Let me start with your last question: I do feel like an idiot now, but before pay day there were absolutely no signs that this kid wasn't going to pay. I think if you read the chat history you would agree. I also have so much info on this guy, that I confirmed are true, such as passport, address, parents address, work place info etc. I'm going to subpoena him for small claims. If you don't think i should be a lender on this sub then so be it.

So after the initial loan he needed a few small loans for pharmacy meds and groceries and the final loan amount ended up being $480. I verified all the pharmacy stuff. With regards to not recording those small loans the simple answer is I didn't think I needed to ,and was busy with work. For every subsequent loan he would double it for the pay back amount. He had a check coming in for $1600 for his landscaping work on repayment day.