# Call Recording Transcript

- Started: 2026-08-19 11:23:07
- Direction: inbound
- Caller: +441143216207
- Destination: Behnam
- Duration: 35m 46s
- Disposition: ANSWERED

## Transcript

- [2026-08-19 11:23:07 - 2026-08-19 11:23:10] **Unknown:** If you record your name and reason for calling, I'll see if this person is available.
- [2026-08-19 11:23:12 - 2026-08-19 11:23:13] **Unknown:** KB from Avlo.
- [2026-08-19 11:23:20 - 2026-08-19 11:23:21] **Unknown:** Please stay on the line.
- [2026-08-19 11:23:26 - 2026-08-19 11:23:26] **Unknown:** Hello.
- [2026-08-19 11:23:28 - 2026-08-19 11:23:31] **Unknown:** Hello, am I speaking to Burnham Ruff Ruff?
- [2026-08-19 11:23:31 - 2026-08-19 11:23:32] **Unknown:** Speaking, hello.
- [2026-08-19 11:23:33 - 2026-08-19 11:23:36] **Unknown:** You're speaking with KB, I'm calling you from Avlo.
- [2026-08-19 11:23:36 - 2026-08-19 11:23:36] **Unknown:** Hello.
- [2026-08-19 11:23:37 - 2026-08-19 11:23:39] **Unknown:** Regarding a loan application you submitted to the KS4.
- [2026-08-19 11:23:40 - 2026-08-19 11:23:41] **Unknown:** I'm doing good, thanks, and how are you?
- [2026-08-19 11:23:41 - 2026-08-19 11:23:43] **Unknown:** I'm all right, thank you, Andrea.
- [2026-08-19 11:23:44 - 2026-08-19 11:23:47] **Unknown:** I'm doing good. Is this a convenient time to speak?
- [2026-08-19 11:23:47 - 2026-08-19 11:23:48] **Unknown:** Yeah, absolutely.
- [2026-08-19 11:23:49 - 2026-08-19 11:23:54] **Unknown:** All right, so please be advised that this call is being recorded for training and monitoring purpose.
- [2026-08-19 11:23:55 - 2026-08-19 11:24:00] **Unknown:** Any information or documents you provide to us today will be held securely in our system. Is that okay?
- [2026-08-19 11:24:00 - 2026-08-19 11:24:01] **Unknown:** That's fine.
- [2026-08-19 11:24:02 - 2026-08-19 11:24:05] **Unknown:** Perfect. May I please have your date of birth for security purpose?
- [2026-08-19 11:24:05 - 2026-08-19 11:24:06] **Unknown:** Yeah, 24th of...
- [2026-08-19 11:24:07 - 2026-08-19 11:24:07] **Behnam:** January 1987.
- [2026-08-19 11:24:09 - 2026-08-19 11:24:09] **Unknown:** Thank you.
- [2026-08-19 11:24:10 - 2026-08-19 11:24:12] **Unknown:** First line of address as well as your postcode, please.
- [2026-08-19 11:24:12 - 2026-08-19 11:24:15] **Behnam:** 10 St. Oswald's Way, S72AA.
- [2026-08-19 11:24:18 - 2026-08-19 11:24:20] **Unknown:** Can you confirm the first line of address once again, please?
- [2026-08-19 11:24:20 - 2026-08-19 11:24:22] **Behnam:** Yeah, 10 St. Oswald's Way.
- [2026-08-19 11:24:23 - 2026-08-19 11:24:25] **Unknown:** Thank you so much for passing security with me.
- [2026-08-19 11:24:25 - 2026-08-19 11:24:26] **Unknown:** No problem.
- [2026-08-19 11:24:26 - 2026-08-19 11:24:31] **Unknown:** So the reason for my call is basically just to make sure that everything is correct on the application.
- [2026-08-19 11:24:32 - 2026-08-19 11:24:32] **Unknown:** Okay.
- [2026-08-19 11:24:32 - 2026-08-19 11:24:37] **Unknown:** And I'm pleased to inform you that the loan application has been conditionally approved.
- [2026-08-19 11:24:37 - 2026-08-19 11:24:38] **Unknown:** Okay.
- [2026-08-19 11:24:38 - 2026-08-19 11:24:41] **Unknown:** I also see that you have applied for $12,000.
- [2026-08-19 11:24:41 - 2026-08-19 11:24:43] **Unknown:** Is that the loan amount you're looking for?
- [2026-08-19 11:24:43 - 2026-08-19 11:24:44] **Behnam:** Yes, it is, yeah.
- [2026-08-19 11:24:45 - 2026-08-19 11:24:45] **Unknown:** All right.
- [2026-08-19 11:24:45 - 2026-08-19 11:24:47] **Unknown:** And what is the reason for this loan?
- [2026-08-19 11:24:47 - 2026-08-19 11:24:50] **Behnam:** We need to buy some furniture for the house.
- [2026-08-19 11:24:50 - 2026-08-19 11:24:51] **Behnam:** We need to improve our kitchen.
- [2026-08-19 11:24:52 - 2026-08-19 11:24:57] **Behnam:** We're going to have a baby in a few months' time, and we need to make ourselves ready for it.
- [2026-08-19 11:24:57 - 2026-08-19 11:25:04] **Behnam:** We need to buy quite a few things in advance of the birth and generally improve the home.
- [2026-08-19 11:25:07 - 2026-08-19 11:25:10] **Unknown:** Not a problem. So I'll note down home improvements and buying furniture. Is that okay?
- [2026-08-19 11:25:11 - 2026-08-19 11:25:11] **Unknown:** Yes.
- [2026-08-19 11:25:12 - 2026-08-19 11:25:17] **Unknown:** All right. So we'll start with your personal details first, just to make sure that everything is correct.
- [2026-08-19 11:25:17 - 2026-08-19 11:25:22] **Unknown:** So we have you listed as Mr. Burnham Ruff Ruff. Do you have any middle names?
- [2026-08-19 11:25:23 - 2026-08-19 11:25:24] **Unknown:** Andrew. Yes, Andrew.
- [2026-08-19 11:25:25 - 2026-08-19 11:25:29] **Unknown:** Andrew. Okay. Your marital status. He shows that you are married. Is that correct?
- [2026-08-19 11:25:29 - 2026-08-19 11:25:30] **Unknown:** Correct. Yes.
- [2026-08-19 11:25:31 - 2026-08-19 11:25:32] **Unknown:** Are you a homeowner?
- [2026-08-19 11:25:33 - 2026-08-19 11:25:33] **Unknown:** Yes.
- [2026-08-19 11:25:34 - 2026-08-19 11:25:36] **Unknown:** Paying towards a mortgagee or is it paid in form?
- [2026-08-19 11:25:37 - 2026-08-19 11:25:38] **Unknown:** No, paying a mortgage.
- [2026-08-19 11:25:40 - 2026-08-19 11:25:42] **Unknown:** So you're still paying towards a mortgagee?
- [2026-08-19 11:25:42 - 2026-08-19 11:25:42] **Unknown:** Yes.
- [2026-08-19 11:25:43 - 2026-08-19 11:25:46] **Unknown:** And how much do you pay towards the mortgage?
- [2026-08-19 11:25:46 - 2026-08-19 11:25:54] **Behnam:** It's about 1,600 and something per month. I pay half. I pay around 800 pounds towards a mortgage.
- [2026-08-19 11:25:56 - 2026-08-19 11:26:00] **Unknown:** That is 1,600 monthly, but you contribute 800?
