Worked with her for quite a while. She wanted to move to be with friends and needed a larger loan than usual, told me it would be settled in about 50 days. No problem, made a deal with her. Ends up she spent the money that was coming during the move, because the move was more expensive than she planned.
Wanted to re-negotiate. No problem, I am flexible. Wanted to take it out from 50 days to 160 days or so, didn't want to pay extra either. Then slowly the weekly amounts she was paying was less and less, lots of weeks missed, most weeks when she sent something were $50 instead of the $150-200 a week, skipping rent week, that was agreed upon.
Pushed her to pick up the pace and she just kept ignoring the schedule and my messages, really hard to deal with when you are realizing every weekend this summer was camping, shrooming, fishing, etc.
We had gotten to where the interest was paid when I finally couldn't wait and decided to recover, after all her last 3 payments totally ignored my comments about this dragging on. I know she didn't care, but at the rate we were going, she wanted the loan to go 15+ months for less than a credit card would do 9. That and I couldn't risk her just saying "F it and moving on."
It isn't fair to other borrowers for me to continue to risk that amount on the good faith of someone who isn't keeping their word or priority, when I am trying (after some medical bills and other strategic expenses) to get enough capital to risk to start working regularly with newer people again.
No longer in FL, now in WA. Initials are KH.