT YOU ARE NOT RUNING AWAY. YOU CAN AS WELL INFORM YOUR WIFE , THERE IS NOTHING WRONG WITH IT.

The guy borrowed you with good mind o. But now you dey post m up n down. I sense it's all your fault. He lost trust in you. He sees you as a swindler. He sees you as a deceiver. He's made enquiries on how to handle your type and he's been told to do the CRAZY.
I don't think your friend is a bad person. I feel you were not being truthful at some point.
I might be wrong with my analysis... Just don't involve your family.
Na so once guy borrow money from me unto say she dey hospital and she go pay back February month end. This is the third month. She dey give me stories upon stories. The thing dey pain as wear. Especially when you need the money back or you feel the person dey post you.

Pay fast abeg. Even if it means selling anything. That's your way out.

Originalsly:

Bro...you still don't get it. As far as you are concerned.... the guy must wait until you sort yourself out. I ask again..... how much have you repaid so far?

The total money was 1.3m. I had to give him my rent of 350k just to calm him down after I have discussed everything with my landlord. The balance is now 950k .My landlord agreed to give me sometimes (4 months to raise his rent) since I have never owed him before. I have no other source to raise the money and all the projects I have at hand are yet to pay off. So what else should I do please?

perousd:
The guy borrowed you with good mind o. But now you dey post m up n down. I sense it's all your fault. He lost trust in you. He sees you as a swindler. He sees you as a deceiver. He's made enquiries on how to handle your type and he's been told to do the CRAZY.
I don't think your friend is a bad person. I feel you were not being truthful at some point.
I might be wrong with my analysis... Just don't involve your family.
Na so once guy borrow money from me unto say she dey hospital and she go pay back February month end. This is the third month. She dey give me stories upon stories. The thing dey pain as wear. Especially when you need the money back or you feel the person dey post you.

Pay fast abeg. Even if it means selling anything. That's your way out.

It's not as simple as you analyzed it Sir. I never lied to him but you know when it involves money, the only truth people believe is repayment. I appreciate his assistance and I'm forever grateful but I regret ever going to borrow in the first place. What would you do if you were in my shoe? I need solutions not fixing of blame

OChimex:
Listen my dear, I have been in such debt bondage, even now, I haven't paid the money. There was a time pressure was so much that I nearly went insane.

The truth is, you have to calm down and know he won't do anything to you. Always pick his calls even if ten times a day, and always plead with him each time, and politely ask him if he can take any of your properties in place of the money since u can't pay it for now. Don't dodge him and don't be rude to him. He did u a great favour, so don't see him as a bad person. All those gragra is just to put pressure on u and nothing else, believe me, he won't do anything. Forget about your ego, let him tarnish it so far as its about a debt, everyone has been in such debt bondage.

The worst he can do is to arrest u, but then, any authority u are taking to will do nothing except asking u when u will pay the money.

Believe me honestly, u will be fine. But never u see him as a bad person, and don't tell I'll of him in his back.

Plead plead plead with him always and ask him to take u and sell u to get his money back......

cheers......

Your last sentence is annoying. You didn't even suggest to him to double his hustle to make more money to pay off the debt or how to pay his debt. All you had to say was " ask him to the u and sell you.". People like u never pay their debts. Cunning kind of person you are. You owe a debt and you are here bragging about not paying it. People like you make good people cease helping others in need. To the poster in need of advice, I think you should plead with your friend and make an effort to pay back in bits. It could be 10k or more per month. Just let ur friend see that you have him in mind, are grateful for assisting u in time of need, etc. You can start Uber car driving to get some cash. But, NEVER take a loan to pay this debt. Just show some commitment towards offsetting your debt. And next time, do not borrow to bury the dead, do naming, marriage, etc. You should have done a small burial within ur means, but no! You wanna show that u are the first son. See what u go urself into.

