Environmental Advocate Responds to Loan Demand Letter: “My Bank Account is Empty, but My Purpose is Full”
Environmental activist Joshuanette “Joshy” Francis has gone public with her financial difficulties after receiving a formal demand letter from the Eastern Caribbean Amalgamated Bank through law firm Richards & Company.
The letter, dated 4 February 2025, indicates that Francis’ loan account has been in arrears, with a total outstanding amount of EC $8,569.07, inclusive of late fees. The bank has demanded payment by 14 February, warning that legal action may follow if the amount remains unpaid.
According to the correspondence, the arrears as of 31 January stood at EC $4,182.07, with an additional EC $2,800 in late charges. A further installment of EC $1,587.00 had also become due on 2 February but was unpaid.
In a passionate and deeply personal public post, Francis shared the toll her unpaid loan has taken, tying it to her broader mission of environmental and social justice. “The image you’re seeing is my current reality: a loan in delinquency,” she wrote. “Because for the past 7 months, I’ve been working without a salary, driven not by comfort, but by conviction.”
Francis, who lost her job at Sheer Rocks restaurant, said she chose to devote herself fully to Good Humans 268, her non-profit organisation focused on environmental sustainability and disability rights. Despite facing what she described as heartbreak, sacrifice, and financial ruin, Francis insists her mission remains unwavering.
Her vision, she says, includes eco-communities, eco-events, and green jobs, but at its heart is a campaign for dignity and opportunity for people living with disabilities—like Dianna, whose struggles inspired her to act.
“So yes—my bank account is empty, but my purpose is full,” Francis declared. “This isn’t a pity post. It’s a purpose post.”
She called on supporters to help fund the work, push the mission forward, and “move the bottles”—a reference to the plastic waste collected in her John Hughes community as part of her advocacy.
Francis’s public stand has sparked conversation around the personal cost of activism, especially for grassroots leaders who often operate without institutional backing or stable funding.
No comment has yet been issued by the Eastern Caribbean Amalgamated Bank.
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Mental illness is a serious thing.
So what is this for? her own personal loan. So you nah work. All this publicity about philanthropy to better the environment and you not taking care of your own responsibilities, so now you want people to pay your debt. How irresponsible can you be, but leave it to a woman to feel entitled to go beg for others to take responsibility of your own delinquencies and irresponsibility, but more than likely someone will pay her bills. Go look work and pay your bills man. Some people know how to put up an image for society but in reality their hands dutty. Every time I hear her talk something in me mek me feel dat she fake, jus ah vybe. Go to CALVIN AIR he will pay your bills lol lol,
Police!!! False advertising!
She is not being a good human LOL
She was a good teacher and gave up teaching to follow her passion. I am saddened by her putting out this in the public and the negative responses.
Madam this loan is a small amount of money. Get a Job, go into the bank and they can reduce the interest accumulated. You are still very very young and energetic, with a good head on your shoulders. Go back to teaching , even an after class or in a private school even if it’s just to pay off this loan.
Next you have to try and live a more balanced life. You alone cannot change the world. You are going to leave it worst than you met it. Life will go on with or without you baby girl.
So please look about yourself first, second and third and then some. People are ungrateful. The crooks get along. Those that use government for self enrichment use this type of money to wipe their butt or buy a side chick a jewelry, or a thief away to St.Martin for dinner.
So be honest to God and yourself. Take care of yourself first. Build yourself a nice business. You have a thinking head , great abilities and drive.
Get up dust your pants off and get going. Do not let this send you into a depression and sorry for self mood.
I never met you but as an ardent listener to the radio. I listened to you on observer radio, with Dave Lester Payne and before that when you were walking around Antigua. I like your vibes, your energy.
Go girl, go . Get up and go. This is a small obstacle.
Perpetual PECADO ORIGINAL..sad for her…
I think she should go back to teaching. You need an income first, then negotiate payments terms with the bank. Remember it is depositors money that was loan to her and when someone go to the bank to withdraw money to buy food and pay bills, the bank cannot tell them they have to wait on people like her to repay their loan.
She cant be talking serious? You cant pretend borrow money, use it, then when is time to pay back come with this Story. I can understand some job are not the best, but when you borrow money (You choose to borrow money) you need to do that job at least until pay back.
Creating “Non-profits organizations” to pay your debts is not a good move, money that you may collect is to do the activities for that organization not for your personal wishes. even if you may find some personal benefits from that organization, you are starting one just asking people help you with your personal debts.