Thats why Shakespear said this

"Never be a lender, nor a borrower be!" in "Hamlet".

Tell you something you may not want to hear:
"you will never get your money back again for sure!"

Thats my experience in the States.
AS a matter of fact, everywhere, you might encounter the same thing....
Learn a lessen from Shakespear, if you have ever heard of his name, and keep in mind of his words.
You will benefit from them the rest of life.

Regards