Morane: He did not "went away without paying." He quietly disappeared. Now that he has run out of money which he thought would last him forever, he wants to come back and possibly give "another try" in cheating someone or some organization and then flee. Bad habits die hard! If he repays the loan, it will be an attempt to clean the slate. Will he succeed in doing so? His name should already be in the Ali Baba's list as stated by coxtown if he took the loan from a bank.