“Yeah, well,” I say grumpily. “Maybe.”

I put the phone down as Suze comes past the door again, dragging another black bin bag. “Suze, what are you doing?” I say, staring at her.

“I’m decluttering!” she says. “It’s brilliant. So cleansing! You should try it! So — who was David Barrow?”

“Just some stupid bill I hadn’t paid,” I say. “Honestly! Phoning me at home!”

“Ooh, that reminds me. Hang on…”

She disappears for a moment, then appears again, holding a bundle of envelopes.

“I found these under my bed when I was tidying up, and this other lot were on my dressing table… I think you must have left them in my room.” She pulls a face. “I think they’re all bills, too.”

“Oh, thanks,” I say, and throw them onto the bed.

“Maybe…” says Suze hesitantly, “maybe you should pay some of them off? You know. Just one or two.”

“But I have paid them off!” I say in surprise. “I paid them all off in June. Don’t you remember?”

“Oh yes!” says Suze. “Yes, of course I do.” She bites her lip. “But the thing is, Bex…”

“What?”

“Well… that was a while ago, wasn’t it? And maybe you’ve built up a few debts since then.”

“Since June?” I give a little laugh. “But that was only about five minutes ago! Honestly, Suze, you don’t need to worry. I mean… take this one.” I reach randomly for an envelope. “I mean, what have I bought in M&S recently? Nothing!”

“Oh right,” says Suze, looking relieved. “So this bill will just be for… zero, will it.”

“Absolutely,” I say ripping it open. “Zero! Or, you know, ten quid. You know, for the odd pair of knickers—”

I pull out the account and look at it. For a moment I can’t speak.

“How much is it?” says Suze in alarm.

“It’s… it’s wrong,” I say, trying to stuff it back in the envelope. “It has to be wrong. I’ll write them a letter…”

“Let me see.” Suze grabs the bill and her eyes widen. “Three hundred sixty-five pounds? Bex—”

“It has to be wrong,” I say — but my voice is holding less conviction. I’m suddenly remembering those leather trousers I bought in the Marble Arch sale. And that dressing gown. And that phase I went through of eating M&S sushi every day.

Suze stares at me for a few minutes, her face creased anxiously.

“Bex — d’you think all of these other bills are as high as that?”

Silently I reach for the envelope from Selfridges, and tear it open. Even as I do so, I’m remembering that chrome juicer, the one I saw and had to have… I’ve never even used it. And that fur-trimmed dress. Where did that go?

“How much is it?”

“It’s… it’s enough,” I reply, pushing it quickly back inside, before she can see that it’s well over £400.

I turn away, trying to keep calm. But I feel alarmed and slightly angry. This is all wrong. The whole point is, I paid off my cards. I paid them off. I mean, what’s the point of paying off all your credit cards if they all just go and sprout huge new debts again? What is the point?

“Look, Bex, don’t worry,” says Suze. “You’ll be OK! I just won’t cash your rent check this month.”

“No!” I exclaim. “Don’t be silly. You’ve been good enough to me already! I don’t want to owe you anything. I’d rather owe M&S.” I look round and see her anxious face. “Suze, don’t worry! I can easily put this lot off for a bit.” I hit the letter. “And meanwhile, I’ll get a bigger overdraft or something. In fact, I’ve just asked the bank for an extension — so I can easily ask for a bit more. In fact, I’ll phone them right now!”

“What, this minute?”

“Why not?”

I pick up the phone again, reach for an old bank statement, and dial the Endwich number.

“You see, there really isn’t a problem,” I say reassuringly. “One little phone call is all it’ll take.”

“Your call is being transferred to the Central Endwich Call Center,” comes a tinny voice down the line. “Kindly memorize the following number for future use: 0800…”

“What’s going on?” says Suze.

“I’m being transferred to some central system,” I say, as Vivaldi’s Four Seasons starts to play. “They’ll probably be really quick and efficient. This is great, isn’t it? Doing it all over the phone.”

“Welcome to Endwich Bank!” says a new woman’s voice in my ear. “Please key in your account number.”

What’s my account number? Shit! I’ve got no idea—

Oh yes. On my bank statement.

“Thank you!” says a voice as I finish pressing the numbers. “Now please key in your personal identification number.”

What?

Personal identification number? I didn’t know I had a personal identification number. Honestly! They never told me—

Actually… maybe that does ring a slight bell.

Oh God. What was it again? Seventy-three-something? Thirty-seven-something?

