Well obviously you have already requested it be returned and she has declined to pay it back.In this case you may need to cut your losses and learn your lesson not to do it again. This happens all the time when you lend money you can never see it back.Not sure how old your granddaughter is but if she is in her teens approaching her parents would be the first step. Perhaps they can confiscate something she owns as security until she pays back her debt.An alternative is offer her a payment plan. Explain the money is a lot for you and you are happy to accept a payment plan of 100 or 50 a week.If she still doesnu2019t accept this as she has no money then instead of completely cutting your losses - make her work for it. Write a list of chores or tasks you need doing and get her to do them to cover the amount of money you gave her. She needs to learn that you donu2019t get something for nothing in life.If this fails you can send her a u2018Letter of Demandu2023 which is demanding in writing she re pay you the money by a certain time. By putting it in writing it can often give a fright to the offender as it is the first step to trying to get back your money before you go to court.You can look on google for some good templates for a letter of demand and go from there !Good luck- hopefully she isnu2019t a drug addict because you will never see that money again.