Conspiracy to refund
Bring a bit of incense from the temple at midnight in a dark room, set fire to it, and over the smoke of smokers and three times to read:
I am sending you a slave of God (name) nachet: let this nachet burning and bake in the corners chasing, breaking bones, not eating, not sleeping, not drinking, quiet servant of God (name) does not, until that debt I will not return. Amen, Amen, Amen