# Call Recording Transcript

- Started: 2026-07-29 16:01:57
- Direction: outbound
- Caller: Behnam
- Destination: 08004643050
- Duration: 12m 36s
- Disposition: ANSWERED

## Transcript

- [2026-07-29 16:01:59 - 2026-07-29 16:02:02] **Unknown:** Welcome to Nationwide Collections Department.
- [2026-07-29 16:02:03 - 2026-07-29 16:02:05] **Unknown:** To help us to access details on your account,
- [2026-07-29 16:02:06 - 2026-07-29 16:02:09] **Unknown:** please enter the 16-digit number that appears on your credit card.
- [2026-07-29 16:02:09 - 2026-07-29 16:02:20] **Unknown:** To help us to access details on your account,
- [2026-07-29 16:02:20 - 2026-07-29 16:02:24] **Unknown:** please enter the 16-digit number that appears on your credit card.
- [2026-07-29 16:02:24 - 2026-07-29 16:02:26] **Unknown:** I don't have it with me.
- [2026-07-29 16:02:26 - 2026-07-29 16:02:37] **Unknown:** Let's get someone to help you.
- [2026-07-29 16:02:38 - 2026-07-29 16:02:40] **Unknown:** Calls are recorded to help improve our service.
- [2026-07-29 16:02:41 - 2026-07-29 16:02:44] **Unknown:** We are committed to treat every member as an individual,
- [2026-07-29 16:02:44 - 2026-07-29 16:02:49] **Unknown:** so please let us know about any access, health, or support needs you may have
- [2026-07-29 16:02:49 - 2026-07-29 16:02:51] **Unknown:** so we can help you manage your money.
- [2026-07-29 16:02:57 - 2026-07-29 16:03:00] **Unknown:** To Jeff at Nationwide, can he confirm your full name, please?
- [2026-07-29 16:03:00 - 2026-07-29 16:03:01] **Unknown:** Benham Raff Raff.
- [2026-07-29 16:03:05 - 2026-07-29 16:03:06] **Unknown:** Sorry, can I take this one?
- [2026-07-29 16:03:06 - 2026-07-29 16:03:08] **Unknown:** Yeah, sorry, Raff Raff.
- [2026-07-29 16:03:09 - 2026-07-29 16:03:12] **Unknown:** Benham Bravo Echo Hotel, November Alpha Mike,
- [2026-07-29 16:03:12 - 2026-07-29 16:03:17] **Unknown:** and the surname is Raff Raff Romeo Alpha Foxtrot, Romeo Alpha Foxtrot.
- [2026-07-29 16:03:24 - 2026-07-29 16:03:26] **Unknown:** And your date of birth, please?
- [2026-07-29 16:03:26 - 2026-07-29 16:03:28] **Unknown:** 24th of January, 1987.
- [2026-07-29 16:03:29 - 2026-07-29 16:03:37] **Unknown:** Sorry, the first name again?
- [2026-07-29 16:03:38 - 2026-07-29 16:03:41] **Unknown:** Benham, B-E-H-N-A-M.
- [2026-07-29 16:03:42 - 2026-07-29 16:03:43] **Unknown:** N-A-M, okay.
- [2026-07-29 16:03:43 - 2026-07-29 16:03:43] **Unknown:** Yeah.
- [2026-07-29 16:03:44 - 2026-07-29 16:03:46] **Unknown:** Just be one moment, and then I'm just loading the account.
- [2026-07-29 16:03:46 - 2026-07-29 16:03:47] **Unknown:** No worries.
- [2026-07-29 16:03:55 - 2026-07-29 16:03:56] **Unknown:** If you could just confirm.
- [2026-07-29 16:03:57 - 2026-07-29 16:04:05] **Unknown:** your date of birth again yeah 24 january 1987 and your address and postcode attend st oswald's way
- [2026-07-29 16:04:06 - 2026-07-29 16:04:15] **Unknown:** s72aa okay and do you have access to the mobile banking app at all i do yes okay um are you able
- [2026-07-29 16:04:15 - 2026-07-29 16:04:28] **Unknown:** to log into that yeah just bear with me bring it yeah sure yeah i'm in but now just one moment
- [2026-07-29 16:04:28 - 2026-07-29 16:04:52] **Unknown:** you're able to log out of it and log back yeah sure that's okay yeah i'm back in
- [2026-07-29 16:04:57 - 2026-07-29 16:05:04] **Unknown:** Okay. Thank you. So, yeah, you've passed security today, so I'm just going to check a few things.