- [2026-08-19 11:26:00 - 2026-08-19 11:26:01] **Behnam:** Half of it, yes.
- [2026-08-19 11:26:02 - 2026-08-19 11:26:06] **Unknown:** Okay. Not a problem. And do you guys have any outstanding arrears?
- [2026-08-19 11:26:07 - 2026-08-19 11:26:08] **Unknown:** towards your mortgage payments?
- [2026-08-19 11:26:08 - 2026-08-19 11:26:09] **Unknown:** No.
- [2026-08-19 11:26:10 - 2026-08-19 11:26:11] **Unknown:** All right.
- [2026-08-19 11:26:11 - 2026-08-19 11:26:12] **Unknown:** Your nationality is a British?
- [2026-08-19 11:26:12 - 2026-08-19 11:26:13] **Unknown:** British, yeah.
- [2026-08-19 11:26:14 - 2026-08-19 11:26:16] **Unknown:** Do you have any dependents?
- [2026-08-19 11:26:16 - 2026-08-19 11:26:18] **Unknown:** One daughter so far, yes.
- [2026-08-19 11:26:19 - 2026-08-19 11:26:20] **Unknown:** How old is she?
- [2026-08-19 11:26:21 - 2026-08-19 11:26:21] **Unknown:** Six.
- [2026-08-19 11:26:22 - 2026-08-19 11:26:23] **Unknown:** Six-year-old.
- [2026-08-19 11:26:23 - 2026-08-19 11:26:24] **Unknown:** Thank you.
- [2026-08-19 11:26:24 - 2026-08-19 11:26:26] **Unknown:** And then your contact preference,
- [2026-08-19 11:26:26 - 2026-08-19 11:26:28] **Unknown:** would you like us to either contact you through home,
- [2026-08-19 11:26:28 - 2026-08-19 11:26:29] **Unknown:** mobile, or work number?
- [2026-08-19 11:26:30 - 2026-08-19 11:26:31] **Unknown:** Mobile.
- [2026-08-19 11:26:32 - 2026-08-19 11:26:34] **Unknown:** The one that I'm calling you on, right?
- [2026-08-19 11:26:34 - 2026-08-19 11:26:34] **Unknown:** Yeah.
- [2026-08-19 11:26:34 - 2026-08-19 11:26:35] **Unknown:** It was 8200.
- [2026-08-19 11:26:36 - 2026-08-19 11:26:37] **Unknown:** Correct, yeah.
- [2026-08-19 11:26:38 - 2026-08-19 11:26:38] **Unknown:** All right.
- [2026-08-19 11:26:38 - 2026-08-19 11:26:40] **Unknown:** Is there any additional numbers you would like to add?
- [2026-08-19 11:26:41 - 2026-08-19 11:26:42] **Unknown:** No, that's all for now.
- [2026-08-19 11:26:43 - 2026-08-19 11:26:44] **Unknown:** Okay.
- [2026-08-19 11:26:44 - 2026-08-19 11:26:47] **Unknown:** So the email we have on file, it is your first name,
- [2026-08-19 11:26:47 - 2026-08-19 11:26:50] **Unknown:** and then it's at roughrough.co.uk, correct?
- [2026-08-19 11:26:51 - 2026-08-19 11:26:51] **Unknown:** That's right, yes.
- [2026-08-19 11:26:52 - 2026-08-19 11:26:53] **Unknown:** Perfect.
- [2026-08-19 11:26:53 - 2026-08-19 11:26:55] **Unknown:** And then with your address history, I'm picking up two.
- [2026-08-19 11:26:56 - 2026-08-19 11:27:00] **Unknown:** One is your previous address, which is 85 Tavistock Road.
- [2026-08-19 11:27:00 - 2026-08-19 11:27:02] **Unknown:** It shows you started living here around April 2017,
- [2026-08-19 11:27:03 - 2026-08-19 11:27:04] **Unknown:** and then your current address.
- [2026-08-19 11:27:04 - 2026-08-19 11:27:06] **Unknown:** It shows that you started living here around May.
- [2026-08-19 11:27:07 - 2026-08-19 11:27:14] **Behnam:** 2022. Is that about right? Actually, it was December 2021 we moved in. December 2021? Yeah.
- [2026-08-19 11:27:16 - 2026-08-19 11:27:18] **Unknown:** Okay, let's just get that updated.
- [2026-08-19 11:27:20 - 2026-08-19 11:27:24] **Unknown:** All right, I have got that successfully updated and then could you please confirm,
- [2026-08-19 11:27:25 - 2026-08-19 11:27:32] **Unknown:** am I currently employed? Yes. What is the name of the company you're working for? TLC Solutions Limited.
- [2026-08-19 11:27:34 - 2026-08-19 11:27:41] **Unknown:** TLC Solutions Limited? Yes. Okay, and what is your job title? Manager.
- [2026-08-19 11:27:43 - 2026-08-19 11:27:52] **Behnam:** Manager. Okay, and when did you start working for the company? 2024, November 2024.
- [2026-08-19 11:27:54 - 2026-08-19 11:28:02] **Unknown:** Okay, November 2024. Let me just get that amended. And then prior to this, where were you working?
- [2026-08-19 11:28:02 - 2026-08-19 11:28:05] **Behnam:** It was Top Lines Catering Supplies Limited.
- [2026-08-19 11:28:08 - 2026-08-19 11:28:10] **Unknown:** Okay, so it's top line, catering.
- [2026-08-19 11:28:11 - 2026-08-19 11:28:13] **Unknown:** Yeah, top line is with an S on the end.
- [2026-08-19 11:28:14 - 2026-08-19 11:28:15] **Unknown:** Catering supply is limited.
- [2026-08-19 11:28:17 - 2026-08-19 11:28:19] **Unknown:** Okay, and what was your job title there?
- [2026-08-19 11:28:19 - 2026-08-19 11:28:20] **Unknown:** Manager as well.
- [2026-08-19 11:28:21 - 2026-08-19 11:28:22] **Unknown:** Manager as well.
- [2026-08-19 11:28:22 - 2026-08-19 11:28:24] **Unknown:** And when did you start working for the company?
- [2026-08-19 11:28:24 - 2026-08-19 11:28:25] **Unknown:** Oh, 2009.
- [2026-08-19 11:28:26 - 2026-08-19 11:28:29] **Unknown:** I think November 2009, yes.
- [2026-08-19 11:28:30 - 2026-08-19 11:28:32] **Unknown:** And what month can I choose in 2009?
- [2026-08-19 11:28:33 - 2026-08-19 11:28:33] **Unknown:** November.
- [2026-08-19 11:28:34 - 2026-08-19 11:28:35] **Unknown:** November.
- [2026-08-19 11:28:35 - 2026-08-19 11:28:39] **Unknown:** All right, and you stopped working when you started with your recent role, right?
- [2026-08-19 11:28:39 - 2026-08-19 11:28:40] **Unknown:** 2024 November?
- [2026-08-19 11:28:40 - 2026-08-19 11:28:41] **Unknown:** Yes, yes.
- [2026-08-19 11:28:43 - 2026-08-19 11:28:44] **Unknown:** Okay, get that amended here.
- [2026-08-19 11:28:45 - 2026-08-19 11:28:50] **Unknown:** All right, thank you so much for sharing that information with me.
- [2026-08-19 11:28:50 - 2026-08-19 11:28:51] **Unknown:** I got that updated.
- [2026-08-19 11:28:51 - 2026-08-19 11:28:54] **Unknown:** We are going to move to your financial details.
- [2026-08-19 11:28:54 - 2026-08-19 11:28:57] **Unknown:** So your net monthly income is £3,071?
