5 minute read
How to ask for a loan to be repaid
from Henlow Sept 2020
by Villager Mag
Neither a borrower nor a lender be! There’s a lot of truth in that old saying. Have you ever loaned a friend or family member some money and then waited and waited for them to return it, feeling increasingly resentful? If unresolved the situation can fester to the point at which the relationship breaks down for good. If a few months have passed since you lent someone some money, and they’ve not mentioned returning it yet what should you do? The lender sometimes worries it would be rude or inappropriate to ask for it back, or that they might jeopardise the friendship. If this is you then you ned to realise that your friend asked you for money in the first place; money, which you lent to them! So, worrying about asking for its return is not your problem; your problem is why you are anxious. Maybe that’s a red flag for this relationship whether or not the loan is eventually repaid. Be polite but clear - ‘When do you think you’ll be able to repay the money I loaned you?’ is fine. You don’t need to invent a whole convoluted back story about how you need the money to pay for pay for your kitten’s operation. If you feel you want to soften the blow, you could add, ‘...as I’m a little short of funds right now.’ Could they work it off? - If it’s less that you need actual cash and more the principle of the repayment you could find a way for them to repay in kind. To advertise in The Villager and Town Life please call 01767 261122
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Perhaps you need childcare, help moving house, or some clothing alterations done. Most people have some kind of talent or skill they can provide as repayment. Bartering – Does your friend have something you would like which is equivalent value to the cash you loaned them? This is a way for your friend to settle up without having to give you cash. Payment plan – Consider a flexible payment plan so they can pay you back in instalments over a few months. If you aren’t sure they will honour a verbal agreement, get something down on paper. Ask someone to remind them - If you’re nervous about asking, perhaps consider why this person is your friend! But you could ask their partner, a mutual friend, or a family member to remind them. They may be able to drop hints on your behalf or tackle them directly about taking advantage of your friendship. Consider a credit card repayment - Times have changed. You don’t need to be a business with an Electronic Funds Transfer console and a merchant account in order to be paid by credit card. They can use PayPal or a similar service to send you the money. You can even prompt them to send money to you with the ‘request money’ feature. Lending money to friends and family is a minefield so consider very carefully whether you want to do it. If you do, make sure you talk about the when and how of repayment before you part with the cash.
The Parkland Collection at Brunswick Gate, in Lower Stondon, off ers a beautiful range of four and fi ve-bedroom homes, which showcase the very best of open plan family living. This development is perfect for growing families, including pets, as well as professionals, downsizers and has also been popular with buyers looking to escape London and settle down in this beautiful location.
Many of the properties at Brunswick Gate feature expansive views overlooking open green areas and the parkland whilst idyllic countryside walks are on homeowners’ doorsteps, promoting a healthy lifestyle and encouraging car free weekends. As part of the Mulberry Way initiative, Brunswick Gate also meets modern demands by providing electric car charging points, available for guest parking, as well as automated smart parcel delivery boxes, where parcels are guaranteed to be safe and sound. The peaceful village of Lower Stondon benefi ts from the harmony of rural living, whilst providing the option to explore the amenities of nearby Hitchin and Letchworth Garden City. Lower Stondon itself features Mount Pleasant Golf Club, a village hall and a thriving high street including restaurants, as well as a play park and primary school for those with young families. With yoga, Tai Chi and Scouts also on off er, the village community really does off er something for everyone. Hitchin’s off ering ranges from salons to chic coff ee shops and the glorious Hitchin Lavender Farm. Further afi eld, Bedford and Luton are a short drive away via the A6 whilst the A1 and M1 are just 15 and 25 minutes away respectively, providing quick access to major national transport networks. Commuters will also fi nd themselves at an advantage here: trains from Hitchin railway station reach London St. Pancras Intl. in just over half an hour, whilst Cambridge and Peterborough are both under 45 minutes away by rail.
Parkland Living Benefits
Promotes a healthy lifestyle Countryside walks on your doorstep
Enjoy car free weekends
Ideal for your pets
A warm and friendly neighbourhood
Shops and amenities close by
Moving Made Easy at Brunswick Gate
Moving is made easy at Brunswick Gate with home moving schemes such as Help to Buy and Part Exchange available with the added bonus of the recently announced Stamp Duty holiday with no Stamp Duty to pay on all homes in England up to the cost of £500,000, until 31st March 2020. The properties currently available at Brunswick Gate are the popular four-bedroom Sherbourne style home, priced from just £579,950, the executive four-bedroom Harrington style home, priced from just £639,950, the beautiful fi ve-bedroom Bradgate style home priced from £749,950 and the stunning fi ve-bedroom Watermead style home priced from £719,950.
Ask us about our Moving Made Easy Incentives *
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NEW SALES RELEASE COMING SOON STARTING PRICES FROM £549,950
CALL NOW TO BOOK YOUR PRE-ARRANGED APPOINTMENT 0333 121 1040
Enhanced photography depicts Stokes Rise and Brunswick Gate created by Mulberry Homes. Details and prices correct at time of going to press, August 2020. *Please speak to Sales Advisor for further information regarding incentives, appointments and all enquiries.
