My (now ex) girlfriend claims to be stuck paying off her late mom's debt. Shortly after the start of our brief relationship, it became apparent my purpose in the relationship was to help finance her sick mom's health-care.  Even, after we broke up, I helped a little, all the way up to the funeral a few months later.  She (only child) sold off assets and paid off debts, but was left with an "informal" debt as she put it.  I'll spare the gory details and I'm sure there's something lost in the translation, but it involves "mafia", threats to be sent off to work in a bar, threats to harm an aunt who has taken her in should she decide to flee etc.  The problem is she is doing low-paying work to pay off this debt, when she could be working as a university-educated accountant in a bigger city as she did when she was with me. She is not asking me for money.  Is this story believable or even possible here?   

She's not legally responsible but this sounds as though the debt was not incurred from a traditional, legal source.  It could have been from a loan shark and they do not work within the parameters of the law, so, yes, the story has some credibility.

She must owe money to loan sharks,quite popular here,

depending on how much she owes,the pressure from

them for repayment will vary,most just want the borrower

to pay interest every week,so they are hooked for life.

Now she is your EX ,dont worry about it.

regards Worgeordie

 

Yes, possible.  

1 hour ago, worgeordie said:

pay interest every week,so they are hooked for life

Yes, she is paying 2000baht/week which goes to interest only, incurred from mom's gambling debts, she says. 

If you really want to help her.Find out what the full amount actually is and pay if of in one go.She can pay you back interest free instead.

And yes the story may very well be true.

 

If you pay, pay directly to the creditor. Make sure you have a signed receipt in Thai and a signed transcript in English, with the remark, that with this final payment the loan has been payed off completely.

If she’s only paying 2000 a week the actual debt can’t be a lot . If they are only charging 10% a month ( which is low for a loan shark, that is threatening to send her to a bar ) it only works out to about 80,000 baht 

Everything is possible but what I find little off is after she sold all the assets she paid off all other debts but not the one with highest interest and danger. This makes no sense to me.

 

 

16 hours ago, Odin Norway said:

If you really want to help her.Find out what the full amount actually is and pay if of in one go.She can pay you back interest free instead.

And yes the story may very well be true.

 

haha I can pretty much guarantee the minute he pays off her debt she will ghost him and he will never ever see any of the money repayed.....

Runs up a debt with a loan shark to pay for her sick mom's free health care.

Sounds doubtful IMHO.

 

Not sure why you would have any contact with an 'ex-gf' either, different if you have children together of course.

20 hours ago, RoyLee said:

My (now ex) girlfriend claims to be stuck paying off her late mom's debt.

So why is she telling you this ?

 

20 hours ago, RoyLee said:

my purpose in the relationship was to help finance her sick mom's health-care.

I am assuming you did your good deed, now her mum has passed, no more finance for mom's health-care required, end of story there.

 

20 hours ago, RoyLee said:

Even, after we broke up, I helped a little, all the way up to the funeral a few months later.

Of course you did, did you think it was going to stop ?

 

20 hours ago, RoyLee said:

but was left with an "informal" debt as she put it. 

I don't see what her "informal" debt has got to do with you, she is your ex and you didn't ask her or her mom to create such debts from loan sharks, right ?

 

20 hours ago, RoyLee said:

I'll spare the gory details

It's all glory, a million stories a day come out from these girls, I see it and hear it all the time as others do, it's ways of extracting money from good hearted farangs.....period.

 

20 hours ago, RoyLee said:

but it involves "mafia", threats to be sent off to work in a bar, threats to harm an aunt who has taken her in should she decide to flee etc. 

 

20 hours ago, RoyLee said:

The problem is she is doing low-paying work to pay off this debt, when she could be working as a university-educated accountant in a bigger city as she did when she was with me.

Her choice.

 

20 hours ago, RoyLee said:

She is not asking me for money. 

She doesn't have to, all she has to do is tell you her sob story as others do and Mr Farang will come to the rescue to feed their needs, whether it be gambling, drugs, boyfriend or buying land, building a house, etc, etc, etc, and of course farangs are suckers and they know it, a lot of them even lie to their husbands to access funds to put them in a better position, I believe it's called the power of the pu$$y for those who can't see between the black brussel sprouts.

 

20 hours ago, RoyLee said:

Is this story believable or even possible here? 

You shouldn't even be asking, Thailand is Thailand, and every country has a story or 2 or 3 million, i.e. if your a good listener, perhaps if you are thinking of giving her any money to help her out, you would be better off purchasing yourself a violin and take up violin lessons, that would be enjoying as you stroke away at the strings, ah, music to my ears.

 

Move forward, it's ok to say no, even though she hasn't asked you for money, she has done so by telling you her story. I have faith in you, look after number 1 and look for people who don't have stories and you might just get to where you want to be, or join the many other disgruntled farangs who have bitten the dust, from "no fault of their own" ????