- [2026-08-19 11:28:58 - 2026-08-19 11:28:59] **Unknown:** Yes.
- [2026-08-19 11:29:00 - 2026-08-19 11:29:04] **Unknown:** Okay, are you currently part of any active staff management plan, IVA, or any bankruptcy?
- [2026-08-19 11:29:05 - 2026-08-19 11:29:05] **Unknown:** No.
- [2026-08-19 11:29:07 - 2026-08-19 11:29:09] **Unknown:** Would you be able to pay by direct debit?
- [2026-08-19 11:29:09 - 2026-08-19 11:29:10] **Unknown:** Yes.
- [2026-08-19 11:29:11 - 2026-08-19 11:29:12] **Unknown:** All right, then. Perfect.
- [2026-08-19 11:29:12 - 2026-08-19 11:29:15] **Unknown:** So I do see that you have already submitted your three-month bank statement.
- [2026-08-19 11:29:15 - 2026-08-19 11:29:17] **Unknown:** That is with Nationwide.
- [2026-08-19 11:29:17 - 2026-08-19 11:29:19] **Unknown:** Thank you so much for sending that over.
- [2026-08-19 11:29:19 - 2026-08-19 11:29:23] **Unknown:** Could you please confirm, do you have any additional bank accounts
- [2026-08-19 11:29:23 - 2026-08-19 11:29:24] **Unknown:** that are under your name besides this one?
- [2026-08-19 11:29:25 - 2026-08-19 11:29:26] **Unknown:** Yes, I have several.
- [2026-08-19 11:29:28 - 2026-08-19 11:29:29] **Unknown:** How many do you have?
- [2026-08-19 11:29:29 - 2026-08-19 11:29:34] **Unknown:** I have Nationwide and Starling and HSBC.
- [2026-08-19 11:29:34 - 2026-08-19 11:29:38] **Unknown:** HSBC, no, I don't have.
- [2026-08-19 11:29:38 - 2026-08-19 11:29:41] **Unknown:** I have Nationwide, Starling, Santander.
- [2026-08-19 11:29:43 - 2026-08-19 11:29:45] **Unknown:** So we already have your Nationwide.
- [2026-08-19 11:29:45 - 2026-08-19 11:29:48] **Unknown:** We are going to need you to send the remaining two,
- [2026-08-19 11:29:48 - 2026-08-19 11:29:52] **Unknown:** which is the Santander and NetWaste.
- [2026-08-19 11:29:53 - 2026-08-19 11:29:53] **Unknown:** All right.
- [2026-08-19 11:29:53 - 2026-08-19 11:29:55] **Unknown:** Do you have online banking set up for those accounts?
- [2026-08-19 11:29:55 - 2026-08-19 11:29:56] **Unknown:** Yes, I do, yes.
- [2026-08-19 11:29:57 - 2026-08-19 11:29:57] **Unknown:** All right.
- [2026-08-19 11:29:57 - 2026-08-19 11:30:00] **Unknown:** Can I send you links to send those over, please?
- [2026-08-19 11:30:00 - 2026-08-19 11:30:00] **Unknown:** Yeah, absolutely.
- [2026-08-19 11:30:01 - 2026-08-19 11:30:02] **Unknown:** Perfect.
- [2026-08-19 11:30:02 - 2026-08-19 11:30:04] **Unknown:** I'm just going to need to read through the script
- [2026-08-19 11:30:04 - 2026-08-19 11:30:05] **Unknown:** so that you can just give us,
- [2026-08-19 11:30:05 - 2026-08-19 11:30:06] **Unknown:** and then we can send.
- [2026-08-19 11:30:07 - 2026-08-19 11:30:13] **Unknown:** So if ever you have online banking, we are just using this as a secure process, which is called Open Banking.
- [2026-08-19 11:30:13 - 2026-08-19 11:30:17] **Unknown:** This basically just helps you to supply information for your affordability check.
- [2026-08-19 11:30:18 - 2026-08-19 11:30:26] **Unknown:** It is via direct one-time access with your bank who will share the required information with Avlo rather than you manually providing us copies of your statements.
- [2026-08-19 11:30:27 - 2026-08-19 11:30:30] **Unknown:** So you are going to receive two SMSs and two emails.
- [2026-08-19 11:30:30 - 2026-08-19 11:30:33] **Unknown:** You can use either to initially send that through.
- [2026-08-19 11:30:33 - 2026-08-19 11:30:36] **Unknown:** So can you please check to see whether it's got there?
- [2026-08-19 11:30:42 - 2026-08-19 11:30:45] **Unknown:** I don't have either, but I think it's because I'm not online.
- [2026-08-19 11:30:45 - 2026-08-19 11:30:48] **Unknown:** If you just bear with me, I'm moving back to Wi-Fi and I'll have it.
- [2026-08-19 11:30:49 - 2026-08-19 11:30:50] **Unknown:** Not a problem.
- [2026-08-19 11:30:55 - 2026-08-19 11:31:02] **Unknown:** Even the SMS, not yet, but there are a few exceptions.
- [2026-08-19 11:31:10 - 2026-08-19 11:31:12] **Unknown:** Yes, my phone is a bit annoying.
- [2026-08-19 11:31:13 - 2026-08-19 11:31:15] **Unknown:** When I'm on a call, I don't get any message, any email.
- [2026-08-19 11:31:17 - 2026-08-19 11:31:18] **Unknown:** No, that's okay.
- [2026-08-19 11:31:18 - 2026-08-19 11:31:20] **Unknown:** Or would you like me to schedule a call back?
- [2026-08-19 11:31:20 - 2026-08-19 11:31:22] **Unknown:** No, no, it'll be fine.
- [2026-08-19 11:31:22 - 2026-08-19 11:31:25] **Unknown:** I'll just walk away from the Wi-Fi, that's all.
- [2026-08-19 11:31:26 - 2026-08-19 11:31:27] **Unknown:** Okay, no problem.
- [2026-08-19 11:31:27 - 2026-08-19 11:31:31] **Unknown:** Just any second.
- [2026-08-19 11:31:34 - 2026-08-19 11:31:35] **Unknown:** Yeah, I've got them.
- [2026-08-19 11:31:35 - 2026-08-19 11:31:36] **Unknown:** Okay.
- [2026-08-19 11:31:37 - 2026-08-19 11:31:38] **Unknown:** All right, so I'll stay on the line.
- [2026-08-19 11:31:38 - 2026-08-19 11:31:39] **Unknown:** You'll just confirm when you're done, okay?
- [2026-08-19 11:31:40 - 2026-08-19 11:31:40] **Unknown:** Sure.
- [2026-08-19 11:31:43 - 2026-08-19 11:31:45] **Unknown:** I need to sign an account first.
- [2026-08-19 11:32:19 - 2026-08-19 11:32:21] **Unknown:** Yeah, I think one of them is done.
- [2026-08-19 11:32:23 - 2026-08-19 11:32:23] **Unknown:** All right.
- [2026-08-19 11:32:23 - 2026-08-19 11:32:26] **Unknown:** It should reflect to my side within a few seconds.
- [2026-08-19 11:32:35 - 2026-08-19 11:32:36] **Unknown:** I'll do the second one now.
- [2026-08-19 11:32:37 - 2026-08-19 11:32:51] **Unknown:** It's asking me to create an account again.
- [2026-08-19 11:32:55 - 2026-08-19 11:32:56] **Unknown:** You're going to use the same password.
- [2026-08-19 11:32:57 - 2026-08-19 11:32:59] **Unknown:** Okay, I think I have.
