Our expert says:
You have taught him bad habits by contionuing to lend money to him at all, let alone without a binding, legally sound, written and signed agreement about repayment. Speak to a lawyer and have the lawyer send him a stiff letter demanding payment and reminding him of the agreement. As Baby says, maybe he has been using your money to pay lobola for his new girl-friend, which is really lousy behaviour on his side
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