Answer:
Repayment is the act of paying back money previously borrowed from a lender. Typically, the return of funds happens through periodic payments which include both principal and interest. Loans can usually also be fully paid in a lump sum at any time, though some contracts may include an early repayment fee.
Explanation:
Answer: I believe your answer would be The Grim Reaper
Explanation: As he is often depicted as the man who will take your soul and be the cause of your death and he always wears a black cloak with a hood over his head created by the cloak.