- [2026-08-19 11:33:00 - 2026-08-19 11:33:03] **Unknown:** Yeah, I'll turn that.
- [2026-08-19 11:33:42 - 2026-08-19 11:33:48] **Unknown:** second one is done now all right then perfect so it should reflect on my start within a couple of
- [2026-08-19 11:33:48 - 2026-08-19 11:33:54] **Unknown:** seconds let me just refresh my system so uh meanwhile i'm still waiting for that um that
- [2026-08-19 11:33:54 - 2026-08-19 11:33:58] **Unknown:** to be uploaded could you please confirm should we have any products or services that we would
- [2026-08-19 11:33:58 - 2026-08-19 11:34:04] **Unknown:** like to offer you how can we send them through so it could either be through email sms phone
- [2026-08-19 11:34:04 - 2026-08-19 11:34:06] **Unknown:** calls or even through post to which one i email
- [2026-08-19 11:34:06 - 2026-08-19 11:34:06] **Unknown:** email
- [2026-08-19 11:34:07 - 2026-08-19 11:34:07] **Unknown:** Email is okay.
- [2026-08-19 11:34:08 - 2026-08-19 11:34:09] **Unknown:** Email is fine.
- [2026-08-19 11:34:09 - 2026-08-19 11:34:14] **Unknown:** And then from time to time, we also work with selected partners in the financial sector
- [2026-08-19 11:34:14 - 2026-08-19 11:34:19] **Unknown:** that also offers personal loan offers, but we don't give out your information without
- [2026-08-19 11:34:19 - 2026-08-19 11:34:19] **Unknown:** your consent.
- [2026-08-19 11:34:20 - 2026-08-19 11:34:22] **Unknown:** So would you be happy for us to share your details with them?
- [2026-08-19 11:34:22 - 2026-08-19 11:34:23] **Unknown:** No, no, thank you.
- [2026-08-19 11:34:25 - 2026-08-19 11:34:26] **Unknown:** Not a problem.
- [2026-08-19 11:34:26 - 2026-08-19 11:34:29] **Unknown:** It's totally optional and it won't affect your loan application.
- [2026-08-19 11:34:29 - 2026-08-19 11:34:33] **Unknown:** I'm just going to try and see if I can open up all statements.
- [2026-08-19 11:34:36 - 2026-08-19 11:34:37] **Unknown:** All right, then.
- [2026-08-19 11:34:37 - 2026-08-19 11:34:38] **Unknown:** Perfect.
- [2026-08-19 11:34:38 - 2026-08-19 11:34:40] **Unknown:** I do have all of them.
- [2026-08-19 11:34:40 - 2026-08-19 11:34:43] **Unknown:** I'm just going to need to place you in a brief hold and I'll quickly just review your accounts.
- [2026-08-19 11:34:43 - 2026-08-19 11:34:44] **Unknown:** Is that okay?
- [2026-08-19 11:34:44 - 2026-08-19 11:34:44] **Unknown:** Sure.
- [2026-08-19 11:34:44 - 2026-08-19 11:34:45] **Unknown:** No problem.
- [2026-08-19 11:34:45 - 2026-08-19 11:34:46] **Unknown:** Thank you.
- [2026-08-19 11:34:46 - 2026-08-19 11:34:47] **Unknown:** Thank you.
- [2026-08-19 11:36:26 - 2026-08-19 11:36:32] **Unknown:** you so much for your patience hi this is for with me that's okay thank you so much for staying on
- [2026-08-19 11:36:32 - 2026-08-19 11:36:39] **Unknown:** the line um so on your nationwide account as well as your let me just double check here on your
- [2026-08-19 11:36:39 - 2026-08-19 11:36:44] **Unknown:** account i'm identifying an additional account that is under your name which account could that
- [2026-08-19 11:36:44 - 2026-08-19 11:36:49] **Unknown:** possibly i think it's starling yeah i have starling i just use it for day-to-day spending
- [2026-08-19 11:36:49 - 2026-08-19 11:36:54] **Unknown:** i can share that one as well if you would like send me a link okay not a problem let me quickly
- [2026-08-19 11:36:54 - 2026-08-19 11:36:59] **Unknown:** just send it through just a moment okay i've just sent you the link can you please check
- [2026-08-19 11:36:59 - 2026-08-19 11:37:02] **Unknown:** all right one moment all right
- [2026-08-19 11:37:07 - 2026-08-19 11:37:07] **Unknown:** Yeah.
- [2026-08-19 11:37:09 - 2026-08-19 11:37:09] **Unknown:** I'm on it.
- [2026-08-19 11:37:10 - 2026-08-19 11:37:11] **Unknown:** Okay, not a problem.
- [2026-08-19 11:37:12 - 2026-08-19 11:37:12] **Unknown:** I'll stay on the line.
- [2026-08-19 11:37:13 - 2026-08-19 11:37:13] **Unknown:** Thank you.
- [2026-08-19 11:37:39 - 2026-08-19 11:37:42] **Unknown:** Yeah, could be going through for you.
- [2026-08-19 11:37:44 - 2026-08-19 11:37:45] **Unknown:** Okay.
- [2026-08-19 11:37:45 - 2026-08-19 11:37:59] **Unknown:** Yeah, it's being processed, I think.
- [2026-08-19 11:38:00 - 2026-08-19 11:38:01] **Unknown:** Okay, not a problem.
- [2026-08-19 11:38:01 - 2026-08-19 11:38:03] **Unknown:** Let me just refresh my system.
- [2026-08-19 11:38:04 - 2026-08-19 11:38:06] **Unknown:** So, meanwhile, I'm still waiting for the stalling.
- [2026-08-19 11:38:07 - 2026-08-19 11:38:08] **Unknown:** account to be uploaded. On your
- [2026-08-19 11:38:08 - 2026-08-19 11:38:10] **Unknown:** NetWiz bank account,
- [2026-08-19 11:38:10 - 2026-08-19 11:38:12] **Unknown:** the description for your salary is
- [2026-08-19 11:38:12 - 2026-08-19 11:38:14] **Unknown:** the TLC Solutions LTD,
- [2026-08-19 11:38:14 - 2026-08-19 11:38:15] **Unknown:** right? Yes.
- [2026-08-19 11:38:16 - 2026-08-19 11:38:18] **Unknown:** And then how often do you get paid?
- [2026-08-19 11:38:18 - 2026-08-19 11:38:20] **Unknown:** Because I'm seeing small portions
- [2026-08-19 11:38:20 - 2026-08-19 11:38:22] **Unknown:** and quite high portions.
- [2026-08-19 11:38:23 - 2026-08-19 11:38:24] **Behnam:** Yeah, it's sometimes
- [2026-08-19 11:38:24 - 2026-08-19 11:38:26] **Behnam:** a lot, sometimes a little. It's spread out.
- [2026-08-19 11:38:26 - 2026-08-19 11:38:27] **Behnam:** We're not very organized with
- [2026-08-19 11:38:27 - 2026-08-19 11:38:29] **Behnam:** the business, but
- [2026-08-19 11:38:31 - 2026-08-19 11:38:32] **Behnam:** overall it should add
- [2026-08-19 11:38:32 - 2026-08-19 11:38:34] **Unknown:** up to a good amount.
- [2026-08-19 11:38:36 - 2026-08-19 11:38:36] **Unknown:** Okay.
- [2026-08-19 11:38:37 - 2026-08-19 11:38:37] **Unknown:** It's not a regular amount.
