Online & other › Money lent not returned
Gave cash to a relative, nothing in writing
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Make my own list — free, 2 minutesYour situation
- How was the money given? Cash
- Is there anything in writing showing it was a loan? Nothing in writing
Where you stand
- Be careful Cash with nothing in writing is hard to prove — look for any message mentioning the loan.
Do these now
- A dated list of every amount given and every amount repaid
Your advocate needs the exact balance claimed. Where: Your statements and notes. - Ask your advocate whether to send a written demand or a legal notice
A demand and the reply (or silence) can matter later. Where: —
Papers to gather
- Proof of where the cash came from (withdrawal slip or statement) and when it was handed over
Supports a cash loan. Where: Bank statement, ATM withdrawals. - Messages around the time of the payment (them asking for money, saying why they needed it, or promising to return it)
Without a signed paper, the surrounding messages often show the money was a loan and not a gift. Where: WhatsApp, SMS, email, call log. - Borrower's full name and current address
Needed for a notice or a case. Where: Your records.
You may also need, depending on your answers
- Complete chat where they accept the debt or promise to repay — Shows the money was a loan and may affect time limits.
- Records of any part-payments they made — Part-payment supports the loan and may affect time limits.
- The original cheque and the bank's return memo — Needed for a cheque-bounce case.
- The cheque (check its date) — Cheques are generally valid for 3 months from their date.
- Names and contact details of people present — Can support an oral loan.
- Your written demand and any reply — Their response may admit or dispute the debt.
What the law says
Time limits apply to money claims. A written acknowledgement or part-payment can affect them. Your advocate will check.
General information, not legal advice.
Saboot will also ask
- When was the money given?
- Since then, has the person paid anything back or admitted the debt?
- Did they give you a cheque for repayment?
Similar situations
- Lent money to a friend and he is not returning it
- Lent money and only have WhatsApp chats as proof
- Borrower admits the debt but keeps delaying
- Lent money over three years ago
- Gave money for a business that never started
- Ex-partner borrowed money and stopped talking
- Paid a deposit to someone for a deal that fell through
Sources
The full guide: I lent money and it has not been returned · All situations

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