In truth, Raymond still owed Sylph and Lorene eight gold coins each.
The light armor he wore and the archer's gear Arya used had originally belonged to them. At the time, they'd lent the equipment without hesitation. But when Raymond spent every last coin enchanting his sword Dark Moon, he no longer had the gold to repay them.
Fortunately, both Sylph and Lorene were understanding. They knew how expensive enchanting a weapon like Dark Moon could be, and they hadn't pressed him about the debt.
Still, Raymond hadn't forgotten.
Of course, the situation with the longbow and the battered heavy armor was different. Those had been acquired when Raymond infiltrated the Crazy Baboon's lair alone. Since they were spoils from a solo mission, neither Sylph nor Lorene had any claim over them.