Still phoning. I was driving, I can't take your call while driving.  If I could've, I would have asked you to state your business in writing.  I'm not interested in chatting verbally with you.  if you wrote, you'd already have your answer to what you are calling me about. Please do not call as you are only a distraction to a person who is far past overwhelmed.  on top of this I try feel like I owe you nothing financially. I am not sure what my bank is doing, but they have far more reason to solve a problem with  me and they are not hounding.