Our expert says:
What they were supposed to do about it was to respect the fact that they borrowed the moeny from you and needed as soon as possible to arrange to be able to pay it back to you. So for a start, STOP lending money to ANYONE else. And check with legal advice, but remind your "friend" formally, of how much she has borrowed from you, that these were NOT gifts, and that she MUST make arrangements with you to pay it back.
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