The Phone Call

One day once I realized that I had a big problem with Asif Zamir and that the chances of getting repaid were ever diminishing, I received a phone call. The man gave me important information regarding where Asif lived, and told me to contact the police. In doing so, I joined a community of people who were all waiting for money back from Asif.

At this point Asif had stopped acknowledging any of my telephone messages and emails. I sent him a letter of demand, essentially a letter insisting he refund my money by a specific date or I would take legal action against him. I sent this registered mail (from a legal perspective this is a good practice). Some days later the letter was returned to me unopened. It was not that it had not been received, Asif Zamir deliberately refused to accept it. I still have the envelope marked as "Refused by addressee". So, whatever good faith I had imagined to be present disappeared. It was now clear that Asif had no desire to return the money he owed me.