The bank bother you with a request for a refund.
You have a bill to pay.
You have a lot of money problem to deal with.
You must first determine the causes of your money problems.
So, what are your expenses monthly ?
The fixed charges such as pay the rent, repay loans, pay bills, pay for the education of children, food, fuel ….
How to break this vicious circle of debt ?
Here is the solution to your search. Apply for a loan