The Landlady's version - yes, all mine. It wrote itself.

A possible change to it for the chorus - perhaps instead of:

And there's no tick, never, these words I repeat,
If you ask me for credit, you'll be out in the street,

You might prefer

Oh there's no tick never, in the Rover's Return,
But you can drink like a fish if you've money to burn.

The point being, that gets the Rover into the song - "The Rover's Return" incidentally being the name of a pub in the English soap opera, "Coronation Street".

Or even, it occurs to me as I write:

No, No Never, Never no more -
I never give nobody credit no more.

Which has the advantage of being closer to the standard version, and therefore it might make it more acceptable as a substitute in response to a request for the Wild Rover.

I haven't tried the song out yet to see which chorus works best.