An open letter to Windy Ho

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, I am writing this because an open letter is the only way I know of to hold him accountable. I waited four months to write this in order to have a more considered view of events.

For background, I had lent Windy thousands of dollars over many years on the basis of nothing but our friendship. Here is a list of transactions related to that loan. Then in the summer of 2025, for reasons I still do not understand, he stopped being friendly. We started to negociate a repayment plan for the aproxiately $18,000 he stilled owned me when he emailed me a request to delay some payments because he was moving. I was still being friendly and nice to him and I agreed to the delay. Then he started acting in bad faith by withhold information, misleading me, and threatening not to pay me back.

I had to threaten to sue him to get him to sign this contract. Then he did pay me back.

Windy, 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, a perfectly reasonable request considering the amount of money you owed me and the fact that you didn't always respond to my 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"

I had always been kind and honest to you and had done nothing to garner such a negative and unfriendly response. You didn't say "if you failed" but "when (you) failed to pay", it sounds like you had a plan.

You knew that when 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?

And you continued to keep it from throughout the contract negotiation, again 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. In return, I got hostility and lies. You signed that email "Thank You" but it would have been more honest if you had signed it "F you".

What makes it even more evil, is you didn't move, the address you were keeping from me was the very address that I had been writing rent checks for all those years. Those rent checks where most of the money you owed me. How much more contempt and disrespect could you have towards me than withholding that address?

Windy, do you know that it is wrong to use people? Specially, when it's a financial gain for you and a loss for them.

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

I am not religious, I don't know what a saint is, whether you are a saint or not 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 to thank me for loaning all that money and forgoing all that investment income, your going to walk the other way to avoid me because we both know what you did.

Windy Ho, why are you so dishonest?

When you signed that contact and attested that everything you ever told me about the money I had lent you was true, you more than just lied, you committed fraud. Not every thing you told me concerning the loan and your payments was true.

Most of your lies were much more silly and childish than that.

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.

I had waited for months for you to tell me you were dating someone. When I finally revealed to you that I knew, you replied that you had just started dating and hadn't told anyone. If you hadn't told anyone then I did I know? Or the people I talked to about him at birthday party months earlier know? I still don't know what motivated that secrecy or those lies. Was it that you don't want me to reveal the lie you told him about traveling with me in Portugal? Are there other lies you are afraid would be revealed if me and him ever started comparing notes? What lies have you told about me?

Not all your lies are just silly lies about personal relationships, sometimes you lie for your own economic benefit and to the economic determent of others.

Your lie about moving wasn't just a silly personal lie, it was lie for your financial benefit, 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, I said yes. 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. Now this letter has come full circle back to the bad faith email it started with.