- [2026-07-29 16:05:05 - 2026-07-29 16:05:09] **Unknown:** I've got your mobile ending in two double zeros. Is that the correct one?
- [2026-07-29 16:05:09 - 2026-07-29 16:05:10] **Behnam:** Yes, that's right.
- [2026-07-29 16:05:11 - 2026-07-29 16:05:14] **Unknown:** Yeah, and then there's a work number ending in triple nine. Is that correct, Bobby?
- [2026-07-29 16:05:14 - 2026-07-29 16:05:16] **Unknown:** That's correct as well, yeah.
- [2026-07-29 16:05:16 - 2026-07-29 16:05:22] **Unknown:** That's great. And just checking if you have any health access or support needs that we need to be aware of?
- [2026-07-29 16:05:22 - 2026-07-29 16:05:23] **Behnam:** Not really, I think, no.
- [2026-07-29 16:05:24 - 2026-07-29 16:05:29] **Unknown:** Okay. And do you have any accounts or products with a company called Virgin Money at all?
- [2026-07-29 16:05:29 - 2026-07-29 16:05:31] **Unknown:** Yes, I have a Virgin credit card as well.
- [2026-07-29 16:05:31 - 2026-07-29 16:05:40] **Unknown:** Yeah, that's fine. So, all it is is just, as they are merging with Nationwide, if you have any queries with that account or need any help, you just have to contact them separately.
- [2026-07-29 16:05:40 - 2026-07-29 16:05:43] **Behnam:** Separately, okay. I was going to ask that, but I can't answer that.
- [2026-07-29 16:05:43 - 2026-07-29 16:05:50] **Unknown:** So, with ourselves then, because you've got a Flex account, Cash Builder, ISO and a credit card, is it the credit card you're calling about?
- [2026-07-29 16:05:50 - 2026-07-29 16:05:53] **Behnam:** Yeah, it is. It's over the limit and it's in areas.
- [2026-07-29 16:05:54 - 2026-07-29 16:05:56] **Behnam:** I was just going to ask if I could have...
- [2026-07-29 16:05:57 - 2026-07-29 16:06:01] **Behnam:** sort of a montage so to bring my finances under control and bring it back in line
- [2026-07-29 16:06:03 - 2026-07-29 16:06:07] **Unknown:** all right let me just have a look at the account for you um so it is currently showing then the
- [2026-07-29 16:06:07 - 2026-07-29 16:06:12] **Behnam:** credit card is two months um in arrears yeah yeah and then they're like they're over the limit as
- [2026-07-29 16:06:12 - 2026-07-29 16:06:18] **Unknown:** well so they uh so when you say you need another month what has been the situation sorry have we
- [2026-07-29 16:06:18 - 2026-07-29 16:06:24] **Behnam:** had a change in situation yeah i've been quite unwell and i'm gonna have an operation uh for
- [2026-07-29 16:06:24 - 2026-07-29 16:06:30] **Behnam:** a condition called achalasia so it's affected my ability to work quite a lot and i'm supposed
- [2026-07-29 16:06:30 - 2026-07-29 16:06:36] **Behnam:** to be running a business it's not gone very well uh but i'm back to a certain level now that i can
- [2026-07-29 16:06:37 - 2026-07-29 16:06:41] **Behnam:** manage to work again and we've got things under control so the business will be generating an
- [2026-07-29 16:06:41 - 2026-07-29 16:06:48] **Behnam:** income for me again yeah we should be substantial enough to cover my debts uh it's just it's going
- [2026-07-29 16:06:48 - 2026-07-29 16:06:52] **Behnam:** to take me a couple of weeks at least before i'm in a position to catch up with this and
- [2026-07-29 16:06:52 - 2026-07-29 16:06:54] **Behnam:** uh the virgin credit card i
- [2026-07-29 16:06:54 - 2026-07-29 16:06:54] **Behnam:** also call that
- [2026-07-29 16:06:59 - 2026-07-29 16:07:02] **Unknown:** Sorry, you said you've got the Virgin credit card as well that you need to...
