Spoilers but not plot specific. An odd little film this, starts out a thought piece about money lending and ends up a home invasion movie. It nearly hits it mark and it's nice to see a well produced UK film - but feels like a writing exercise by two writers that have very different ideas about what the film is going to be. Both films would have been decent on their own and to further add to the confused feel there is a claymation gory post credits scene. It would be interesting to hear what the producers of the film have to say about the tone they were going for. I watched this film on UK Netflix, stick it on and have a look for yourself, it will fill a late Saturday night nicely. I wouldn't be concerned about the low score reviews and rants if you know it ends up a home invasion trope you won't end up as angry as those reviewers.
