January 25, 2006
Last fall you borrowed US$6,000 from me with the understanding that you would pay it back at the end of the year. But it is nearly February and I have yet to hear from you. I hope I am correct to presume that you have merely been delayed in repaying me.
Let me add that I am not really concerned about the interest you promised me. But I hope you can at least pay back the principal. If you are having financial difficulties, you can return the money in installments, but I would like to have it all by the end of June at the latest, and at least half of it by the end of February. I would like to give you more time, but I need the money myself.
borrow sth from sb 向某人借某物
例：mr carter borrow a hammer from his neighbor.
例：You shouldn't delay sending off your application for graduate school.
in installment 以分期付款方式