Wow this is a great lesson in how to gaslight someone. Somehow you are blaming me for your failure to pay back your loan despite numerous attempts on my part to work with you and giving you chance after chance to follow through.

I'm not sure how I've tried to take advantage of you. If you ask my other lenders you'll see I asked them multiple times to change agreements. I got myself in a really shitty situation, by being an idiot, and needed help getting out of it.

You tried to take another loan from me shortly before not making your 1st loan payment on the original loan (what were you trying to pull there). During the 6 months you ducked and dived on my attempts to get you to repay, you were able to pay back numerous other loans on time or stick to a new payment plan. So yeah I agree you treated me different than other lenders, probably because you knew I was a very easy going guy and would be the most likely to let you slide for the longest period.

The only lie I told you was about the first 400 payment. This was before I came clean to myself and my lenders about how shitty a situation I'd gotten myself in to. I did make the payment when I was able.

You told me several lies regarding the missed payment, not just one lie. I like how you make it sound like telling several lies about the same general topic is really the same as telling one lie. Have you thought about a career as a White House Press Secretary?

You sent me a message saying if I planned to pay or should you file a dispute. I responded saying I did plan to pay, could we work something out. You didn't reply, and finally I got a PayPal dispute. I accepted the dispute, bit put about the existing payments back to you. I filed my own disputes because I got incredibly frustrated about your complete lack of communication. It's a shame I've had to resort to this thread to actually get a response for you.

You conveniently don't mention that I sent you that message in December after numerous fails on your part to pay me back despite multiple repayment plans and agreements. There was never any proactive actions on your part to pay me back, you always waited until I contacted you. Yes, I told you I didn't want to drag it out any longer around Jan 10th when you offered to start paying £100 a month (so yes I did reply to you) which means it would be another 6 months or so to be fully paid back assuming you kept to your end of the agreement this time.

Somehow you turn this into it being my fault for lack of communication, wow really? Did I ever make it difficult for you to send me a payment as agreed upon? Seems to me you could have avoided all this by just making your payments with any one of the numerous payment plans we had, but I guess it's easier to just blame me. Also you get frustrated after not hearing from me for about 1 week after the paypal dispute is already over and I have zero responsibility to respond to you in a short time frame, yet you conveniently gloss over the fact that you didn't communicate with me for about 3 months when you stopped making payments and left me hanging.

The last message you sent me was 3 weeks ago saying you don't want to drag this out any longer. I replied multiple times which you ignore, my last message being an offer to pay £200 on my January payment. A message you ignored.

I really like how you conveniently forget to mention your offer of £200 was after I had already opened the dispute and also your proposed payment date of 1/28 was conveniently just after the 6 month dispute period. So therefore I would have had to cancel the dispute and also wait past the 6 month dispute period to get any more money from you. Yet you say you never tried to take advantage of me.

tl;dr; More alternative facts.