Firstly, I had never heard the term chugger before!
I'm what I would say is a charitable person, if there's a local charity with a collection I'll always give, I'll always buy a raffle ticket, donate a prize etc etc but these street collector people infuriate me. I don't know if they realise how intimidating they can be? Or if that is the aim? I'm quite firm now and give an eye contact "no thank you" and carry on walking but when I was younger I got suckered a few times.
Worst experience was coming out of a shop in a rush as had to pick my mum up from work, I got stopped by a really handsome, well dressed man with some air ambulance literature. He asked if I had a sec so he could take my details to sent some info via email - I said I had 1 minute, he asked my name and email and then said "£10 ok?" I was like "say what?" His response was "or we can do £5?" - I was flabbergasted and ended up giving him my card details for this £5 donation, turned out he signed me up on a recurring payment for £5 a month!!! I was so cross as im a supporter of the air ambulance, I live on the coast and know their value and often donate but that experience left a very sour taste.