Finally, don't lose ur integrity for it is the only thing a man takes to his grave. Begin paying ur debt piecemeal. Give yourself a 1 or 2 year repayment plan and tell ur friend about it. Good luck as you pass through life's school of hard knocks.

oh

ikukuhero:


Your last sentence is annoying. You didn't even suggest to him to double his hustle to make more money to pay off the debt or how to pay his debt. All you had to say was " ask him to the u and sell you.". People like u never pay their debts. Cunning kind of person you are. You owe a debt and you are here bragging about not paying it. People like you make good people cease helping others in need. To the poster in need of advice, I think you should plead with your friend and make an effort to pay back in bits. It could be 10k or more per month. Just let ur friend see that you have him in mind, are grateful for assisting u in time of need, etc. You can start Uber car driving to get some cash. But, NEVER take a loan to pay this debt. Just show some commitment towards offsetting your debt. And next time, do not borrow to bury the dead, do naming, marriage, etc. You should have done a small burial within ur means, but no! You wanna show that u are the first son. See what u go urself into.

Finally, don't lose ur integrity for it is the only thing a man takes to his grave. Begin paying ur debt piecemeal. Give yourself a 1 or 2 year repayment plan and tell ur friend about it. Good luck as you pass through life's school of hard knocks.

Indeed it's a school of life. I appreciate your contributions Sir.

Texrec:

The total money was 1.3m. I had to give him my rent of 350k just to calm him down after I have discussed everything with my landlord. The balance is now 950k .My landlord agreed to give me sometimes (4 months to raise his rent) since I have never owed him before. I have no other source to raise the money and all the projects I have at hand are yet to pay off. So what else should I do please?

Beg him to accept at least N100K /month until the debt is paid off. Cut that amount out of expenditures....list your expenditures according to priorities....then cut from the bottom until the amount can be met. If he doesn't agree...cut more to pay him more....and yes...if it comes to school fees...so be it...nothing in life is guaranteed... including your freedom.
What have you done about getting your money back from the company?....who owns the company and where he lives and was defrauded by his staff ... none of that is your business. Your business is to get your money back from the company. ....the same way your friend is trying to get his money back from you...your situation is none of his business. He is rightfully demanding his money back from you...and so should you be rightfully be demanding your money back from the company. Have you? ...if not why?
Pray hard the matter with your friend doesn't get to the Police.....Police are also human...and they have encountered people who borrow money and haven't repaid...and are giving excuses... do you really think they would be listening to your explanations?....or trying to reach an agreement? They will see you as a swindler.... do you really think you will be returning home...any time soon? ...then who is going to pay your rent?...feed your family?..pay school fees?...and your worse fear...what the people will now be saying?...in your community?...in church?..at your workplace?
Bro...you took a loan from your friend...and have not repaid. That's criminal in any part of the world. Repay the guy before it's too late.

Prognose:

Area!
I maintain bros!
Na from experience I be dey talk bros, no change am for me abeg

One person do you no mean say na so everybody be. E no get where that kind thing no de. Bad people de everywhere, na so good people de everywhere.

Originalsly:

Beg him to accept at least N100K /month until the debt is paid off. Cut that amount out of expenditures....list your expenditures according to priorities....then cut from the bottom until the amount can be met. If he doesn't agree...cut more to pay him more....and yes...if it comes to school fees...so be it...nothing in life is guaranteed... including your freedom.
What have you done about getting your money back from the company?....who owns the company and where he lives and was defrauded by his staff ... none of that is your business. Your business is to get your money back from the company. ....the same way your friend is trying to get his money back from you...your situation is none of his business. He is rightfully demanding his money back from you...and so should you be rightfully be demanding your money back from the company. Have you? ...if not why?
Pray hard the matter with your friend doesn't get to the Police.....Police are also human...and they have encountered people who borrow money and haven't repaid...and are giving excuses... do you really think they would be listening to your explanations?....or trying to reach an agreement? They will see you as a swindler.... do you really think you will be returning home...any time soon? ...then who is going to pay your rent?...feed your family?..pay school fees?...and your worse fear...what the people will now be saying?...in your community?...in church?..at your workplace?
Bro...you took a loan from your friend...and have not repaid. That's criminal in any part of the world. Repay the guy before it's too late.

