even if he owed... Why do you think past perfect is needed? The sequence of events - (1) owe, (2) demand - is clear enough.
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mitsuwao23even if he had owned it to me personallyowed.
mitsuwao23and he wasn't actually owned any money.Owed!
mitsuwao23So to me, in the present tense, it becomes:
There is no way I could get heavy-handed and demand that an English person send me money, even if he owed it to me personally.
and so in the past tense, I believe it becomes:
mitsuwao23"...she's talking as if she knew everything" ...This is the technically correct backshift, but it seems hypercorrect. I would say as if she knew in both cases.
I suppose that it becomes like this in the past tense:
"... she was talking as if she had known everything"