- [2026-08-19 11:38:39 - 2026-08-19 11:38:40] **Unknown:** So the small
- [2026-08-19 11:38:40 - 2026-08-19 11:38:42] **Unknown:** portions that you normally
- [2026-08-19 11:38:42 - 2026-08-19 11:38:44] **Unknown:** receive, could those be advance payments
- [2026-08-19 11:38:44 - 2026-08-19 11:38:46] **Unknown:** or do they just pay you out?
- [2026-08-19 11:38:46 - 2026-08-19 11:38:47] **Behnam:** They just pay me out.
- [2026-08-19 11:38:48 - 2026-08-19 11:38:50] **Behnam:** Usually a minimum of £600
- [2026-08-19 11:38:50 - 2026-08-19 11:38:51] **Behnam:** per week and then occasionally
- [2026-08-19 11:38:51 - 2026-08-19 11:38:52] **Behnam:** bigger amounts.
- [2026-08-19 11:38:54 - 2026-08-19 11:38:55] **Unknown:** Because I'm seeing payments of
- [2026-08-19 11:38:55 - 2026-08-19 11:38:58] **Unknown:** £100, £250,
- [2026-08-19 11:38:58 - 2026-08-19 11:38:59] **Unknown:** then £100, £100.
- [2026-08-19 11:38:59 - 2026-08-19 11:39:01] **Behnam:** Yes, they are a bit piecemeal.
- [2026-08-19 11:39:02 - 2026-08-19 11:39:03] **Behnam:** But overall
- [2026-08-19 11:39:03 - 2026-08-19 11:39:06] **Behnam:** they are for the amount
- [2026-08-19 11:39:06 - 2026-08-19 11:39:06] **Behnam:** of this.
- [2026-08-19 11:39:07 - 2026-08-19 11:39:13] **Unknown:** amount that I quoted for the year, if not more, maybe some advance.
- [2026-08-19 11:39:14 - 2026-08-19 11:39:20] **Unknown:** Okay, so all these payments reflecting under your salary or that you receive from TLC,
- [2026-08-19 11:39:20 - 2026-08-19 11:39:22] **Unknown:** it is income, not advance payment?
- [2026-08-19 11:39:22 - 2026-08-19 11:39:23] **Unknown:** Yes, that's right.
- [2026-08-19 11:39:23 - 2026-08-19 11:39:25] **Unknown:** It's my income, anything from TLC Solutions.
- [2026-08-19 11:39:25 - 2026-08-19 11:39:31] **Unknown:** I haven't done my accounts for this year yet, so I couldn't say the exact figure, but I
- [2026-08-19 11:39:31 - 2026-08-19 11:39:34] **Unknown:** based it on previous financial, yeah.
- [2026-08-19 11:39:39 - 2026-08-19 11:39:42] **Unknown:** Not a problem.
- [2026-08-19 11:39:42 - 2026-08-19 11:39:44] **Unknown:** Thank you so much for clarifying that with me.
- [2026-08-19 11:39:45 - 2026-08-19 11:39:48] **Unknown:** I'm just going to see if I can open the Starling account as well.
- [2026-08-19 11:39:48 - 2026-08-19 11:39:49] **Unknown:** Just a moment.
- [2026-08-19 11:39:50 - 2026-08-19 11:40:04] **Unknown:** Okay, I do have the Starling account.
- [2026-08-19 11:40:04 - 2026-08-19 11:40:05] **Unknown:** Just a moment, please.
- [2026-08-19 11:40:08 - 2026-08-19 11:40:11] **Unknown:** Just going to see if I can open up all of them.
- [2026-08-19 11:40:34 - 2026-08-19 11:40:35] **Unknown:** Please do excuse my silence.
- [2026-08-19 11:40:35 - 2026-08-19 11:40:36] **Unknown:** I am so with you.
- [2026-08-19 11:40:36 - 2026-08-19 11:40:37] **Unknown:** No, no, it's fine.
- [2026-08-19 11:40:37 - 2026-08-19 11:40:38] **Unknown:** Don't worry.
- [2026-08-19 11:40:38 - 2026-08-19 11:40:39] **Unknown:** Thank you.
- [2026-08-19 11:40:40 - 2026-08-19 11:41:02] **Unknown:** All right.
- [2026-08-19 11:41:02 - 2026-08-19 11:41:05] **Unknown:** Thank you so much for staying on the line.
- [2026-08-19 11:41:05 - 2026-08-19 11:41:06] **Unknown:** I just wanted to clarify a description.
- [2026-08-19 11:41:07 - 2026-08-19 11:41:08] **Unknown:** for me. So on your NetWaste
- [2026-08-19 11:41:08 - 2026-08-19 11:41:10] **Unknown:** account, there's a description
- [2026-08-19 11:41:10 - 2026-08-19 11:41:12] **Unknown:** here. It's actually found going
- [2026-08-19 11:41:12 - 2026-08-19 11:41:14] **Unknown:** out from your NetWaste account.
- [2026-08-19 11:41:14 - 2026-08-19 11:41:16] **Unknown:** I'm not sure to where, but the
- [2026-08-19 11:41:16 - 2026-08-19 11:41:17] **Unknown:** description shows as
- [2026-08-19 11:41:18 - 2026-08-19 11:41:19] **Unknown:** Burnham, and then it's
- [2026-08-19 11:41:19 - 2026-08-19 11:41:21] **Unknown:** RuffRuff Burnham.
- [2026-08-19 11:41:22 - 2026-08-19 11:41:24] **Unknown:** It must be to one of my other
- [2026-08-19 11:41:24 - 2026-08-19 11:41:28] **Unknown:** accounts. Okay, so it's
- [2026-08-19 11:41:28 - 2026-08-19 11:41:30] **Unknown:** not actually showing on the other
- [2026-08-19 11:41:30 - 2026-08-19 11:41:30] **Unknown:** accounts.
- [2026-08-19 11:41:31 - 2026-08-19 11:41:34] **Unknown:** Do you know the date? I can have a quick look.
- [2026-08-19 11:41:34 - 2026-08-19 11:41:36] **Unknown:** That was on
- [2026-08-19 11:41:36 - 2026-08-19 11:41:38] **Unknown:** the 17th of August.
- [2026-08-19 11:41:39 - 2026-08-19 11:41:40] **Unknown:** 17th of August.
- [2026-08-19 11:41:40 - 2026-08-19 11:41:42] **Unknown:** It was £100.
- [2026-08-19 11:41:53 - 2026-08-19 11:41:55] **Unknown:** 17th of August.
- [2026-08-19 11:41:55 - 2026-08-19 11:41:57] **Unknown:** It was
- [2026-08-19 11:41:57 - 2026-08-19 11:41:59] **Unknown:** a transfer of
- [2026-08-19 11:41:59 - 2026-08-19 11:42:03] **Unknown:** £100. I think that
- [2026-08-19 11:42:03 - 2026-08-19 11:42:05] **Unknown:** was to my wife's account. That one was
- [2026-08-19 11:42:05 - 2026-08-19 11:42:06] **Unknown:** to my wife's account.
- [2026-08-19 11:42:07 - 2026-08-19 11:42:08] **Behnam:** I don't know why it's my name.
- [2026-08-19 11:42:09 - 2026-08-19 11:42:12] **Behnam:** It shouldn't be my name, unless it's a reference.
- [2026-08-19 11:42:12 - 2026-08-19 11:42:13] **Behnam:** But no, it looks like.
- [2026-08-19 11:42:15 - 2026-08-19 11:42:21] **Unknown:** Okay, and then there's another description that it's still on your NetWaste account.
