A relative borrowed my money and didn't pay it back for several years. How to remind him without offending him?

I see that your relatives have borrowed money from you for several years and haven't paid it back. He is a very irresponsible person and doesn't pay his debts. I think such people are impolite. I think you can call him and say you are in a hurry to use the money. If you think you want to remind her without offending her, then you can tell her where you are and need a lot of money. Now that you mention it, I think if he is a particularly conscious person, I think if he is a very scheming person, he will take this sentence to heart and think that you used the money and he will find a way to return it to you. But if he is not a particularly scheming and irresponsible person,