Since this is an open letter and I still intend to act in good faith, if you would like to answer any of these questions or to respond, I will post your response here. You have my email, you can send your response there.

And for those who are not Windy, here is some background documentation.

1. A list of all the loan transactions from 2020 to August 2025 when Windy lied to me about moving.
2. All our email correspondence from when he asked to delay payments on August 22, 2025, to the end of Sept 2025.
3. The contract he signed attesting that everything he had told me about the loan and his payments was true even though some things he told me were lies.

Why did you act in such bad faith towards me?

You misled me, you led me to believe you had moved then you refused to give me your new address. I had always acted in good faith towards you, I was honest, kind and had lent you a lot of money. I allowed you to delay payments when you claimed you were moving. After you failed to respond to one email, I sent another asking for your new address so I would have another way to contact you since you didn't always reply to emails. Instead of acting in good faith and giving me your address, you wrote this:

"You don't need to find another way to contact me. You have my phone, my email, my DOB, and my work address, so you can find me using those when I failed to pay you. Thank you"

You knew that if you failed to pay me and I had to pursue legal action to recover my money, I would need that address in order to serve you a summons. I did need your address. You didn't need to keep it from me, but you did. Why?

There are only two reasons I can think of for your behavior:

1. You intended to stop paying me and wanted to make it hard for me to get my money back when you did.
2. You wanted to piss me off and disabuse me of the idea that we had ever been friends.

Personally, I think it was both.

Either of those would be an act of bad faith. I was honest with you, I always acted in good faith and I had lent you tens of thousands of dollars on nothing but the friendship I felt towards you. In return I got hostility and lies. You signed that email "Thank You" but it would have been more honest if you had signed "F you".

Do you know that it is wrong to use people?

You used me. You pretended to be my friend so I would lend you money. When I pointed out that the fact that the last time I saw you was also the last time you asked to borrow money, made it seem like you were using me. You replied "I'm not a saint…", a tacit admission of guilt.

I don't know what a saint is. I am not religious, and whether you are a saint is between you and the Pope. I only expected you to be a good person, to be honest, and to act toward me with the same good faith I showed you. But you didn't.

I am human and I don't like to be used. Over the course of our supposed friendship, I lent you nearly $100,000 without interest. That loan saved you approximately $6,000 to $7,000 in interest, but it cost me. Had I invested that money instead of lending it to you, I would be $15,000 to $20,000 richer than I am today. I am poor but would have gladly made that sacrifice for a friend. But you weren't a friend, as soon as you got the money you wanted, you stopped pretending to be my friend.

If by chance we meet on the street, you are not going to walk up to me and thank me for loaning all that money and forgoing all that investment income, your going to walk the other way and avoid me.

Why are you so dishonest?

You invited me on a trip to Portugal and Spain then didn't want me there because you had lied to your BF and said I was not with you on that trip. But I didn't know about that lie, all I knew was you invited me on a trip then you acted like you didn't want me there. You didn't want any evidence I was traveling with you such as pictures of us together, and you seemed to only want me there to drive you around and pay for your meals.

When I asked: "Do your friends know I am with you?" You didn't say, "Yes, of course they do, I tell everyone the same thing, the truth". Instead you said that some people knew you were traveling with me and some didn't. But even that was a misleading lie, you were lying to me by leaving out the fact that you had lied to your BF. How you acted toward me on that trip made me feel sad. You saw I was sad and that stressed you out, so blamed that stress on me. I was the problem.

You never confessed or apologized for that lie and you never told me you were dating someone. Months later, in July, when I revealed that I knew about your BF, you said you had just started dating again and hadn't told anyone. In fact you had been dating him for at least six months and many of your friends knew, I talked with them about him months before at your birthday party and I had known weeks before that from second hand sources. You had been dating for months and lots of people knew you were dating. I had been waiting for months for you to tell me, but you never did. I still don't know what motivated that secrecy and those lies. Was it that you don't want me to reveal the lie you told him about traveling with me in Portugal?

I know why you lied to me about moving, it was to delay paying me back $1,800 of the money you owed me. You had planned on moving and you asked to delay payments because you were moving. I was nice and kind, so I agreed. But you didn't move. You misled me into thinking you had (which is the same as lying) and delayed those payments even though the reason for delaying them no longer existed.

It is a sad irony, you hadn't moved, the address you were keeping from me was the very address I had been paying your rent on for years. How much more contempt and disrespect could you have towards me than that?