- [2026-08-19 11:42:21 - 2026-08-19 11:42:25] **Unknown:** It's TLC Solution LTD, and then it has your first name and last name.
- [2026-08-19 11:42:26 - 2026-08-19 11:42:28] **Unknown:** That was on the 3rd of August.
- [2026-08-19 11:42:29 - 2026-08-19 11:42:30] **Behnam:** Let me see.
- [2026-08-19 11:42:30 - 2026-08-19 11:42:35] **Behnam:** I lent some money to their company, and I received it back in cash.
- [2026-08-19 11:42:35 - 2026-08-19 11:42:40] **Unknown:** So you lent that to the company, or did the company lend that to you?
- [2026-08-19 11:42:40 - 2026-08-19 11:42:43] **Behnam:** I lent it to the company, and I received it back in cash.
- [2026-08-19 11:42:44 - 2026-08-19 11:42:45] **Unknown:** All right, not a problem then.
- [2026-08-19 11:42:45 - 2026-08-19 11:42:47] **Unknown:** Thank you so much for clarifying that with me.
- [2026-08-19 11:42:48 - 2026-08-19 11:42:50] **Unknown:** I'm just going to place you on hold once again, okay?
- [2026-08-19 11:42:50 - 2026-08-19 11:42:51] **Unknown:** No problem, of course.
- [2026-08-19 11:42:52 - 2026-08-19 11:42:52] **Unknown:** Thank you.
- [2026-08-19 11:49:08 - 2026-08-19 11:49:09] **Unknown:** Thank you.
- [2026-08-19 11:50:10 - 2026-08-19 11:50:12] **Unknown:** Thank you so, so much for your patience.
- [2026-08-19 11:50:12 - 2026-08-19 11:50:13] **Unknown:** Hi there, so are you still with me?
- [2026-08-19 11:50:13 - 2026-08-19 11:50:15] **Behnam:** That's fine, no problem at all.
- [2026-08-19 11:50:16 - 2026-08-19 11:50:17] **Unknown:** Thank you so much for staying on the line.
- [2026-08-19 11:50:18 - 2026-08-19 11:50:21] **Unknown:** So I'm still going through your bank statements, right?
- [2026-08-19 11:50:22 - 2026-08-19 11:50:22] **Unknown:** Okay.
- [2026-08-19 11:50:22 - 2026-08-19 11:50:26] **Unknown:** On your nationwide account, I just want you to clarify something for me.
- [2026-08-19 11:50:26 - 2026-08-19 11:50:32] **Unknown:** So on a monthly basis, on your nationwide account, there is 1,200 that is coming in.
- [2026-08-19 11:50:32 - 2026-08-19 11:50:34] **Unknown:** Could that be possibly from one of the accounts?
- [2026-08-19 11:50:35 - 2026-08-19 11:50:38] **Unknown:** 1,200 coming in or out?
- [2026-08-19 11:50:39 - 2026-08-19 11:50:40] **Unknown:** In, it's coming in.
- [2026-08-19 11:50:40 - 2026-08-19 11:50:46] **Unknown:** The description that I'm seeing here, it is returned standing order B&S Ruff Ruff.
- [2026-08-19 11:50:46 - 2026-08-19 11:50:48] **Behnam:** Ah, yes, it should be.
- [2026-08-19 11:50:48 - 2026-08-19 11:50:54] **Behnam:** It was supposed to be a payment to the joint account, the Santander one that you can see.
- [2026-08-19 11:50:55 - 2026-08-19 11:50:55] **Behnam:** Okay.
- [2026-08-19 11:50:55 - 2026-08-19 11:50:58] **Behnam:** But the standing order, I haven't used it.
- [2026-08-19 11:50:59 - 2026-08-19 11:51:00] **Behnam:** I just paid in manually.
- [2026-08-19 11:51:01 - 2026-08-19 11:51:06] **Unknown:** So this would be a corresponding outward transaction and then the return.
- [2026-08-19 11:51:07 - 2026-08-19 11:51:08] **Unknown:** turn of the inward transaction and I usually
- [2026-08-19 11:51:08 - 2026-08-19 11:51:10] **Unknown:** did it a day or two later
- [2026-08-19 11:51:10 - 2026-08-19 11:51:11] **Unknown:** manually. Okay.
- [2026-08-19 11:51:12 - 2026-08-19 11:51:14] **Unknown:** Alright, I can see it as well on
- [2026-08-19 11:51:14 - 2026-08-19 11:51:16] **Unknown:** the outgoings as well.
- [2026-08-19 11:51:16 - 2026-08-19 11:51:18] **Unknown:** And then there's another
- [2026-08-19 11:51:18 - 2026-08-19 11:51:20] **Unknown:** income still on the nationwide.
- [2026-08-19 11:51:20 - 2026-08-19 11:51:22] **Unknown:** It is $460. It also shows
- [2026-08-19 11:51:22 - 2026-08-19 11:51:24] **Unknown:** return standing order and then it has
- [2026-08-19 11:51:24 - 2026-08-19 11:51:26] **Unknown:** been rough, rough. Could that also
- [2026-08-19 11:51:26 - 2026-08-19 11:51:28] **Unknown:** be the same thing happening?
- [2026-08-19 11:51:28 - 2026-08-19 11:51:30] **Unknown:** Yeah, it's the same thing happening there.
- [2026-08-19 11:51:30 - 2026-08-19 11:51:32] **Unknown:** Yeah, they cancelled each other out.
- [2026-08-19 11:51:32 - 2026-08-19 11:51:34] **Unknown:** I should have cancelled them a long time ago
- [2026-08-19 11:51:35 - 2026-08-19 11:51:36] **Unknown:** as far as using the account
- [2026-08-19 11:51:36 - 2026-08-19 11:51:38] **Unknown:** that way and I left them standing
- [2026-08-19 11:51:38 - 2026-08-19 11:51:40] **Unknown:** order in place without the funds.
- [2026-08-19 11:51:40 - 2026-08-19 11:51:42] **Unknown:** It was very stupid of me, but
- [2026-08-19 11:51:42 - 2026-08-19 11:51:44] **Unknown:** yeah, they should cancel each other out.
- [2026-08-19 11:51:46 - 2026-08-19 11:51:48] **Unknown:** Alright, then. Thank you so much
- [2026-08-19 11:51:48 - 2026-08-19 11:51:49] **Unknown:** for clarifying that for me.
- [2026-08-19 11:51:50 - 2026-08-19 11:51:51] **Unknown:** I'm just going to open up the affordability
- [2026-08-19 11:51:51 - 2026-08-19 11:51:54] **Unknown:** screen so that I can just capture
- [2026-08-19 11:51:54 - 2026-08-19 11:51:55] **Unknown:** everything manually. Just a moment,
- [2026-08-19 11:51:56 - 2026-08-19 11:52:01] **Unknown:** please. No problem. Alright, so
- [2026-08-19 11:52:01 - 2026-08-19 11:52:03] **Unknown:** the average that I've calculated for your salary
- [2026-08-19 11:52:03 - 2026-08-19 11:52:06] **Unknown:** is around $4,683.
- [2026-08-19 11:52:07 - 2026-08-19 11:52:08] **Unknown:** pounds and 33 pence. Can I use that
- [2026-08-19 11:52:08 - 2026-08-19 11:52:10] **Unknown:** as your main income? Yeah, by all means.
- [2026-08-19 11:52:11 - 2026-08-19 11:52:15] **Unknown:** I'm just going to have a look here.
