Among Friends

[Lucky Charm]

I hope it's worked out in your daughter's favor for sure. That was very nice for her to help her niece out

[occasionalrain]

Honorable people pay back borrowed money without being asked, much less badgered, otherwise they're deadbeats and should be deleted from your life.

[pdlinda]

@occasionalrain  Yes, that is the issue.  These people whom we all thought were "reputable" turned out not to be...my daughter was raised to be honorable and value integrity.  Apparently this other family have different standards.  So, there's that....

[Bonkers1]

Unfortunately the best you can do at this point is to help her or stay completely out of it.

[Kachina624]

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@pdlinda wrote:

@Carmie   Yes, there is proof of what the arrangement was.  Plenty of texts affirm the debt owed.  I'll pass along your suggestion to my daughter.  Thank you.

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@pdlinda.  Here it's called "small claims court" and you pay a small fee to file through the county clerk's  office.  A hearing is held before a judge who makes a quick decision.

[homedecor1]

my dad gave me great advice a longtime ago:

Never "loan" money if you can't afford to lose it because you'll not see it again!

Of course over the years I've "donated" (loan) to my kids knowing I wouldn't get paid back.

Never any hard feelings cuz I knew I was "giving" it to them😉

[DottieBlue]

Perhaps your daughter could have a talk with her niece and tell  her that if she can't pay it back in a lump sum, making small monthly payments would be OK, like $100.00 a month or something like that.  

[occasionalrain]

I suggest your daughter text her niece telling her that she trusted her to pay the loan back and is disappointed to find she shouldn't have.

Then, ignore her cousin's  excuses and empty promises until the loan is repaid.

[pdlinda]

@homedecor1   LOL...my father always told me that there is no such thing as a family "loan" because if the recipient needed a "loan" it would indicate he/she didn't have the $$$ to pay for the particular item, so he/she won't have the $$$ to repay you.  

Through the years my parents, and I have been very generous with my daughter and SIL(and their children)

No loans, only gifts.

I wasn't aware of the matter I posted about today.  The niece certainly wouldn't have tapped me for the "loan."

My daughter and SIL are NOT in my financial situation.  They have a large family and my daughter cannot afford to absorb a loss of $800.00.

The "rub" is that my daughter's inlaws are (I THOUGHT) very well to do so in the back of her mind, I think that fact created a certainty about repayment.  

Upon further reflection (as was mentioned upthread), and as my father would likely have thought:  "If the niece's parents/grandparents hadn't stepped up to the plate to IMMEDIATELY gift the young lady with the$1250, it means none of them had it so they turned to my daughter.   

[DottieBlue]

Just wondering....did your daughter's husband know his family were deadbeats like this?  Since they are so "close" he should have known.  Perhaps he should have warned his wife not to lend the niece so much money and to not expect repayment. 

Since it is his family, perhaps he should step forward and be the "bad guy" and ask for repayment instead of your daughter having to do it.  It would show a united front to his family.  But it seems he doesn't want to make waves with his family so your daughter is left to do it by herself.

Hopefully, the niece will at least make small monthly payments until it is paid off.  Otherwise, your daughter may  have to kiss $800.00 good-bye to "keep the family harmony."