Frustration is... dealing with creditor phone calls

Dear Mr Creditor,

As discussed with you on numerous occasions, I am currently unemployed and although I have been for the last 10 months, I have managed to pay you for six of those.  Unfortunately, after selling all my worldly goods to do so, the money has now dried up and I am living with a friend - also discussed on numerous occasions.  I would however, like to thank you for the sms’s every second day as well as the phone calls - one received at 9.30 pm on Easter Sunday evening.