Navares is your fwb, aka friends with benefits. you are not dating with him and are only in a relationship to fulfill your respective desires. And moreover you already have a boyfriend as well as Navares has a girlfriend, but you and him did not end your FWB relationship

that time you borrowed navares sweater and he charged you for it

"can i have my sweater back?" he said

"can I have my virginity back?" you reply with a smirk on your face

instantly his face turns pale and awkward