@p0ly 480194 wrote:
So I have a sneaking suspicion that one of my friends has been robbed by her friend.
A girl and her mate (also my friend) came over my house last week to apply for a loan online. My friend getting the loan needed a guarantor to get the loan so used my friend and it was going in her account.
It seems like the guarantor friend has stolen the cash and denying it’s gone into her account. If this has happened she’s probably gonna get her face smashed in and rightfully so, she deserves it.
But anyone to the question at hand, is the girl who originally got the loan gonna be in shit for being robbed? What will happen, will it fall back on the guarantor?
Depends on the circumstances but I can give you a rough outline.
A dispute between somebody who loans money and the person who they loaned money to is a contractual dispute – a civil argument. Sort of thing that goes through the County and High Courts. Not a crime, a dispute over money.
If somebody has DELIBERATELY falsified information in order to acquire money, then that is deception, fraud etc – a criminal offence.
Sounds to me like crossed wires between the bank, the guarantor, and the lender. As the guarantor would be the person liable, it makes no sense for them to hold out on cash as it should have been paid by the lender to the lendee (the customer who signs up for the loan).
The guarantor signs up for the debt IF the lender can’t pay the money back. Generally speaking they will have assets like property or business shares, some kind of cashable item that is the security for the amount borrowed.
Probably a storm in a teacup. In my opinion.
