Hey Pat,
What a wonderful story. It is really nice to know there are still some very caring and giving people in this world. They do seem far and few in between, which makes them all that much more special.
Some people that are giving and caring to make the offer they did to you, can get their kind gesture turned into them being taken for granted and taken advantage of. That’s truely sad, especially when it makes people hesitate to offer in the future.
I’m happy someone was watching over you and sent a good neighbor your way when you needed your late payment so badly. Maybe you have a guardian angel. 