text: Serge: hey Dad, how are you?
  Théo: I am good, how are you?
  Serge: good, thanks.
  Serge: Dad, I haven't received the monthly transfer, is everything ok?
  Théo: yes, yes, sorry I was going to tell you that it will only arrive on the 4th this month. I couldn't do it earlier.
  Théo: I hope your landlord can understand, let me know if I should give him a call.
  Serge: oh ok, no worries he is very helpful and I have always paid on due time these past years... so he will understand.
  Théo: oh great, no worries the transfer is coming.
  Serge: thanks dad! 
target: Serge's monthly bank transfer to Théo was made late, so he'll make a late rent payment to his landlord. The landlord shouldn't be angry about it given previous timely payments.