Thanks

Texrec:
Good evening Friends, please I need your urgent advice and on how to manage this complicated situation.

I do supply of diesel and other products to a company here in Port Harcourt. They always paid within one or two weeks.After my mother's burial last year ,I didn't have enough cash to execute the supply they gave me because i sponsored the burial as the first son. So I borrowed some cash from a friend.

That was the beginning of my wahala. The company's manager and some workers defrauded the owner that hardly lives in Nigeria. So my payment was delayed and I explained everything to my friend. That I even invested all my little savings to that supply and that I'm even finding it difficult to feed my family.

Around February this year I went to Cross River state to buy chippings for someone and I spent about two days there because of truck problems. So my phone battery was down and even my wife was not able to reach me. To my greatest surprise, this my friend went to my church and I told my pastor that defrauded him.That I have even packed out of my house and switched off my phone. Meanwhile he knows my place and he didn't even bother to go and ask my wife where I went to since my number wasn't going through. When the pastor told me things he said, I couldn't believe it (infact I was shocked). I called my friend and he initially denied meeting my pastor.

The pastor scheduled a meeting for us to meet and sort things out but the guy refused to show up. I have tried to sell my own share of my inheritance to pay him his money but I have not been able to see a serious buyer due to the location of the property.

The problem is that this guy is calling everybody that I know and even going to Facebook to contact my friends that I defrauded him. I have asked him to give me time but he said I must come to somewhere outside port Harcourt town with my wife before he will negotiate anything with me. I cannot allow anybody to ridicule my marriage because of debt. I told him I won't involve my wife in that kind of arrangement. He calls me every morning and night and sometimes i just feel like ignoring his calls because i know it's same talk everytime.The company is currently not operating but the chairman has agreed to pay me soon. How do I handle this mess because this guy is ruining my reputation and it's tearing my marriage apart. If you have experienced this before, please I need your advice urgently because I'm going insane.

Get the police involved and a lawyer to write him warning so as not to sue his ass for defamation of character

ikukuhero:


Your last sentence is annoying. You didn't even suggest to him to double his hustle to make more money to pay off the debt or how to pay his debt. All you had to say was " ask him to the u and sell you.". People like u never pay their debts. Cunning kind of person you are. You owe a debt and you are here bragging about not paying it. People like you make good people cease helping others in need. To the poster in need of advice, I think you should plead with your friend and make an effort to pay back in bits. It could be 10k or more per month. Just let ur friend see that you have him in mind, are grateful for assisting u in time of need, etc. You can start Uber car driving to get some cash. But, NEVER take a loan to pay this debt. Just show some commitment towards offsetting your debt. And next time, do not borrow to bury the dead, do naming, marriage, etc. You should have done a small burial within ur means, but no! You wanna show that u are the first son. See what u go urself into.

Finally, don't lose ur integrity for it is the only thing a man takes to his grave. Begin paying ur debt piecemeal. Give yourself a 1 or 2 year repayment plan and tell ur friend about it. Good luck as you pass through life's school of hard knocks.

This is one thing I hate about blacks, they are always fault finders, yet they don't solve any problem. First if only the fault u noticed, u must be stupid, plain stupid. second if u had read the young man's story well u will understand that he is doing everything in his means to pay up, and he doesn't sound like one who wont pay the debt. He is working hard to solve the problem, just that he should be patient. His problem is the pressure on him which is affecting him psychologically. Mind u if he doesn't get this psychological thing solved he won't get himself together to do any hustling, he might even lose his life. When one faces a challenge, the first is to get hold of his senses, then the rest will be history with time. and that's where my emphasis lie.