- [2026-07-29 16:07:02 - 2026-07-29 16:07:04] **Behnam:** Yeah, I've got that and a bucket card, and they're all over, too.
- [2026-07-29 16:07:06 - 2026-07-29 16:07:07] **Unknown:** Okay, no, I understand.
- [2026-07-29 16:07:07 - 2026-07-29 16:07:12] **Unknown:** So how long have you been not working for, then?
- [2026-07-29 16:07:12 - 2026-07-29 16:07:14] **Behnam:** I've been working just not very well for...
- [2026-07-29 16:07:14 - 2026-07-29 16:07:16] **Behnam:** It's about three months now.
- [2026-07-29 16:07:17 - 2026-07-29 16:07:20] **Behnam:** I mean, I run a business that means I can't just abandon it.
- [2026-07-29 16:07:21 - 2026-07-29 16:07:24] **Behnam:** But I can move it to attend every day.
- [2026-07-29 16:07:25 - 2026-07-29 16:07:27] **Behnam:** So it's been for a couple of months, really,
- [2026-07-29 16:07:27 - 2026-07-29 16:07:29] **Behnam:** two or three months at least.
- [2026-07-29 16:07:30 - 2026-07-29 16:07:32] **Unknown:** Okay, so you're self-employed, sorry.
- [2026-07-29 16:07:32 - 2026-07-29 16:07:35] **Behnam:** Yeah, I'm a director of a company, actually.
- [2026-07-29 16:07:35 - 2026-07-29 16:07:37] **Behnam:** Yeah, self-employed as well.
- [2026-07-29 16:07:39 - 2026-07-29 16:07:39] **Unknown:** Okay.
- [2026-07-29 16:07:40 - 2026-07-29 16:07:42] **Unknown:** So when you say you're waiting to have an operation,
- [2026-07-29 16:07:42 - 2026-07-29 16:07:44] **Unknown:** do you know when that is?
- [2026-07-29 16:07:44 - 2026-07-29 16:07:48] **Behnam:** Yeah, I'm pending some more tests, but it's on the stock,
- [2026-07-29 16:07:48 - 2026-07-29 16:07:50] **Behnam:** and it's quite major.
- [2026-07-29 16:07:51 - 2026-07-29 16:07:53] **Behnam:** It should put me back to full health eventually.
- [2026-07-29 16:07:54 - 2026-07-29 16:07:56] **Unknown:** Yeah, okay, I understand.
- [2026-07-29 16:07:56 - 2026-07-29 16:07:56] **Unknown:** So I just want to...
