An open letter to Windy Ho (aka Windeeelicious)

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 5+ years on the basis of nothing but what I thought was 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 very bad faith by lying to me, feeding me misleading information, informing me there would be a time when he would fail to pay back the money I lent him and refusing to give me address so I couldn't sue him when that time came.

I had to threaten to sue him to get him to sign this contract. He committed fraud by attesting that what had told me about loan and his payments was true when he had lied. And, he almost immediately defaulted on the contract. He did eventually pay what he agreed to in the contract and a small plenty due to his default.

Windy, why did you act in such bad faith towards me?

You owed me nearly $18,000 which I had lent you based solely our supposed friendship. Instead of acting in good faith to repay me, you lied above moving so you could delay $1,800 in payments. Then refused to give me your "new" address when I asked for it. You didn't respond to my first email, so I had to send another. This was your reply:

"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"

(The complete email chain.)

You were not only dishonest, you also stated there would be a time when you would fail to pay me back (you said "when" not "if") and then you refused to give me your "new" address. You knew that Without that address it would be very difficult for me to pursue legal means when that time came.

I would need that address in order to serve you a summons when you stopped paying. 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.

Either of those would be an act of bad faith. I think you intend both.

I had to threaten a lawsuit in order to get you to sign a contract. Even then your bad faith continued and you defaulted on that contract right after signing it.

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 act toward with some level of integrity I gave you.

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?

Most of your lies were silly and childish. 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. That wasn't true, I had talked him with other of your friends months earlier at your birthday party.

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.

You signed a contract with me and in that contract you certified and warranted

"⋯ that all statements and information provided concerning the Loan and prior advances are true, accurate, and complete in all material respects, and that no material fact has been knowingly withheld."

But not everything you told me about the load and repayments was true. Signing a loan agreement while knowing false statements means you committed fraud, which elevates those lies into an intentional legal offense. It was lie for your financial benefit and my detriment. (see email chain.)

Again, I was honest with you. I was kind and nice and tried to help you when I could. And you paid me back with lies, disrespect on all your other toxic behaviors.

I hope someday you come to see that things like integrity, honesty and treating people with respect are more valuable than handbags and instagram photos.

I had always acted in good faith towards you. I was honest with you. I was kind and caring to you. I gave you rides to and from work when you sick or just too weak to bother with transit. When you were nicked by a car and came to the hospital and wait for you to get treated, took you home and made certain you had what you needed. And I had lent you a lot of money on nothing but the basis of friendship I felt.

You repaid me with lies and disrespect then tried to set up the circumstances so when the opportunity arose you could fail to pay me back without consequences.