About seven years ago a five-year, live-in relationship of mine ended. We stayed friends and, though I now live in a different country, we still keep in touch, albeit casually and not often. In real life we see each other perhaps once a year (since we share friends) and once or twice a year we chat over messages (like for birthdays). She works in a popular public place so I can always reach her in person if I wanted to and was in the country.
When we were a couple I loaned her money. Bits here and there. By the end it amounted to a non-trivial sum, like thousands.
She actually started paying a small amount back at the start, presumably when she had a moment of empathy, but then stopped after a couple of months. So she knows she owed me.
I'm normally a passive and non-confrontational person. However, I feel that, as she has rich parents, a rich partner, buy lots of clothes and goes on plenty of exotic holidays, while I have an almost opposite life to that, I wonder, just wonder, if I could get that money back, and use it towards improving things.
How can I maximize my chances of her paying back the money that she owes me? For example, what would the email or text message read like?
A bit of extra info. There is a good chance I will see her in person in a month, but I was planning to send her a message before then.
I think that if the money had less value or we were good friends, I'd write it off. At the same time, I'd rather remain on relatively good terms with them.