However, in general: 1  An IOU is more informal and flexible than a promissory note. 2  In turn, a note is more informal and flexible than a loan agreement. 3  A loan agreement is commonly used for more complex payment arrangements and often includes a recourse for the lender in case the borrower defaults or is unable to pay.
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Confused: Zoe ZoÃ« henry In'nando. S i tried to condense: It Cheekyânando s is a way of, life a cultural, identity a coming together of fun and. Frivolity Cheekyânando s is a, lifestyle where friendship (reigns) chicken, Supreme i. Explained everyone comes To'nando. sI hear that this 'Cheeky Nando's' thing is for real,â she had told me in an email. âIâm only around 80 per cent sure what that means.â. We went after a couple of obligatory drinks (which we smashed, obvs). It helped too that she was a touch hungover.