“Please key in your personal identification number,” repeats the voice pleasantly.

“But I don’t know my bloody personal identification number!” I say. “Quick, Suze, if you were me, what would you choose as a personal identification number?”

“Ooh!” says Suze. “Um… I’d choose… um… 1234?”

“Please key in your personal identification number,” says the voice, with a definite edge to it this time.

God, this is really stressful.

“Try my number for my bicycle lock,” suggests Suze. “It’s 435.”

“Suze — I need my number. Not yours.”

“You might have chosen the same! You never know!”

“Please key in—”

“All right!” I yell, and punch in 435.

“I’m sorry,” intones the voice. “This password is invalid.”

“I knew it wouldn’t work!”

“It might have done!” says Suze defensively.

“It should be four digits, anyway,” I say, having a sudden flash of memory. “I had to phone up and register it… and I was standing in the kitchen… and… yes! Yes! I’d just got my new Karen Millen shoes, and I was looking at the price tag… and that was the number I used!”

“How much were they?” says Suze in excitement.

“They were… £120 reduced to… to £84.99!”

“Punch it in! 8499!”

Excitedly I punch in 8499—and to my disbelief, the voice says, “Thank you! You are through to the Endwich Banking Corporation. Endwich — because we care. For debt control, press one. For mortgage arrears, press two. For overdrafts and bank charges, press three. For…’’

“Right! I’m through.” I exhale sharply, feeling a bit like James Bond breaking the code to save the world. “Am I debt control? Or overdrafts and bank charges?”

“Overdrafts and bank charges,” says Suze knowledgeably.

“OK.” I press three and a moment later a cheerful singsong voice greets me.

“Hello! Welcome to the Endwich Central Call Center. I’m Dawna, how can I help you, Miss Bloomwood?’’

“Oh, hi!” I say, taken aback. “Are you real?”

“Yes!” says Dawna, and laughs. “I’m real. Can I help you?”

“Erm… yes. I’m phoning because I need an extension to my overdraft. A few hundred pounds if that’s all right. Or, you know, more, if you’ve got it…”

“I see,” says Dawna pleasantly. “Was there a specific reason? Or just a general need?”

She sounds so nice and friendly, I feel myself start to relax.

“Well, the thing is, I’ve had to invest quite a bit in my career recently, and a few bills have come in, and kind of… taken me by surprise.”

“Oh right,” says Dawna sympathetically.

“I mean, it’s not as if I’m in trouble. It’s just a temporary thing.”

“A temporary thing,” she echoes, and I hear her typing in the background.

“I suppose I have been letting things mount up a bit. But the thing was, I paid everything off! I thought I’d be able to relax for a bit!”

“Oh right.”

“So you understand?” I give a relieved beam to Suze, who offers me thumbs-up in return. This is more like it. Just one quick and easy call, like in the adverts. No nasty letters, no tricky questions…

“I completely understand,” Dawna’s saying. “It happens to us all, doesn’t it?”

“So — can I have the overdraft?” I say joyfully.

“Oh, I’m not authorized to extend your overdraft by more than £50,” says Dawna in surprise. “You’ll have to get in touch with your branch overdraft facilities director. Who is a… let me see… Fulham… a Mr. John Gavin.”

I stare at the phone in dismay.

“But I’ve already written to him!”

“Well, that’s all right, then, isn’t it? Now, is there anything else I can help you with?”

“No,” I say. “No, I don’t think so. Thanks anyway.”

I put down the phone disconsolately.

“Stupid bank. Stupid call center.”

“So are they going to give you the money?” asks Suze.

“I don’t know. It all depends on this John Gavin bloke.” I look up and see Suze’s anxious face. “But I’m sure he’ll say yes,” I add hastily. “He’s just got to review my file. It’ll be fine!”

“I suppose if you just don’t spend anything for a while, you’ll easily get back on track, won’t you?” she says hopefully. “I mean, you’re making loads of money from the telly, aren’t you?”

“Yes,” I say after a pause, not liking to tell her that after rent, taxi fares, meals out, and outfits for the show, it doesn’t actually amount to that much.

“And there’s your book, too…”

“My book?”

For a moment I stare at her blankly. Then suddenly, with a lift of the heart, I remember. Of course! My self-help book! I’ve been meaning to do something about that.

Well, thank God. This is the answer. All I have to do is write my book really quickly and get a nice big check — and then I’ll pay all these cards off and everything will be happy again. Ha. I don’t need any stupid overdraft. I’ll start straight away. This evening!