nothing of the sort mate

the guy has arranged to go and meet this character with another person who also is owed money and they wish to resolve the matter so if he's not there then obviously it's come to a point where he's not to be trusted

besides, if someone owed you money and you didn't have the cc company to chase the £40 the principle is still true

also, don't hold grudges, either do something about it as soon as you can after the event or forget about it, because 10 years down the line you don't know what the score is

and finally, i know it's what i'd do if it were my money i was getting screwed for, but i'd also be wise enough to have a good alabi as to my whereabouts