- [2026-08-19 11:52:17 - 2026-08-19 11:52:19] **Unknown:** And could you please confirm, besides
- [2026-08-19 11:52:19 - 2026-08-19 11:52:21] **Unknown:** your main account where your salary comes
- [2026-08-19 11:52:21 - 2026-08-19 11:52:22] **Unknown:** into, which is the
- [2026-08-19 11:52:24 - 2026-08-19 11:52:25] **Behnam:** net risk,
- [2026-08-19 11:52:26 - 2026-08-19 11:52:27] **Unknown:** did you get paid on
- [2026-08-19 11:52:27 - 2026-08-19 11:52:28] **Unknown:** another account? No.
- [2026-08-19 11:52:29 - 2026-08-19 11:52:31] **Unknown:** Not at all? I don't think so.
- [2026-08-19 11:52:31 - 2026-08-19 11:52:32] **Behnam:** I don't think so.
- [2026-08-19 11:52:33 - 2026-08-19 11:52:35] **Behnam:** I used to use the nationwide one, but I
- [2026-08-19 11:52:35 - 2026-08-19 11:52:37] **Behnam:** think it's more than 12 months since it was
- [2026-08-19 11:52:38 - 2026-08-19 11:52:40] **Behnam:** I don't know how far back you look.
- [2026-08-19 11:52:44 - 2026-08-19 11:52:46] **Unknown:** Okay, and then I do see that your salary does
- [2026-08-19 11:52:46 - 2026-08-19 11:52:47] **Unknown:** actually differ. Could you please
- [2026-08-19 11:52:47 - 2026-08-19 11:52:50] **Unknown:** confirm, does it depend on the
- [2026-08-19 11:52:50 - 2026-08-19 11:52:51] **Unknown:** overtime? I'm sorry, I just
- [2026-08-19 11:52:52 - 2026-08-19 11:52:53] **Behnam:** couldn't hear that for a second. I was
- [2026-08-19 11:52:53 - 2026-08-19 11:52:55] **Behnam:** going past, I'm sorry.
- [2026-08-19 11:52:55 - 2026-08-19 11:52:58] **Unknown:** Can you hear me now? Yes, yeah, it's fine now.
- [2026-08-19 11:52:59 - 2026-08-19 11:53:00] **Unknown:** Alright, so I do see that
- [2026-08-19 11:53:00 - 2026-08-19 11:53:02] **Unknown:** your salary does actually fluctuate.
- [2026-08-19 11:53:02 - 2026-08-19 11:53:03] **Unknown:** What can I write on the
- [2026-08-19 11:53:03 - 2026-08-19 11:53:06] **Unknown:** application? Does it depend on the hours
- [2026-08-19 11:53:06 - 2026-08-19 11:53:06] **Unknown:** that you work?
- [2026-08-19 11:53:07 - 2026-08-19 11:53:08] **Unknown:** or is it because of overtime?
- [2026-08-19 11:53:09 - 2026-08-19 11:53:10] **Unknown:** Overtime, yeah.
- [2026-08-19 11:53:11 - 2026-08-19 11:53:12] **Unknown:** Security overtime.
- [2026-08-19 11:53:12 - 2026-08-19 11:53:13] **Unknown:** Okay.
- [2026-08-19 11:53:13 - 2026-08-19 11:53:15] **Unknown:** And then on the joint account,
- [2026-08-19 11:53:15 - 2026-08-19 11:53:18] **Unknown:** I do see that you guys also received child benefit.
- [2026-08-19 11:53:18 - 2026-08-19 11:53:20] **Unknown:** Does that come into your account?
- [2026-08-19 11:53:20 - 2026-08-19 11:53:21] **Unknown:** Do you receive it or does it?
- [2026-08-19 11:53:22 - 2026-08-19 11:53:23] **Unknown:** It's a joint account.
- [2026-08-19 11:53:23 - 2026-08-19 11:53:25] **Unknown:** We receive it jointly,
- [2026-08-19 11:53:25 - 2026-08-19 11:53:26] **Unknown:** so you could call half of it my income.
- [2026-08-19 11:53:27 - 2026-08-19 11:53:27] **Unknown:** Yes.
- [2026-08-19 11:53:29 - 2026-08-19 11:53:30] **Unknown:** So I can put half?
- [2026-08-19 11:53:31 - 2026-08-19 11:53:33] **Unknown:** Yeah, it makes sense.
- [2026-08-19 11:53:34 - 2026-08-19 11:53:34] **Unknown:** Okay.
- [2026-08-19 11:53:34 - 2026-08-19 11:53:40] **Unknown:** So it's 108 pounds and 20 pence.
- [2026-08-19 11:53:40 - 2026-08-19 11:53:44] **Unknown:** If I divide that by two, it is 51 pounds and 10 pence.
- [2026-08-19 11:53:44 - 2026-08-19 11:53:46] **Unknown:** So can I add that as one of your...
- [2026-08-19 11:53:46 - 2026-08-19 11:53:48] **Unknown:** Yes, I usually never think about it,
- [2026-08-19 11:53:48 - 2026-08-19 11:53:49] **Unknown:** but you can, of course.
- [2026-08-19 11:53:50 - 2026-08-19 11:53:52] **Unknown:** All right, not a problem.
- [2026-08-19 11:53:52 - 2026-08-19 11:53:56] **Unknown:** So I'll also add the other 54 pounds and 10 pence
- [2026-08-19 11:53:56 - 2026-08-19 11:53:57] **Unknown:** for what your wife also received.
- [2026-08-19 11:53:58 - 2026-08-19 11:54:00] **Unknown:** And then could you please confirm,
- [2026-08-19 11:54:00 - 2026-08-19 11:54:02] **Unknown:** besides your main salary and the benefit,
- [2026-08-19 11:54:02 - 2026-08-19 11:54:04] **Unknown:** is there anything that you receive?
- [2026-08-19 11:54:04 - 2026-08-19 11:54:06] **Unknown:** Or any additional income or benefit?
- [2026-08-19 11:54:06 - 2026-08-19 11:54:06] **Unknown:** No.
- [2026-08-19 11:54:07 - 2026-08-19 11:54:07] **Unknown:** No.
- [2026-08-19 11:54:08 - 2026-08-19 11:54:08] **Unknown:** All right.
- [2026-08-19 11:54:08 - 2026-08-19 11:54:11] **Unknown:** I mean, does your partner contribute towards the household?
- [2026-08-19 11:54:11 - 2026-08-19 11:54:12] **Behnam:** She does.
- [2026-08-19 11:54:13 - 2026-08-19 11:54:13] **Unknown:** All right.
- [2026-08-19 11:54:13 - 2026-08-19 11:54:19] **Unknown:** Can I have an approximate amount or an estimated amount that you think your partner gets on a monthly basis off the tip?
- [2026-08-19 11:54:19 - 2026-08-19 11:54:24] **Behnam:** I think she pays around £2,000 towards the household bills and mortgage and everything.
- [2026-08-19 11:54:26 - 2026-08-19 11:54:29] **Unknown:** The overall amount, should I say, is £2,000 that she receives?
- [2026-08-19 11:54:29 - 2026-08-19 11:54:29] **Unknown:** Yes.
- [2026-08-19 11:54:29 - 2026-08-19 11:54:33] **Behnam:** She receives or she pays towards the house, sorry.
- [2026-08-19 11:54:35 - 2026-08-19 11:54:36] **Behnam:** What was the question?
- [2026-08-19 11:54:36 - 2026-08-19 11:54:38] **Behnam:** Was it the income or her contribution?
