Knocking on your fucking door at 8:30pm and waking your child up should just say sorry and go away?
Not oh I'll keep my voice down, can you make a direct debit payment. Said no ill forget and go overdrawn and I can't afford it.
"Oh well we'LL send you reminders"
No.
"Let me just explain blahblah blah guilt stuff blah"
I said I'll just do it online if I can afford it.
"No no you need to do it now really"
FFS go away