Excuse me?
I'm sorry to bother you but back in Oct 3, 2014, more than a year ago, I gave you a loan of 400 points.
You never returned them.
I contacted you once before this, asking when you would be able to pay them back, and you said you would plus interest.
It's been over a year since the initial loan, is it possible for me just to get my points back, please? I'd done a few loans with you before and they all got paid back in time with interest...