Yes, guess that's true. That's how I handled it, too, just that I made an exception last week because it was close to the end of the month, because what could possibly go wrong? Well, whatever she was going to pay me back for now did not get here in time, I missed a bargain-sale because of that and will now lose an additional €40. No one's ever going to see a single cent from me again, no exceptions. I am furious.
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