Gerald and Metro FM, The Touch my Money team discuss :TODAY’S VOICE-NOTE: Hi Touch and teamI’m behind on some of my instalments including car and one or two others. The institutions I owe keep sending me this message: Contact our Call Centre. If you have made payment or an arrangement, please ignore this message.My first instinct is to dodge the whole thing and make payment when I do actually have the money. Please advise, should I continue dodging or call the places and when I call what do I say because, for real I don’t have the money.