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Letter Asking a Friend or Relative to Repay Borrowed Money

Structured brief Has example

Write a kind but clear letter asking a friend or relative to repay borrowed money, with the amount, dates and a simple repayment proposal.

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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it.

Write a kind but clear letter asking a friend or relative to repay money that I lent them. Inputs I will provide: the person [BORROWER_NAME], how much I lent and when [LOAN_AMOUNT_AND_DATE], what we agreed about repayment [AGREED_TERMS], what has been repaid so far [REPAID_SO_FAR], messages about it [MESSAGES_ABOUT_LOAN], the repayment I propose [PROPOSED_REPAYMENT], how the relationship matters to me [RELATIONSHIP_NOTE].

The letter needs to be warm and direct, state the amount and date, say what was agreed and what remains, propose a simple repayment schedule and ask for a reply by a date. It should avoid threats and blame.

Facts and papers worth gathering: Bank transfer records, messages that show the amount and the agreement, any written note, and a list of payments received. Realistic outcomes to ask for: Agreement to a repayment schedule, a partial payment now, a short written confirmation of the amount owed, or a conversation. A typical reply: People may be embarrassed or say they forgot; reply by staying calm, restating the figure and offering an instalment plan, and consider advice before any formal step [VERIFY].

Produce three versions of the letter for the letter asking a friend or relative to repay borrowed money, one firm, one neutral, and one final notice, each between 180 and 280 words with identical facts. Return the letter plus a short cover note, around 50 words, and next the steps to take for silence or refusal (ask in person or by call, then send this letter, then a final written reminder, then advice on small claims), then an evidence checklist (transfer records, messages, repayment list, written note). Send it as a PDF and paste the text into the message, then keep the sent message with its full headers and do not delete any reply.

Invent no statute or deadline; work from [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] and nothing else, and add a line telling me to confirm the rules with a professional or consumer agency. Put it in simple first-person words, with no claim to legal expertise. Hold a level, reasonable tone, with no insults or empty threats, use only the date in [DEADLINE], and say where an outcome is uncertain. This is drafting help, not legal advice.

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Dear Mark,
I hope you are well. In March I lent you 1,500 by bank transfer, and we agreed you would repay it by the end of June. So far I have received 300, which leaves 1,200. I would rather sort this out between us in a friendly way. Could you repay 200 a month starting on 1 September, with a text each month when you send it? Please let me know by 15 August whether that works, or suggest another schedule.
Best wishes,
Jo

• loan