history: I have a friend that I have known for many years. I recently gave her some money that she promised she would pay back but now I haven't heard a word from her. I thought I could count on her but I guess I can't. I gave my friend some money that she said she would pay back but she hasn't yet. 
current: I hate when that happens!
next: I really thought  I could count on her, but now I haven't even heard a word from her. Lesson learned I guess.