So my good female friend needed a loan last year and wanted me to ask my guy friend (who loans money) if she could get a loan of $800.00 from him. He said yes and loaned her the money and he even got collateral from her which was a diamond ring and bracelet, then had her sign a promissory note saying if she doesn't pay the interest within that month he can sell the collateral. I later asked him if I could just take over the loan since I had the money and he said I could if I wanted. So I did. I never told her I took over the loan because I decided it would be better to keep money and friendship separate so she still thinks she has the loan from my friend so believes I just collect from her to give to him.
So I have been collecting the interest from her every month plus whatever she can pay in principal then I have her sign a paper saying she paid this amount on this date and the remaining balance. So I haven't received any payment for Dec. so I messaged her that it was time for her payment and she tries to say she already paid for Dec. So we go back and forth and she reluctantly says she'll give it to me this week. She tried to say she gave me the money the middle of Dec. and I didn't have her sign the receipt and I said I always have you sign a receipt. She tried to say that I said don't worry about the receipt. I ALWAYS have her sign the receipt.
WTH?? Does she really think she paid me?? I have all the receipts and even have all the money she paid in a drawer. I have NOTHING for Dec. The bad thing about all this is she's only paid $100 in principal since last July and the rest has been to just cover the interest for the month. I stood my ground and said I don't have it. Now I feel like she's pissed off at me. She paid the last Payment at the end of Nov. so I think she's getting confused with Nov./Dec.
I hate to see this affect our friendship. Am I handling this right? Any suggestions? Advice? I'm really irritated