Amongst the many individuals/organisations we(Mel) owe significant amounts to are local businesses and, very disturbingly, the Ambulance Service and St Johns Ambulance!
I find that totally reprehensible and disgusting! These organisation, many of them volunteers, provide help to people in often life threatening situations at their darkest moment and for Mel to hold them in such utter contempt is, IMO, totally unforgivable. Sort it Mel!