Nigerians who loan their friends money can relate to this. #3 will make you laugh

I am on my way to the bank

You call them, they say they will send the money to your account pretty soon. Hours later, you call them again, they tell you that they are on their way to the bank. They lie to cover up another lie. If you call them again, they may just say that there is no network at the bank.

They are never at home

The typical debtor will never say that they are home unless they do not have shame. The only way you can get them is to pay them an early morning surprise visit.