- [2026-07-29 16:07:57 - 2026-07-29 16:08:01] **Unknown:** to check um so when i ask a client at the start of the call if you want any uh support needs you
- [2026-07-29 16:08:01 - 2026-07-29 16:08:04] **Unknown:** want us to add so i don't know if you're wanting me to add any of the support needs about that
- [2026-07-29 16:08:04 - 2026-07-29 16:08:08] **Unknown:** your health i mean i don't need any special treatment for it to be honest it's my excuse
- [2026-07-29 16:08:08 - 2026-07-29 16:08:15] **Unknown:** for the day payment but uh disabled or anything i don't need any no no i understand it's just um
- [2026-07-29 16:08:16 - 2026-07-29 16:08:19] **Unknown:** yeah no it's your choice obviously if you want us to add it it's just something that we do add
- [2026-07-29 16:08:19 - 2026-07-29 16:08:24] **Unknown:** if customers are struggling just so we're aware and any member of staff will see that but you
- [2026-07-29 16:08:24 - 2026-07-29 16:08:29] **Unknown:** don't want any any anything special training no no that's that's fine um i'll put that down
- [2026-07-29 16:08:29 - 2026-07-29 16:08:34] **Unknown:** if anything changes and obviously you do want us to add anything then yeah let us know anytime
- [2026-07-29 16:08:37 - 2026-07-29 16:08:44] **Unknown:** that's fine i'll put that down so just just checking with other bills and things like rent
- [2026-07-29 16:08:44 - 2026-07-29 16:08:48] **Unknown:** council tax gas for electricity or mortgage are they up today at the moment they're all up to that
- [2026-07-29 16:08:48 - 2026-07-29 16:08:53] **Unknown:** yes yeah that's fine and then you said you've obviously got other creditors and have you spoken
- [2026-07-29 16:08:53 - 2026-07-29 16:08:56] **Unknown:** to them or do you need to speak the second one that i've
- [2026-07-29 16:08:56 - 2026-07-29 16:08:56] **Unknown:** been talking to
- [2026-07-29 16:08:58 - 2026-07-29 16:09:04] **Behnam:** Also, I've got Barclays card and they've given me 30 day, what do you call it, frozen
- [2026-07-29 16:09:05 - 2026-07-29 16:09:09] **Unknown:** top printing space, whatever, and I haven't spoken to Virgin yet.
- [2026-07-29 16:09:09 - 2026-07-29 16:09:13] **Behnam:** I was going to ask if you can deal with that account as well or not, but I guess not yet.
- [2026-07-29 16:09:14 - 2026-07-29 16:09:16] **Unknown:** Yeah, we can't at the moment, no.
- [2026-07-29 16:09:16 - 2026-07-29 16:09:19] **Unknown:** So Barclays is on hold and then you need to speak to Virgin, eh?
- [2026-07-29 16:09:19 - 2026-07-29 16:09:20] **Unknown:** Yes.
- [2026-07-29 16:09:20 - 2026-07-29 16:09:22] **Unknown:** Okay, I'll put that down.
- [2026-07-29 16:09:22 - 2026-07-29 16:09:26] **Unknown:** And is there anyone else you have to support, like partner or children or family?
- [2026-07-29 16:09:26 - 2026-07-29 16:09:27] **Unknown:** I have one child.
- [2026-07-29 16:09:27 - 2026-07-29 16:09:31] **Unknown:** My wife works, so that's why I would pay her to date.
- [2026-07-29 16:09:32 - 2026-07-29 16:09:32] **Unknown:** Okay.
- [2026-07-29 16:09:32 - 2026-07-29 16:09:33] **Unknown:** Yeah, I'll put that down.
- [2026-07-29 16:09:37 - 2026-07-29 16:09:38] **Unknown:** Okay.
- [2026-07-29 16:09:38 - 2026-07-29 16:09:40] **Unknown:** So yeah, there's a few things we could do with the credit card then.
- [2026-07-29 16:09:40 - 2026-07-29 16:09:47] **Unknown:** So if you think you need another month, then, you know, we could put it on hold, but then
- [2026-07-29 16:09:47 - 2026-07-29 16:09:51] **Unknown:** obviously at the end of the hold, there'll be three months worth of payment.
- [2026-07-29 16:09:51 - 2026-07-29 16:09:51] **Behnam:** Yeah.
- [2026-07-29 16:09:51 - 2026-07-29 16:09:54] **Unknown:** At the moment, it's two months.
- [2026-07-29 16:09:54 - 2026-07-29 16:09:56] **Unknown:** So do you think then if we did a hold, then it's...
- [2026-07-29 16:09:57 - 2026-07-29 16:09:59] **Unknown:** In a month's time, would you be in a position to clear the arrears?
- [2026-07-29 16:09:59 - 2026-07-29 16:10:02] **Behnam:** I expect so, yeah, but what's the exact amount I'd have to pay
- [2026-07-29 16:10:02 - 2026-07-29 16:10:03] **Behnam:** to bring it up to there now?
- [2026-07-29 16:10:03 - 2026-07-29 16:10:06] **Behnam:** I'm already thinking it's about £1,050.
