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Excuse me Qaz, but I am going to say what I think here. Your responses and choices are those of a fearful boy, not a man of courage and self respect. This lesson is your opportunity to grow your 8alls, courage determination, balance your yin with some serious yang. Reading through this thread...

Qaz, one email isn't going to cut it. You need to be constantly in the guy's face and make him uncomfortable. Everyday he isn't paying the money back, you need to visit him personally, and be angry. I repeat, because this is your only chance to get the money back.... You need to make him...

I don't know of anyone in Canberra, but in Brisbane I had a client once who specialized in this stuff. The rate was usually around 20-25%. google it and see what you get. BTW, does the guy have any assets the loan can be secured against.

Qaz, I've been rolled by two 'closest' friends. I've just read all of what you have to say, and I'll tell you now, imho, this guy doesn't consider you as close a friend as you consider him. If there is a marriage coming up, you are stuffed. The guy is going to have so many expenses coming up...