Toby is a dodgy little dick. He owes me money and I'm coming to collect, but when you miss your payments, I come for everything. I'm even taking your car keys.

Oh your boss is right in the next room? IDC, worship my heels, beg for forgiveness and pray I don't make a scene for them to see.

I bet you wont miss another payment when I show up at your job and empty out your wallet and leave you without your car to get home. Tell your girlfriend it's in the shop loser and Uber home