Something that people find really frustrating is how they look to a bank for a solution and are simply told ‘no’, there is never any mention of ‘what will work’. Imagine going into a negotiation where you have no idea of what is acceptable to the other party (short of full repayment), or even where full repayment can get rejected!
How are you meant to find any answer -given that all solutions are unknown and unknowable – if there is not at lease some kind of counter offer? Imagine doing this in any other area of your life…
You: I’d like to buy these shoes, how much are they?
Shopkeeper: That depends.
You: I’d be happy to pay €50 for them, will that work?
You: What will you accept?
Shopkeeper: That really depends.
You: Do you want more or less or am I even in the right ballpark?
Shopkeeper: Hard to say, it really depends…
(then go back to third sentence of conversation and LOOP UNTIL runtime error)