To: DEBTOR

[DEBTOR'S ADDRESS]

Demand for Purchase Reimbursement / Loan Repayment

I am writing to demand a full repayment of the Loan in the sum of $LOAN, together with costs and expenses incurred.

I have purchased [ITEMS e.g. four handbags], via WeChat store, on your behalf in the sum of LOAN. Given that you had no CURRENCY to make payment for the goods, I agreed to grant you a loan in the sum of CURRENCY LOAN (‘Loan’) to purchase the ITEMS. On this basis, on LOAN_DATEI had transferred the Loan to the vendor to purchase the GOODS on your behalf. I expected your full repayment of the Loan on REPAY_DATE

On PARTIAL_PAY, after you have received the four handbags, you had only made a partial repayment in the sum of CURRENCYREPAY_PARTIAL, with CURRENCY OUTSTANDING_AMT outstanding. At your request, I agreed your repayment of the the balance of the Loan in the sum of CURRENCY OUTSTANDING_AMT at a later date by DATE.

[On [DATE], you came to my store, complaining that the ITEMS were of poor quality. (1) You unreasonably requested for a refund of your REPAY_PARTIAL. (2) You also threatened to lodge a formal complaint to the government authority, that you have purchased defective GOODS from my store. These allegations were wrongful, malicious, and groundless. It may amount to criminal intimidation giving me tremendous mental distress.]

[I suggested that you should return the ITEMS to the vendor for a refund. But you have deliberately sent the ITEMS to a wrong vendor’s address, making it impossible to ship the ITEMS back to the vendor, to which I am not responsible.]

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