Is it worth the risk?

OkayWhatever

Myself and my friend have booked ourselves to got to Spain for 4 nights on the 28th of March. But I've booked the flights, they cost €130 for the two of us, on my credit card. The deal was that I was going to book them and she was going to pay me back in 2/3 weeks. It's gone past 3 weeks.

She has a job and works 15-20 hours a week? So she could have been able to pay me back on the first payday after we booked the flights.

We still need to book our accommodation and theme park tickets. Accommodation in the hotel we want to stay in for 4 nights is €150 for the 2 of us, and theme park tickets are €55each.

I said that I had no problem using my credit card, thinking that i'd get the money back asap because she's earning money.

She's after recently buying a car and insurance for it, owes her mam money and has a €1,000 credit union loan that she needs to pay off. But she insists she can afford to go on holiday for 4 nights.

I have a serious problem asking for money that people owe me, but I have asked her twice for it and she says she'll get it to me. I don't think I have the guts to ask again tbh.

I don't really wanna book anything else before she's paid back the €65 but accommodation is getting more expensive the longer we leave it.

Should I just trust that my friend is good for the money and book everything? It adds up to just under €200 each.

Or should I talk to her about it and suggest not going away at all? Even if she does pay me the €200, is she going to be able to afford spending money? I don't want to have to bail her out over there. It would really ruin my holiday.

Opinions please?

dearg lady

Why not say you can't afford to book accomodation til you've been reimbursed for the flights? This kind of thing really annoys me, ya do someone a favour and they take the mick

Plek Trum

Tell your pal that you need her money asap to clear the flight and book the hotel etc so that you can get a cheap deal now. Explain you want to pay it straight off your card and not incurr any charges so once she can give you the cash you can get it sorted.

Puts the onus of responsibility back on her to come up with the cash for her sake and yours, while taking the heat off you. Really, she shouldn't even be putting you in this position but don't be afraid of asking her straight up " Can you get the 200euro to me asap - I want to get the hotel etc booked and cleared so that we are good to go, looking forward to it now! Payment is due on my card so as soon as possible would be great, ta..."

PS - where are ye going for that kind of money?? Sounds like a great deal ;0)

Daisy M

Plek Trum wrote: »

Tell your pal that you need her money asap to clear the flight and book the hotel etc so that you can get a cheap deal now. Explain you want to pay it straight off your card and not incurr any charges so once she can give you the cash you can get it sorted.

Puts the onus of responsibility back on her to come up with the cash for her sake and yours, while taking the heat off you. Really, she shouldn't even be putting you in this position but don't be afraid of asking her straight up " Can you get the 200euro to me asap - I want to get the hotel etc booked and cleared so that we are good to go, looking forward to it now! Payment is due on my card so as soon as possible would be great, ta..."

PS - where are ye going for that kind of money?? Sounds like a great deal ;0)

I would imagine they are off to Salou. Ryanair flights from dub to reus:)

Dont book anything else until you get the money. You will still get good offers for hotels check out tripsta.com for great deals.

Stench Blossoms

Wow. I was going to post a similar thread to this.

I bought a friend concert tickets on my credit card. Asked her 3 times for the money and kept getting a 'sorry I forgot' reply.

It was hard for me to ask her the first time and even harder the times afterwards.

I say ask her. Tell her exactly what you've said here. Say that accomadation is getting more and more expensive and you can't afford to book until you've received payment for her flights. You may find out she has no money and tbh it would be better to find this out now and cancel the holiday than to find out over there and as you said be bailing her out.

Good luck. I know it's hard. You don't want to come across as being pushy etc but it's them who owes you.

Squiggler

There is nothing wrong with asking her to pay for the flights (and the rest of it for that matter) before you put any further charges on your card.

In my experience friends who don't pay their share or "forget" to pay back loans are friends you don't get into financial arrangements with.

thefeatheredcat

You have to ask her straight out for the money again. She may well have figured you could be a pushover for paying all the costs on your credit card and leaving you burnt and never paying it back, for the simple reason she knows you'll have difficulty asking for it back. She may even be relying on it.

From my experience, (and i've been badly burnt with letting getting paid back money owed slide because I was sure they would pay up without having being hounded) don't pay off anything more on your credit card and make sure you are not putting yourself in the position as affording her a free holiday at your expense and send a clear signal you're not going to footing the cost of her expenses on holiday since you could very easily put things on your credit card, if needs be.

She has 2 outstanding loans, one from the credit union and one from her mother. If you trust her enough to come through with the money then just say about that you can't afford to book the rest on the card until you get some money back from her.

Just be careful you could end up not getting the money unless you hound her for it and end up with a hefty bit to pay off your credit card...and getting into trouble even with a great credit limit on your credit card is not worth it for anyone outside of emergencies.