Back in 2018, in June, a friend working in the UK (let’s call him Dave), asked me to lend him money because he has “family problems” mentioning he will return them by August, 2018.
Things did not go as expected: he divorced his wife, and could not return the money by August, 2018. Not only that, but he got the vice of gambling (I do hope he gave up on that by now).
Every time he set another deadline for sending me the money, but could not do it because of new problems.
The total sum to return is 10k EUR.
Currently he has girlfriend, and they sent me €500, saying that they will try to do that every week. That happened only once tho.
Now Dave has to pay lawyers to solve some problem related to his son, he has to pay invoices, car tickets, car rates etc.
So, I am in the situation of having a friend who can’t return the money now, he and his girlfriend ask me for patience, and I don’t see any plan from them to return the money.
Dave works very hard, getting around €1000 / week, and I have enough money, not really depending on the money I have to get from him.
While I can wait more, I would like to know that’s the best way to make a good plan for them to return the money.
I don’t want to use force, because I can imagine he has a hard time already, and the worst thing would be to fall in depression or even worse things.
What can I do? How should I communicate with him to return the money? Would it be an option to contact his family (brothers and parents) to make things more transparent for everyone (I do have the feeling he hides some things from me because he does not want me to talk to her brothers and parents)?
Taking legal steps at this point is too early I believe. That would make him even more stressed.
Given the political changes in the UK I am also afraid that things can get even worse for Dave: he is not UK citizen, the GBP/EUR rate may change in his favor or not etc.
We did not sign a contract — I only have the discussion history (Facebook Messenger) and the TransferWise transactions.