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This is such a hard situation and I need some outside perspectives. (F-Fiancé, J-Fiancé’s friend)

I (28F) recently got knocked off of J’s motorcycle, I’m okay but still injured (unable to work right now). A driver pulled out of a side road without looking and took me out, they admitted full fault to the insurance company. I was borrowing J’s bike as when mine broke down I needed a commuter, and he offered to lend me his bike as he doesn’t use it. I got insured, offered to pay him and he turned my money away.

Cut to today. He has been calling F 10+ times daily since the accident on Tuesday. Not asking him how I’m doing, but trying to extract money from us because he is “out of pocket”. I reminded him that I didn’t cause the accident and the insurance will pay out and supply a hire bike in the meantime, but we needed his licence details to insure him on it. Turns out he doesn’t have a licence and cannot be insured. This pissed him off. He said since he can’t ride the hire bike, we need to pay him £50 a month until he either gets a new bike via insurance, or a cash out from them.

F told him this was ridiculous and to just wait, we’re currently not in a good place emotionally, physically or financially and he would get what he was owed. I told him I was grateful for him lending the bike to me, but I didn’t know it would lead to all of this.

J is now demanding random favours from F, such as fixing his plumbing because we “owe him” and is holding us morally hostage. He claims insurance could take 6-12 months to pay out, and he needs the bike NOW.

I spoke to F, and he’s sick of it too. I said we should just ignore him and if needs be, he can take me to court. Nobody signed anything as we thought it was friends doing friends favours, but I feel awful as this could end their friendship. I was riding the bike, but I wasn’t at fault for the damage. I don’t know what to do. Any insight would be appreciated on how to resolve this amicably, thank you.