(I suspect this looks a bit like a homework question. Its not. I have tried to distill the question as much as possible). I'm interested in how this would typically be answered in countries based on English law (the events happened in New Zealand)
Mr Debtor asks Mr Creditor for a loan on the basis that Mr ThirdParty will pay Mr Debtor money within a month. Mr Creditor verifies this information with Mr ThirdParty and issues Mr Creditor a short term loan on the strength of this verification.
Mr Debtor defaults and it turns out that Mr ThirdParty did not pay Mr Debtor.
Does Mr Creditor have recourse against Mr ThirdParty and why ?
(I assume that there is no contract between Mr Creditor and Mr ThirdParty because no money remuneration was provided to Mr ThirdParty, but I'm not clear if Mr ThirdParty can misrepresent to Mr Creditor with impunity )