- [2026-08-19 11:54:39 - 2026-08-19 11:54:39] **Unknown:** Her income.
- [2026-08-19 11:54:39 - 2026-08-19 11:54:40] **Unknown:** Her income, sorry.
- [2026-08-19 11:54:41 - 2026-08-19 11:54:42] **Unknown:** I'm sorry, monthly, after tax, yes.
- [2026-08-19 11:54:43 - 2026-08-19 11:54:47] **Behnam:** I don't know the income after tax, but I know her annual salary is £56,000.
- [2026-08-19 11:54:49 - 2026-08-19 11:54:50] **Unknown:** Is that after tax?
- [2026-08-19 11:54:50 - 2026-08-19 11:54:52] **Behnam:** Before tax.
- [2026-08-19 11:54:53 - 2026-08-19 11:54:56] **Unknown:** Can you give me an estimated amount that you think she gets on a monthly basis?
- [2026-08-19 11:54:56 - 2026-08-19 11:54:57] **Unknown:** Yeah, just bear with me.
- [2026-08-19 11:54:57 - 2026-08-19 11:54:58] **Unknown:** I'll just...
- [2026-08-19 11:55:24 - 2026-08-19 11:55:29] **Behnam:** Calculating, it should be around 4,670.
- [2026-08-19 11:55:30 - 2026-08-19 11:55:32] **Behnam:** Sorry, sorry, sorry.
- [2026-08-19 11:55:32 - 2026-08-19 11:55:33] **Behnam:** No, no, no, sorry.
- [2026-08-19 11:55:33 - 2026-08-19 11:55:33] **Behnam:** That's gross.
- [2026-08-19 11:55:33 - 2026-08-19 11:55:35] **Behnam:** 3,636.
- [2026-08-19 11:55:37 - 2026-08-19 11:55:38] **Unknown:** Okay.
- [2026-08-19 11:55:38 - 2026-08-19 11:55:40] **Unknown:** Approximately 3,600.
- [2026-08-19 11:55:41 - 2026-08-19 11:55:45] **Unknown:** And then there is the child benefit of 54 pounds in 10 years.
- [2026-08-19 11:55:45 - 2026-08-19 11:55:45] **Unknown:** Yeah, yeah.
- [2026-08-19 11:55:46 - 2026-08-19 11:55:47] **Unknown:** Right.
- [2026-08-19 11:55:47 - 2026-08-19 11:55:50] **Unknown:** And then is there any additional income or any other benefits that you receive?
- [2026-08-19 11:55:50 - 2026-08-19 11:55:51] **Unknown:** No.
- [2026-08-19 11:55:51 - 2026-08-19 11:55:53] **Unknown:** All right, then.
- [2026-08-19 11:55:53 - 2026-08-19 11:55:54] **Unknown:** Perfect.
- [2026-08-19 11:55:54 - 2026-08-19 11:55:54] **Unknown:** Perfect.
- [2026-08-19 11:55:54 - 2026-08-19 11:55:55] **Unknown:** Just a moment.
- [2026-08-19 11:55:57 - 2026-08-19 11:56:05] **Unknown:** And then on the statements, do you see that the mortgage payment is around 1,687 pounds and 37 pence?
- [2026-08-19 11:56:05 - 2026-08-19 11:56:05] **Unknown:** Yeah.
- [2026-08-19 11:56:06 - 2026-08-19 11:56:06] **Unknown:** That is the exact.
- [2026-08-19 11:56:07 - 2026-08-19 11:56:17] **Unknown:** amount right yes however you contribute 800 you mentioned yes yes okay just get this saved
- [2026-08-19 11:56:17 - 2026-08-19 11:56:22] **Unknown:** all right thank you so much for clarifying that for me so um as part of our customer
- [2026-08-19 11:56:22 - 2026-08-19 11:56:27] **Unknown:** due diligence requirements there is just a few items that we need this is simply just for your
- [2026-08-19 11:56:27 - 2026-08-19 11:56:32] **Unknown:** identity verification what i'll be doing is i will be sending you an email but you're not going
- [2026-08-19 11:56:32 - 2026-08-19 11:56:38] **Unknown:** to receive it immediately however as soon as you get that email we do need you to attach your
- [2026-08-19 11:56:38 - 2026-08-19 11:56:45] **Unknown:** original photographic id that could either be your passport or driver's license and then we
- [2026-08-19 11:56:45 - 2026-08-19 11:56:52] **Unknown:** just need a selfie of you holding your id so um as per information and documents you have provided
- [2026-08-19 11:56:52 - 2026-08-19 11:56:57] **Unknown:** to us um the loan is conditionally approved what i'll be doing is i'm just going to reach out to
- [2026-08-19 11:56:57 - 2026-08-19 11:57:01] **Unknown:** the branch just for a few seconds um get a customer account manager to process the application
- [2026-08-19 11:57:01 - 2026-08-19 11:57:06] **Unknown:** do you mind staying on the line while i reach out to them that's fine that's fine thank you
- [2026-08-19 11:58:17 - 2026-08-19 11:58:19] **Unknown:** Hi, thank you so much for your patience.
- [2026-08-19 11:58:19 - 2026-08-19 11:58:19] **Unknown:** Are you still with me?
- [2026-08-19 11:58:19 - 2026-08-19 11:58:20] **Unknown:** That's okay.
- [2026-08-19 11:58:21 - 2026-08-19 11:58:21] **Unknown:** All right.
- [2026-08-19 11:58:21 - 2026-08-19 11:58:24] **Unknown:** So it does seem like they are just having a call to you on the end,
- [2026-08-19 11:58:25 - 2026-08-19 11:58:27] **Unknown:** just assisting other customers as well.
- [2026-08-19 11:58:27 - 2026-08-19 11:58:31] **Unknown:** What I'll be doing is I'll assign your application to one of them,
- [2026-08-19 11:58:31 - 2026-08-19 11:58:35] **Unknown:** so they should contact you within 24 hours to initially finalize everything.
- [2026-08-19 11:58:35 - 2026-08-19 11:58:38] **Unknown:** However, we do aim to give you a call back as soon as possible, okay?
- [2026-08-19 11:58:39 - 2026-08-19 11:58:39] **Unknown:** No problem.
- [2026-08-19 11:58:39 - 2026-08-19 11:58:40] **Unknown:** That's fine.
- [2026-08-19 11:58:40 - 2026-08-19 11:58:40] **Unknown:** That's brilliant.
- [2026-08-19 11:58:41 - 2026-08-19 11:58:41] **Unknown:** Thank you.
- [2026-08-19 11:58:42 - 2026-08-19 11:58:44] **Unknown:** Thank you so much for your time and patience.
- [2026-08-19 11:58:44 - 2026-08-19 11:58:45] **Unknown:** No, thank you.
- [2026-08-19 11:58:45 - 2026-08-19 11:58:46] **Unknown:** Did you maybe have any additional questions?
- [2026-08-19 11:58:47 - 2026-08-19 11:58:48] **Unknown:** Not at the moment, no.
- [2026-08-19 11:58:48 - 2026-08-19 11:58:49] **Unknown:** That's perfect.
- [2026-08-19 11:58:49 - 2026-08-19 11:58:49] **Unknown:** Thank you.
- [2026-08-19 11:58:50 - 2026-08-19 11:58:51] **Unknown:** Thank you so much for your time.
- [2026-08-19 11:58:51 - 2026-08-19 11:58:51] **Unknown:** Goodbye.
- [2026-08-19 11:58:52 - 2026-08-19 11:58:52] **Unknown:** Bye-bye.