There is an old chinese saying, when directly translated means: one kind of grain breeds hundreds of diversified population. Unfortunately to my dismay, I encountered the black sheep. To cut the story short, it actually triggered an sms war...
What's imperative is not about the contents of the smses, but the impeccable standard of my replies. The gist of each sms is to make the recipient understand a very simple moral: It's only right to repay what you owe (in monetary terms for this case), which she seems to be lacking in that particular department.
Not forgetting to mention, she is very proficient in her "V" language as she hurl abuse at me continuously. I managed to keep my cool and continued to "remind" her about the payment which she conveniently dragged for years.
What amazed and disgusted me most is that she even dared to mention that there was no proof against her and that she can deny the loan. True enough, no IOU was written but I guess she wasn't that smart as well. All her previous smses admitted that she owed money and willingly to pay back in instalments.
Without a tinge of shame, she actually said I was "threatening" and in return, she "threatened" to go to the police. Now look who's threatening who.
Finally, the sms war reached an impasse. For it was totally meaningless to argue anymore with a person who's behaviour is totally imbecile. To end, I merely rely the message that I will continue to remind her gently about the payment every month due to forseen circumstances that she has selective memory and always in denial mode, till she cleared the debt. I rest my case.