If u had read my comments, I mentioned that the borrower did him no wrong so he shouldn't take offence in the pressure, rather be loyal and plead with him to give him time. But u seem to not have noticed all these, instead u chose to be an alliterate, emotional, sentimental simpleton.

To be frank with u, this is not Europe or America where u see things do if u are serious, even if u don't have money. Nigeria is not a place u see hustling do easily if u have no finances or support.

I don't take pride in willingly hurting others, but when one has done all his possible best to solve a problem and nothing works, its maturity to accept it that way, but keep working smarter and harder until things improve instead of doing things one will regret in the future.

Ask yourself why people kill themselves? They allow the problem to eat their psych.

Now take your bitterness with you and next time when helping one, don't be judgemental rather, be empathetic.

To me, all u wrote is just poo, u make no sense, maybe because things work for y easily. it doesn't work that way for millions in Nigeria.

helpee:
keep shut. People like you will lend somebody 20k and will go haywire if they cant pay back. So the friend is the bad person while the op that refused to pay back the money is the good person. THE BEGINNING OF OP PROBLEM WAS USING HIS BUSINESS MONEY TO FINANCE BURIAL. This is so wrong. You dont even know how the friend got the money...maybe his own businesd money and you are here saying thrash, making the friend to look bad. Africans and their evil mentality. You used your business money to do burial and you refused to pay a friend who gave you his own business money back....and people are still advising you to cut ties with such friend. Switch position.....will you be quiet if you were the friend?

FirstLy, you really need help in addressing people. You don't know me so stop assuming. I don't lend what I can't afford to lose so you know and believe me I have lost money in trying to provide help for friends. Did I fight them, NO!

I didn't try to justify OP act if you really understand my comment. Don't tell me about OP mistake, what he need is a way out.

OChimex:


This is one thing I hate about blacks, they are always fault finders, yet they don't solve any problem. First if only the fault u noticed, u must be stupid, plain stupid. second if u had read the young man's story well u will understand that he is doing everything in his means to pay up, and he doesn't sound like one who wont pay the debt. He is working hard to solve the problem, just that he should be patient. His problem is the pressure on him which is affecting him psychologically. Mind u if he doesn't get this psychological thing solved he won't get himself together to do any hustling, he might even lose his life. When one faces a challenge, the first is to get hold of his senses, then the rest will be history with time. and that's where my emphasis lie.

If u had read my comments, I mentioned that the borrower did him no wrong so he shouldn't take offence in the pressure, rather be loyal and plead with him to give him time. But u seem to not have noticed all these, instead u chose to be an alliterate, emotional, sentimental simpleton.

To be frank with u, this is not Europe or America where u see things do if u are serious, even if u don't have money. Nigeria is not a place u see hustling do easily if u have no finances or support.

I don't take pride in willingly hurting others, but when one has done all his possible best to solve a problem and nothing works, its maturity to accept it that way, but keep working smarter and harder until things improve instead of doing things one will regret in the future.

Ask yourself why people kill themselves? They allow the problem to eat their psych.

Now take your bitterness with you and next time when helping one, don't be judgemental rather, be empathetic.

To me, all u wrote is just poo, u make no sense, maybe because things work for y easily. it doesn't work that way for millions in Nigeria.

You just understand exactly the situation I found myself into. I didn't come here to fix blame,I came to fix my problem. I really appreciate your maturity Sir. I wish I had any means to raise the money for him today,I won't even wait another day because I need my sanity back.

ikukuhero:


Your last sentence is annoying. You didn't even suggest to him to double his hustle to make more money to pay off the debt or how to pay his debt. All you had to say was " ask him to the u and sell you.". People like u never pay their debts. Cunning kind of person you are. You owe a debt and you are here bragging about not paying it. People like you make good people cease helping others in need. To the poster in need of advice, I think you should plead with your friend and make an effort to pay back in bits. It could be 10k or more per month. Just let ur friend see that you have him in mind, are grateful for assisting u in time of need, etc. You can start Uber car driving to get some cash. But, NEVER take a loan to pay this debt. Just show some commitment towards offsetting your debt. And next time, do not borrow to bury the dead, do naming, marriage, etc. You should have done a small burial within ur means, but no! You wanna show that u are the first son. See what u go urself into.