- [2026-07-29 16:10:07 - 2026-07-29 16:10:10] **Unknown:** So at the moment, including the last two missed payments
- [2026-07-29 16:10:10 - 2026-07-29 16:10:13] **Unknown:** and the over-limit and then the payment due by the 14th of August,
- [2026-07-29 16:10:13 - 2026-07-29 16:10:16] **Unknown:** the total is £1,041.32.
- [2026-07-29 16:10:16 - 2026-07-29 16:10:16] **Behnam:** OK.
- [2026-07-29 16:10:17 - 2026-07-29 16:10:21] **Behnam:** Yes, I don't think I could make that in the next week or so.
- [2026-07-29 16:10:21 - 2026-07-29 16:10:24] **Behnam:** I could possibly make that by the 14th of August,
- [2026-07-29 16:10:24 - 2026-07-29 16:10:26] **Behnam:** but I wouldn't want to promise and then fail.
- [2026-07-29 16:10:27 - 2026-07-29 16:10:28] **Behnam:** And then there'll be another few hundred pounds.
- [2026-07-29 16:10:29 - 2026-07-29 16:10:35] **Behnam:** Again, we'll be talking around £1,500 I'd have to pay
- [2026-07-29 16:10:35 - 2026-07-29 16:10:37] **Behnam:** by the end of a month from now.
- [2026-07-29 16:10:38 - 2026-07-29 16:10:40] **Behnam:** Or for the way it would be, 14th of September,
- [2026-07-29 16:10:41 - 2026-07-29 16:10:45] **Behnam:** there'll be around £1,500 due as a minimum.
- [2026-07-29 16:10:46 - 2026-07-29 16:10:54] **Unknown:** Yeah, so another minimum will be due then around about £354
- [2026-07-29 16:10:54 - 2026-07-29 16:10:56] **Unknown:** by the 14th of September.
- [2026-07-29 16:10:56 - 2026-07-29 16:10:56] **Unknown:** So, yeah.
- [2026-07-29 16:10:57 - 2026-07-29 16:11:00] **Behnam:** Just on the 1500, so by then I'll certainly be all right.
- [2026-07-29 16:11:00 - 2026-07-29 16:11:01] **Behnam:** I've got some assets for sale as well.
- [2026-07-29 16:11:02 - 2026-07-29 16:11:06] **Behnam:** It may take a week or two, but in the worst case, I can sell them quickly.
- [2026-07-29 16:11:08 - 2026-07-29 16:11:08] **Behnam:** Okay.
- [2026-07-29 16:11:08 - 2026-07-29 16:11:11] **Behnam:** By September, it's definitely not a problem.
- [2026-07-29 16:11:12 - 2026-07-29 16:11:12] **Unknown:** That's fine.
- [2026-07-29 16:11:12 - 2026-07-29 16:11:20] **Unknown:** So, obviously, the issue is if we give you a 30-day hold, that necessarily holds it to the 29th of August.
- [2026-07-29 16:11:21 - 2026-07-29 16:11:21] **Behnam:** Okay.
- [2026-07-29 16:11:21 - 2026-07-29 16:11:23] **Unknown:** For example, if that's what I did.
- [2026-07-29 16:11:26 - 2026-07-29 16:11:26] **Behnam:** It'll be all right.
- [2026-07-29 16:11:27 - 2026-07-29 16:11:28] **Behnam:** It'll be less still.
- [2026-07-29 16:11:29 - 2026-07-29 16:11:30] **Behnam:** I'm on the way.
- [2026-07-29 16:11:31 - 2026-07-29 16:11:32] **Behnam:** I'm going to come up with 1500.
- [2026-07-29 16:11:33 - 2026-07-29 16:11:34] **Behnam:** I mean, yeah, it'll be all right.
- [2026-07-29 16:11:35 - 2026-07-29 16:11:36] **Behnam:** Yeah.
- [2026-07-29 16:11:36 - 2026-07-29 16:11:36] **Behnam:** It'll be all right.
- [2026-07-29 16:11:36 - 2026-07-29 16:11:37] **Behnam:** Yeah, that's fine.
- [2026-07-29 16:11:38 - 2026-07-29 16:11:38] **Unknown:** Okay.
