Couple diligently repays a $10,000 loan from the husband’s parents until their father-in-law suddenly demands an additional $9,500 for “skipped” payments and unsolicited gifts: ‘I don’t want to pay him a cent more’

Family loans can be a slippery slope. On one hand, family members can help bail out their relatives without interest or controlling behavior, but oftentimes, that generosity can have strings attached. In the case of a couple who went viral for their family loan troubles, their repayment plan nearly doubled when they borrowed $10,000 from the in-laws. 

Apparently, the unsolicited "gifts" and skipped payments weren't a part of parental mercy, but a ploy to get more money out of their kids in the end. Ultimately, this is one family loan that got paid back in spades, but drove a wedge between a struggling couple and the selfish parents who only saw them as a recurring payment. 

Author image for Jesse Kessenheimer Jesse Kessenheimer
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  • Parental bailouts are nothing new in our society. In college, I had a roommate who received an allowance from her parents for food and utility payments, but oftentimes, within a week or two of receiving her monthly stipend, she'd suddenly be out of funds. However, her parents were well-off and completely unaware that their precious college girl was spending all of her money on parties, themed outfits, and socializing. Alas, whenever my friend would ask for money, they would oblige with no questions asked. 

    Until now, that's how I thought most parent loans worked. However, the couple in this next story is a warning story for anyone thinking of using their parents' bank accounts as a fallback. You never know what kind of strings will be attached…

  • Older couple looking at paperwork
    via pocstock

    Image is representative only and does not depict the actual subjects of the story.

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  • Am I the A Hole, for not wanting to pay my in-laws what THEY say, we owe them?
    via MamaOlive95
  • So, A little back story to give some context. About 7 ish years ago, my husband and I fell on hard times, he got layed off, we had to sell our house and move into a tiny apartment, sell one of our cars, and move 5 hours away
    via MamaOlive95
  • so my husband could start at a new job opportunity. This caused us a lot of financial issues with cost of the move, ect, not to mention, my daughter was barely a year old at the time, and baby expenses aren't cheap. My in-
    via MamaOlive95
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  • laws, offered to help us by loaning us a sum of 10,000$ to cover all expenses. We were so grateful to them, and it really helped us get back on our feet. About 5 years ago, we started paying them 250$ a month, slowly but surely paying them off.
    via MamaOlive95
  • Mind you there were a few months in that time which they told us to not pay that month so we could get Christmas gifts, or if an unforeseen expense such as medical or an emergency came up, they let us skip that month.
    via MamaOlive95
  • Sounds really nice right? Well here's where the road starts to get bumpy. 3 years ago, we changed banks, and not thinking we needed to, didn't get statements for the checks we payed them for the 2 years we used that bank. (This is important later)
    via MamaOlive95
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  • Now 2 years, at 250 a month is roughly 6000$, minus let's say 1000$, for times we "skipped" a month. So 5000$. We have continued paying them (with the new bank) for the last 3 years. That would be 9000$, again,
    via MamaOlive95
  • (and I'm being generous) minus another 1000. So 8000$. Together, that would be a total of 13000$. The extra 3000, was to cover a couple other times they helped
    via MamaOlive95
  • us out when we fell short, like when our water heater blew, and other emergency situations. We thought we were all squared away, but my father Inlaw has now stated that we still owe him a total of 9,500$, and that since we
    via MamaOlive95
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  • don't have statements from the first 2 years, we don't have proof we paid him for that time frame. He also claims that since they have bought things for my daughter, such as school clothes,
    via MamaOlive95
  • gifts, and occasional events that we now owe them for that as- well, not to mention they have occasionally covered dinners out so that's also added to the "bill". This astounds me, because we
    via MamaOlive95
  • never asked them to do those things, they always offered, or would just show up with these "gifts", and it was never said that we "owed" them for these things.
    via MamaOlive95
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  • My husband and I were talking this over after he had spoke with his dad, and I lost it. How could he basically rewind us back to square one? Demanding we now pay him another 9500$ on top of the 13000 we already paid him!? |
    via MamaOlive95
  • don't want to pay him a cent more then we already have, but my husband says he just wants to pay him and be done with it, never asking for their help again in the future.
    via MamaOlive95
  • But wait, there's more. My husband recently got layed off again from the current job he had, and so we stopped paying them for a couple months like we did before. When he got his new job, he excitedly called to tell
    via MamaOlive95
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  • them the good news, his dad's only response was "great, so now you can start paying us again". My husband and was understandably taken aback, and simply said "can we not get into that right now? It's a sore
    via MamaOlive95
  • subject. But yes. We can". Father Inlaw retorted back with "you should be grateful we were there for you when you needed us, it's not like I put tax on the amount you owed us, so it should've be a sore subject". Accept he DID, but now saying we owe him an extra 9,500$!
    via MamaOlive95
  • I am absolutely disgusted by this, and I don't want to pay him a cent more than we have, but husband just wants to keep the peace, and says that we should just give him the money and be done with it. So, would I be the ahold if I refused to pay them what THEY say we owe?
    via MamaOlive95
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  • Chocolatecandybar_ The fact he told to his son's face that since he doesn't have proof of two years of payments then he has to pay again is enough to prove the scam tbh. Go NC and let him deal with the loss of money and family
    via Chocolatecandybar_
  • vrcraftauthor. NTA They want to charge for gifts they bought your daughter? Hell no, that's just tacky. Ask your bank, they can get the records. And the next time you need a loan, ask literally anyone else.
    via vrcraftauthor

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