I had a friend (note, had) who bought a gaming console (N64, I think) from one of the old mail-order catalogues. He did so through my mum as she pretty much did all of them back then (yes, I know it’s a s***ty scheme, but I knew no better as I was just leaving school, and he’d left a year or two prior.
He initially was paying, but after a few months, the payments stopped.
Mum: “[My Name], please remind [Friend] that he’s a few days late for the N64 payment.”
When I met him and reminded him later that day:
Friend: “Oh, yeah. I sold it.”
Me: “Okay, but what does that have to do with the payments?”
Friend: “I don’t own it now, why would I still pay for it?”
Me: “Uh… because you still owe the rest of the balance on it?”
Friend: *Speaking like he’s imparting wisdom.* “You can’t owe money on something you don’t own.”
Me: “Uh… yes, you can! The debt doesn’t just vanish! My mum is still paying the mail order company on your behalf.”
Friend: “Why? I don’t own it anymore!”
Me: “Because it’s not like the company goes, ‘Oh well, as you don’t have it now, you don’t owe anything!’ You need to pay my mum.”
Friend: “Just tell her to stop paying them, then. Whatever happens is between her and the company.”
I tried explaining this to him, lock, stock, and barrel, but he refused to understand. I think he actually did understand, but admitting that would mean he would need to start repayments.
The next day, I went over to his house while he wasn’t home. His dad let me borrow my friend’s car for a couple of hours. I drove it everywhere, running some errands, until it was almost out of petrol, and then left it parked in the centre of town.
Later that night:
Friend: “Where’s my car?!”
Me: “I borrowed it for a couple of hours.”
Friend: “So then where is it?! My dad said you borrowed it this morning!”
Me: “I parked it in town. Don’t worry, I only borrowed it for a couple of hours, so I was true to my word.”
Friend: “So then bring it back!”
Me: “Why would I do that? It’s not my car.”
Friend: “Because you borrowed it! You used it!”
Me: “Just like you used my mum to get that N64?”
Friend: “Are we back on this again?!”
Me: “Tell you what. Pay my mum the rest of what she’s owed, and I’ll tell you where your car is.”
Friend: *Click.*
I know my friend, and I know how he thinks. He is now arguing with his dad, blaming him for letting me borrow the car, and trying to get him to fix it. His dad, whom I know to be a fair man, is likely laughing at him right now and telling him that he needs to dig himself out of his own mess.
Ten minutes later, he’s calling back:
Friend: “How much is left on the N64?”
Me: “£300.”
Friend: “What?! That’s too much!”
Me: “Those mail-order items have high interest on the payments, remember?”
Friend: “F***! I’m not paying that much!”
Me: “How much did you sell it for?”
Friend: “None of your business!”
Me: “Okay, well, goodnight.”
I hang up this time.
Ten minutes later, he calls back and agrees to pay my mum the rest of what is owed. I even make him do a bank transfer and have my mum confirm it. I then tell him where his car is parked.
Me: “Oh, you might need to bring some petrol with you. I left it on fumes.”
Friend: “What! You need to pay to top it up!”
Me: “Why? It’s not my car.”
I hung up on him, and that was the last time we ever spoke.