A man called John the Gorman Bank scheme to make sure I didn't have any unsecured finances. Apparently if I did, he could arrange some kind of repayment scheme that wouldn't cost me anything.
But, before I was prepared to talk about my finances, I wanted to make sure John was alright. It's only polite to ask how someone is on the phone, right?
After I told John about my unsecured finances, but I'm not sure I totally understood what he means.