The powers that be have a vested interest in you being utterly confused by a financial system where a series of simple mistakes can leave you in debt for the rest of your life.
Madness string 82175
Just stare them down until they figure out what you want. I mean, nothing wrong with that. If I didn't know the word for something, instead of trying to figure it out or getting frustrated I wasn't being understood, I made up my own word and expected everyone else to figure it out. As far as I was concerned, I was making perfect sense.