up, down and down again.

Love my new phone, and for once I've saved money on both the swanky new handset and on the monthly bill...
And then the people I owe money to decided to start hassling me.
How can a bank, with whom I have had an agreement for some considerable time be allowed to pass the debt on to someone else without any sort of contact to me?
I'll worry about it later.

And now


and at all points inbetween...


of course.