Yes I have had this too... The guy actually asked me "Can I ask why you are saying no?" I said "well at the moment DH is off work due to unforeseen circumstances and the tenants in our investment property- the husband had just lost his job, so they are 4 weeks behind on their rent, so we are paying 2 mortgages on one wage" and he said "Yes but surely you have a spare few dollars...." meh.... I hung up and felt ok as I always support charities that I choose to....