Instinct tells me you should have nothing mote to do with this girl, or her alleged remaining debt.

Lololol TOTAL SCAM.........don’t be fooled by this <deleted>.

 

All you have to do to make this go away is ask for proof.  DONE.

A strong dose of scepticism is required here. I would not trust them as far as I could throw them. Not your responsibility and as you say, she chose not to pay the alleged most dangerous debt first? Wake up and smell the coffee.

20 hours ago, RoyLee said:

Yes, she is paying 2000baht/week which goes to interest only, incurred from mom's gambling debts, she says. 

You paid for her mother's bills at the hospital even when she had almost "free" health care. 

"Believe none of what you hear and half of what you see."

she cherry picks the little Debts, yet she's University qualified Accountant! 

7 hours ago, justin case said:

sick buffalo story, you might be boyfriend nr 5 that is paying for all you know

 

just think: how did those women ever live before they met you, the ATM ?

He is not payi9ng anything of the debt.

6 hours ago, BritManToo said:

Runs up a debt with a loan shark to pay for her sick mom's free health care.

Sounds doubtful IMHO.

 

Not sure why you would have any contact with an 'ex-gf' either, different if you have children together of course.

No, she is paying interest on mom's debt, not for health care.

5 hours ago, Captain 776 said:

Lololol TOTAL SCAM.........don’t be fooled by this <deleted>.

 

All you have to do to make this go away is ask for proof.  DONE.

When I first got together with my, now wife, she told me that she had a 10k debt to a loan shark in her village and that she hadn't payed the interest for months and the debt was now 17k baht. She also said that the woman was harrassing her family who had given the loan shark her phone number to get her off their back and she was getting some very threatening phone calls.I thought "scam 100%". I told her that as we were going to the village in a couple of weeks, I woukld pay the debt off personally.

 

When we went to the village, my wife took me round to the woman's house. She had a proper ledger with my wife's debt in it and a contract signed by my wife. I asked her how much my wife owed and she said 17k baht. I pulled out a roll with 10k in it and said to her, "Sign the contract off as paid and i give you 10k or we walk out of here now and you don't see either of us again". She signed the contract and snapped the money out of my hand.

 

I've since learned that it's a very common occurrence in Issan villages.

"Shortly after the start of our brief relationship, it became apparent my purpose in the relationship was to help finance her sick mom's health-care."

 

And now you want to take care of her debts at the loan sharks and afterwards you will take care of... But what do you want to achieve by doing this? That the relationship might start again? That she will be grateful until the end of your days? Or what? 

20 hours ago, BritManToo said:

Runs up a debt with a loan shark to pay for her sick mom's free health care.

Sounds doubtful IMHO.

 

Not sure why you would have any contact with an 'ex-gf' either, different if you have children together of course.

i have contact with most of my ex"s no kids involved and have sex with some still.

On 11/22/2019 at 6:33 AM, Tomahawk21 said:

i have contact with most of my ex"s no kids involved and have sex with some still.

you also pay their gambling moms debts?

On 11/21/2019 at 10:13 AM, Captain 776 said:

All you have to do to make this go away is ask for proof.  DONE.

Why be so meticulous?  This is a nonsense story particularly as was never mentioned before her mother's death.  Give a very wide berth and get on with your life.  

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On 11/27/2019 at 7:28 PM, zhounan said:

you also pay their gambling moms debts?

NO ! I am am not that stupid. thx

On 11/21/2019 at 9:05 AM, fxe1200 said:

If you pay, pay directly to the creditor. Make sure you have a signed receipt in Thai and a signed transcript in English, with the remark, that with this final payment the loan has been payed off completely.

Absolutely, and when you have all that that from the village loan shark, don't forget to get their current business card with e-mail, SWIFT Code and all current social media and international branch addresses in case you need them again.

On 11/20/2019 at 6:52 AM, Just Weird said:

She's not legally responsible but this sounds as though the debt was not incurred from a traditional, legal source.  It could have been from a loan shark and they do not work within the parameters of the law, so, yes, the story has some credibility.

yes. sorry, this post has credibility. sad fact. sadly true. 

unofficial loan does not belong to any other but, the sharks will say (threaten)otherwise.

unfortunately i have experience of this. not pleasant...

Interesting to read all comments;

 

but at the end :

 

It is up to you to believe her story, or not. 

It is up to you to finance her, whatever you believe her story, or not. 

 

Do what you think is right/best for you. 

 

 

The veracity of the claim doesn't matter. If a mafia-like loan shark is threatening her to pay her dead mother's gambling debts: RUN! If she's lying that a mafia-like loan shark is threatening her to pay her dead mother's gambling debts: RUN!

 

You're actually lucky if she's lying. Because if the thugs threatening her find out that you're the cash cow, they will start threatening YOU.

 

As I said: RUN!