Hi guys ... thank you so much for your input. Yes this is a small sum in the grand scheme of things and she does have enough funds remaining to complete a ppl and a commercial training package. As you can imagine she sees this money as a gift from her father who died and is dreadfully upset and I feel responsible . As for Maria ...I did tell her I was uninterested in her situation as I suspected she was having a relationship with Ted and that SHE was indeed responsible. I can only wait and see. Yes I will ensure that Mairi pays as she goes along for now . Neither of us owns a credit card .A lesson learned but I am pursuing it through legal channels and other means .