This is appalling behaviour. It’s theft by deception. I’m sorry you’re dealing with this.
Remember that she needs to apologise to you. Don’t feel awkward about asking; the fact you even have to ask is her shame.
At this point I would escalate. I would hound her until she pays. Message her hourly.
I would initially say something like “You have had 10 days to pay and I’m still waiting for my money back. Please pay what you owe”. Cordial but matter of fact. Keep nudging her when she doesn’t reply.
If this doesn’t work after a time period of your choice, after warning her, escalate further. Either go the victim route and try to guilt the hell out of her (how could you do this to me? I thought you were a trustworthy person! I have no money for food! I need my money back so I can eat!).
Or you could start warning and threatening to put her on blast on social media or contacting the police (what she did is technically illegal but the police won’t care, but she won’t risk that). I know this is a severe response, but I can 99% guarantee if she starts sensing further trouble she will cough up quickly.
She has done this to you because she knows you are a kind and modest person, and she thinks she can get away with it. Don’t be the softy that she wants you to be.
Don’t let her try to reverse the victim and offender.
Usually in these situations they try to act like you’re so ridiculous and extreme for being worried about a silly material thing like money - as if money wasn’t so important to them that they just scammed you.
Don’t worry too much about how you come across (just don’t say anything that will look bad in a screenshot) She’s already thrown away your friendship by scamming you and it doesn’t matter what she thinks of you. Her reputation is on the line, not yours.
This really speaks to me because I used to have to force myself to ask for my money back. I just had to keep reminding myself that I am fully in my rights to do so - legally, morally and social etiquette - and it is not shameful. Also, I refuse to be mugged off. Whenever someone informally borrows money from you, they so often try this tit.
Last month me and two friends went somewhere that had to be prebooked for £5 a person. Only one person could book, which was me. They also had to contribute to my petrol.
I worked the fuel out and sent them a PayPal link for everything the next day. The day after that, they still hadn’t paid, and one hadn’t even replied. I simply said “cough up you two”. They did act affronted, but I got my money back very quickly. We’re still friends!
They will know in future if they have to owe me money again, they will pay back straight away because I won’t accept excuses or delays. I set time limits and make it very clear from the beginning how they will be paying me back and when. That is the only possible way to informally lend money (even tiny amounts) otherwise you *will* be taken advantage of, even if your friends don’t consciously set out to do so.