Am i Guilty? , Have i committed a crime ?

[Guest]

I am a married man, I met this woman and fell for her, I couldnt help it. I told her a fake name. I was with her for 2 years. I borrowed £9000 of her towards then end of our rocky relationship saying i would pay her back which i am going to.She paid the money into my sisters account. We then broke up . I paid a couple of payments then i lost my job i didnt pay her for a month and then she texts me saying she wants all the money or else she is going to the police ........Yes i am not an angel. Can i get arrested or whats the worse. is it a civil matter ?

[des8]

Failing to repay a loan is a civil matter, not a crime. The only way it would be a crime is if the funds were obtained by means of a fraudulent transaction or duress. If you were given the money and have simply failed to repay it, this would not be a crime even if there was a loan agreement.

There is however possibly the question of deception. If the money was given for a particular purpose and was not used for that, it may fall into the category of being obtained by deception. This would be strengthened if the project did not actually exist in the first place rather than simply falling through.

Idon't suppose there is anything in writing, so if she was to take civil action she might have problems proving 1) it was a loan not a gift and 2) it was was to you as it was paid into your sister's account.

[Jinxer]

Does that all apply with fact of using a false name.

[des8]

It is only against the law to use a false name with the intention to defraud.

[Jinxer]

Married man using false name taking 9k off someone and laundering it through sisters bank account and then shortly after getting hold of the money not wanting nothing to do with the supposed rocky relationship.
I could see how the Police could arrest and investigate that if reported.

[MUCKER1]

If i wanted to do fraud i wouldnt be paying her back through my bank account. I have told her i dont want to be with her then she starts making demands of paying all of the money back. I only used a false name because i was married and thought it would be a one night stand but we carried on, i did have feelings for her.

[des8]

IMO the police at the most would make a cursory investigation, and on the information given there would be no prosecution as intention of wrongdoing would be difficult to prove.

That always supposes the lady in question would actually make a complaint to the police

[jimbo1966]

I'm new here, but this story rang a bell. A friend of mine started a relationship with a woman. She lent him some money (less than £10K) and let him live rent free in her house for a while. He helped her with some problems she had with her house, so it wasn't entirely one way. They split up and she went to the police. A lot of allegations that he wasn't sincere, that he'd "done the same thing before" - ie started a relationship for the purposes of obtaining money. He claims he has paid her back and that he was totally sincere. (They had met each other's families etc.)

The police took an interest and he had a number of interviews under caution. She wasn't very credible and eventually started harassing his family and new girlfriend after they split up. She disappeared when she got sued by her own solicitor after refusing to pay her bill.

The point is, the police did take her allegations very seriously even though there really was no evidence.

[james_law]

Its a civil matter so no the police would not get involved. And as des said you have to have an intention to defraud, from the facts there is no such intention and would be too difficult to prove otherwise.