I will add my thoughts regarding Mr Peter Phelps.
He borrows money, but he doesn't repay it.
He borrowed in excess of two thousand dollars from a fellow traveller whilst in New York several years ago but has refused to acknowledge it's return. The 'fellow traveller' was my son, and the money he loaned we transferred across to him. How about being honourable just for once in your life Phelps and return the money?