- [2026-07-29 16:11:38 - 2026-07-29 16:11:42] **Unknown:** So, if we did the 30-day hold, then you think you could clear the 1041 then?
- [2026-07-29 16:11:42 - 2026-07-29 16:11:43] **Unknown:** Yeah.
- [2026-07-29 16:11:43 - 2026-07-29 16:11:43] **Behnam:** Yeah, absolutely.
- [2026-07-29 16:11:44 - 2026-07-29 16:11:45] **Behnam:** Maybe more as well.
- [2026-07-29 16:11:45 - 2026-07-29 16:11:46] **Unknown:** Okay.
- [2026-07-29 16:11:46 - 2026-07-29 16:11:47] **Unknown:** No, that's fine.
- [2026-07-29 16:11:47 - 2026-07-29 16:11:48] **Unknown:** I could put that down then.
- [2026-07-29 16:11:48 - 2026-07-29 16:11:53] **Unknown:** So, if I hold it then for 30 days, then that would kind of take us to, what was it?
- [2026-07-29 16:11:53 - 2026-07-29 16:11:54] **Unknown:** What was that date?
- [2026-07-29 16:11:55 - 2026-07-29 16:11:56] **Unknown:** To the 28th of...
- [2026-07-29 16:11:57 - 2026-07-29 16:12:03] **Unknown:** August yeah perfect so if I put by then then you think you can at least clear
- [2026-07-29 16:12:03 - 2026-07-29 16:12:09] **Unknown:** the the 1,041 yeah definitely and perhaps take a bit more of a chunk off
- [2026-07-29 16:12:09 - 2026-07-29 16:12:13] **Unknown:** as well yeah okay I'll put that down it's costing a fortune in interest as
- [2026-07-29 16:12:13 - 2026-07-29 16:12:18] **Unknown:** well yep so I'll put that down and then it your direct debit is obviously
- [2026-07-29 16:12:18 - 2026-07-29 16:12:24] **Unknown:** reversed in each month so do you want me to cancel that for now please yes I'll
- [2026-07-29 16:12:24 - 2026-07-29 16:12:33] **Unknown:** do that now yes I've cancelled that now send a letter out so if you want to
- [2026-07-29 16:12:33 - 2026-07-29 16:12:37] **Unknown:** reset the above see in the future let us know and obviously just let you know a
- [2026-07-29 16:12:37 - 2026-07-29 16:12:40] **Unknown:** couple of quick things and with the credit card because obviously it's an
- [2026-07-29 16:12:40 - 2026-07-29 16:12:44] **Unknown:** arrears and over limit then there is a block on the card just to make you
- [2026-07-29 16:12:44 - 2026-07-29 16:12:50] **Unknown:** aware of that also being over limit and missing payments and it may impact your
- [2026-07-29 16:12:50 - 2026-07-29 16:12:54] **Unknown:** credit rating and make you aware of that with the credit card then I'll put
- [2026-07-29 16:12:54 - 2026-07-29 16:12:56] **Unknown:** that down in the notes that that's what you're going to look
- [2026-07-29 16:12:57 - 2026-07-29 16:13:00] **Unknown:** to do if anything changes and obviously you know you can't pay then you know please let us know
- [2026-07-29 16:13:00 - 2026-07-29 16:13:05] **Unknown:** there are the other options so if you can't pay then we could also always look at like some kind
- [2026-07-29 16:13:05 - 2026-07-29 16:13:10] **Unknown:** of payment plan as well okay so we could look to you know help you with that so we to do that we
- [2026-07-29 16:13:10 - 2026-07-29 16:13:14] **Unknown:** normally complete like an income and expenditure form yeah so that would be you know the next
- [2026-07-29 16:13:14 - 2026-07-29 16:13:19] **Unknown:** option at the moment which is why i'm struggling with these income and expenditure forms anyway
- [2026-07-29 16:13:19 - 2026-07-29 16:13:25] **Unknown:** because my income is very hard to predict yeah but yeah i don't know what you mean so okay
- [2026-07-29 16:13:29 - 2026-07-29 16:13:33] **Unknown:** yep no that's fine um i'll put that down and if you obviously need any other help like free
- [2026-07-29 16:13:33 - 2026-07-29 16:13:37] **Unknown:** debt advice there are companies like uh money wellness that you can speak to like you know
- [2026-07-29 16:13:37 - 2026-07-29 16:13:42] **Unknown:** free debt advice did you want the number or are you okay sorry i'm fine without passing thank you
- [2026-07-29 16:13:42 - 2026-07-29 16:13:47] **Unknown:** i've got it anyway okay that's fine and so like i said i'll put that down and then they hold for
- [2026-07-29 16:13:47 - 2026-07-29 16:13:51] **Unknown:** 30 days and that'll take the 28th of like say august and by then yeah i'll put that down so
- [2026-07-29 16:13:51 - 2026-07-29 16:13:54] **Unknown:** you know you look to clear that amount yeah um i've cancelled the direct debit
- [2026-07-29 16:13:54 - 2026-07-29 16:13:56] **Unknown:** and then yeah just be aware then there will be
- [2026-07-29 16:13:57 - 2026-07-29 16:13:59] **Unknown:** Another minimum payment due by the 14th of September as well, then.
