Perpectually in deficit

Few days ago, Ken called to request a loan of $280 from me, saying that his customer delaying payment and thus causing him problem to pay for his commitments. I ended the call with an excuse that I was entering into a lift and would call him back. But I never returned his call. He called me a few times after that yet I purposely missed his calls, hoping that he will understand I am rejecting his request.

I helped him once with his financial problem few years ago. At first, I thought it was just a temporary issue. Later, I realized it was not. He was just earning less than his commitments. He needed to borrow constantly in order to cover his shortfall. Then, I advised him to sell away his car and downgrade from condo to HDB. I stopped lending him money when he dishonored his first cheque payment to me. I chased him very tightly for my money back. In the end, I finally got back my money. The moment he cleared his debt to me, I disregarded him as friend. I was surprised that he actually called up again lately for a loan. He thought I would be a fool for second time? By now, I hope he should know that I won't.