Yep, you've captured his good side there alright.
To add..
This is the reason we also have the Drawing Room, so you can talk seriously about something too. It doesn't have to be politics etc in there, it can be about anything too.. but taken a little more seriously.
chalice my man... why should he apologise to the English? I missed the insult there, it looked like it was ALL aimed at the Irish.
An It Harm None, Do What You Will
for abusing our language, obviousment.
As long as I've got a face
You've got a place to sit
Regarding the original post I have some sympathy as the interest charges do seem a little excessive. Debt collection agencies are rarely pleasant and they do appear to work to a very loose code of conduct.
It goes without saying that credit cards are an expensive way to borrow money and should only ever be used for short term bridges in finance. Ideally pay the feckers off in full every month.
If you do land yourself in the crap the best thing to do is arrange to service the debt with the credit card company until you are in a position to pay them off. They will sting you for interest but nothing like as much as debt collection agency will if the credit card company factors your debt out.
Cogito cogito ergo cogito sum
I'm not listening to you ever since you called the contraction apostrophe an abbreviation apostrophe.
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