When dealing with this situation, politeness and firmness are key. Stay calm, your message should be clear that you expect the other person to meet their repayment obligations, while also avoiding being too tough to avoid a deterioration in the relationship.
Here's a possible example:
Dear (other person's name), I hope this message finds you all right. I would like to remind us about borrowing (the exact amount) between us. According to our previous agreement, the money should be returned by [specific date]. Sadly, I haven't received the money yet.
I understand that there may be some unexpected circumstances that can cause delays, but if possible, I hope we can resolve this issue as soon as possible. Please let me know when you will be able to repay this amount or we can discuss a repayment plan that benefits both you and me.
Please understand that this money is also important to me and I need it for some urgent matters. I sincerely hope that we can resolve this issue amicably and avoid any unnecessary trouble.
If you have any questions or need further discussion, please feel free to contact me. Thank you for your understanding and cooperation.
Best regards, your name)
Remember to communicate with respect and understanding, while also being firm in your position. Hope this helps you solve the problem smoothly.
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