- [2026-07-29 16:13:59 - 2026-07-29 16:14:02] **Unknown:** So if you can't pay that, then, yeah, if you let us know.
- [2026-07-29 16:14:02 - 2026-07-29 16:14:04] **Unknown:** But then if you're fine, then that's fine.
- [2026-07-29 16:14:04 - 2026-07-29 16:14:05] **Unknown:** I'll put that down there.
- [2026-07-29 16:14:05 - 2026-07-29 16:14:06] **Unknown:** Yeah, any other changes, let us know.
- [2026-07-29 16:14:07 - 2026-07-29 16:14:10] **Unknown:** So obviously with the, I can see you've got a Flex account.
- [2026-07-29 16:14:10 - 2026-07-29 16:14:12] **Unknown:** You're obviously just in the overdraft.
- [2026-07-29 16:14:12 - 2026-07-29 16:14:13] **Unknown:** Do you need to speak to them at all?
- [2026-07-29 16:14:14 - 2026-07-29 16:14:14] **Unknown:** It's all right.
- [2026-07-29 16:14:15 - 2026-07-29 16:14:15] **Unknown:** That's fine.
- [2026-07-29 16:14:15 - 2026-07-29 16:14:17] **Unknown:** I've got some money to go in here as well.
- [2026-07-29 16:14:18 - 2026-07-29 16:14:19] **Unknown:** Okay.
- [2026-07-29 16:14:19 - 2026-07-29 16:14:20] **Unknown:** That's fine, then.
- [2026-07-29 16:14:20 - 2026-07-29 16:14:21] **Unknown:** Is that all okay, then, today for now?
- [2026-07-29 16:14:21 - 2026-07-29 16:14:22] **Unknown:** Yeah, thank you very much.
- [2026-07-29 16:14:23 - 2026-07-29 16:14:23] **Unknown:** Thanks.
- [2026-07-29 16:14:23 - 2026-07-29 16:14:23] **Unknown:** That's fine.
- [2026-07-29 16:14:24 - 2026-07-29 16:14:25] **Unknown:** That's all right.
- [2026-07-29 16:14:25 - 2026-07-29 16:14:27] **Unknown:** I'll hold the account, then, and then we'll speak to you in a month.
- [2026-07-29 16:14:27 - 2026-07-29 16:14:27] **Unknown:** Perfect.
- [2026-07-29 16:14:27 - 2026-07-29 16:14:29] **Unknown:** I hope the situation improves, then.
- [2026-07-29 16:14:29 - 2026-07-29 16:14:29] **Unknown:** Thanks.
- [2026-07-29 16:14:29 - 2026-07-29 16:14:30] **Unknown:** Bye-bye.
- [2026-07-29 16:14:30 - 2026-07-29 16:14:31] **Unknown:** Take care.
- [2026-07-29 16:14:31 - 2026-07-29 16:14:31] **Unknown:** Bye-bye.