Finally, don't lose ur integrity for it is the only thing a man takes to his grave. Begin paying ur debt piecemeal. Give yourself a 1 or 2 year repayment plan and tell ur friend about it. Good luck as you pass through life's school of hard knocks.

Again, this guy asks for advice from people so if u think I am missing out something, what u need do is to add it up. And that makes it complete instead of being an invigilator assessing what advice that is good or not good for the guy. This guy us an adult and will read all advice's and pick ones that are good, so its not your job to pick out bad advice for him.

About helping people, if u stop doing good to others just because of your bad experiences then, in the first place ur intentions for doing good is selfish. Remember, while we were yet sinners Christ died for us. If God can still show us favour despite our sins, why stop doing good to others just because of a few bad experiences? All good we do is for God not for human.

Remember Our Lord's Prayer "Forgive us our debts as we forgive our debtors"....

Mind u, I condemn abuse of trust in the strongest term.

Texrec:

The total money was 1.3m. I had to give him my rent of 350k just to calm him down after I have discussed everything with my landlord. The balance is now 950k .My landlord agreed to give me sometimes (4 months to raise his rent) since I have never owed him before. I have no other source to raise the money and all the projects I have at hand are yet to pay off. So what else should I do please?

Pray.
Ask Jesus and wait....
HE`d lead you on to the way out.
I say again, pray.
Lock yourself in your closet and honour HIM and weep your eyes out from your heart.
When we call on HIM, HE answers.
Pray.

ekmike:


FirstLy, you really need help in addressing people. You don't know me so stop assuming. I don't lend what I can't afford to lose so you know and believe me I have lost money in trying to provide help for friends. Did I fight them, NO!

I didn't try to justify OP act if you really understand my comment. Don't tell me about OP mistake, what he need is a way out.

Thanks for understanding why I opened this thread in the first place.

Texrec:

This is exactly my fear. Anything can happen in this country and I'm aware of that.

Why not be the first to go to the police station?

Texrec:

Sir, I never told you I don't pick his calls. I said sometimes I just feel like ignoring his calls. I imagine you asked somebody for sometime like yesterday and the person still called you back today to ask you for his money. How possible is it for me to raise that cash within few hours?.

What you`re going through right now in the hand of your friend is what your friend is going through. He needsthe money as bad a you need it.
You need to pray.

Texrec:

The truth is that I can't even focus these days. Even when I try to get on my knees and pray,all I think about is my problem and I will end up just saying our Lords prayer.

Please PLEASE what ever you do, never go to MFM. Never!!!

OChimex:
Listen my dear, I have been in such debt bondage, even now, I haven't paid the money. There was a time pressure was so much that I nearly went insane.

The truth is, you have to calm down and know he won't do anything to you. Always pick his calls even if ten times a day, and always plead with him each time, and politely ask him if he can take any of your properties in place of the money since u can't pay it for now. Don't dodge him and don't be rude to him. He did u a great favour, so don't see him as a bad person. All those gragra is just to put pressure on u and nothing else, believe me, he won't do anything. Forget about your ego, let him tarnish it so far as its about a debt, everyone has been in such debt bondage.

The worst he can do is to arrest u, but then, any authority u are taking to will do nothing except asking u when u will pay the money.

Believe me honestly, u will be fine. But never u see him as a bad person, and don't tell I'll of him in his back.

Plead plead plead with him always and ask him to take u and sell u to get his money back......

cheers......

Oni gbese, oga debtor sure you must be igbo? Debt shame nor dey catch una!
I wIll leave my house empty instead of renting to una people
sorry to derail op