# Call Recording Transcript

- Started: 2026-07-29 16:16:18
- Direction: outbound
- Caller: Behnam
- Destination: 08000286692
- Duration: 14m 20s
- Disposition: ANSWERED

## Transcript

- [2026-07-29 16:16:19 - 2026-07-29 16:16:24] **Unknown:** Welcome to Virgin Credit Cards. A member of our team will be able to help you.
- [2026-07-29 16:16:24 - 2026-07-29 16:16:30] **Unknown:** Before we pass you over, please note that we may record your call for training and monitoring purposes.
- [2026-07-29 16:16:31 - 2026-07-29 16:16:34] **Unknown:** If you are calling to make a payment, please press 1.
- [2026-07-29 16:16:34 - 2026-07-29 16:16:38] **Unknown:** If you are calling to update your details, please press 2.
- [2026-07-29 16:16:38 - 2026-07-29 16:16:43] **Unknown:** If you are in financial difficulty and struggling to make a payment, please press 3.
- [2026-07-29 16:16:43 - 2026-07-29 16:16:45] **Unknown:** For anything else, please press 4.
- [2026-07-29 16:17:33 - 2026-07-29 16:17:39] **Unknown:** Sorry, our team are busy talking to customers at the moment, but we'll answer your call as soon as we can.
- [2026-07-29 16:17:53 - 2026-07-29 16:17:56] **Unknown:** Good evening. You're through to Summit. What can I help you with?
- [2026-07-29 16:17:56 - 2026-07-29 16:18:02] **Behnam:** Hello. I'm calling about my credit card that is over the limit and I've had some missed payments.
- [2026-07-29 16:18:03 - 2026-07-29 16:18:07] **Behnam:** And I was wondering if you could give me some time to sort it out for a few weeks.
- [2026-07-29 16:18:08 - 2026-07-29 16:18:12] **Unknown:** All right. Let me just have a look. Can I start by taking your 16-digit card number, please?
- [2026-07-29 16:18:12 - 2026-07-29 16:18:16] **Unknown:** 5276-6900.
- [2026-07-29 16:18:18 - 2026-07-29 16:18:22] **Unknown:** 6-0-0-4-9-3-8-8.
- [2026-07-29 16:18:25 - 2026-07-29 16:18:28] **Unknown:** Thank you.
- [2026-07-29 16:18:29 - 2026-07-29 16:18:33] **Unknown:** And before proceeding, I also need to advise you that this call may be recorded for training and security.
- [2026-07-29 16:18:33 - 2026-07-29 16:18:34] **Unknown:** No problem.
- [2026-07-29 16:18:34 - 2026-07-29 16:18:36] **Unknown:** And let me just get through quick security.
- [2026-07-29 16:18:36 - 2026-07-29 16:18:38] **Unknown:** Could you confirm your full name, please?
- [2026-07-29 16:18:38 - 2026-07-29 16:18:39] **Unknown:** Ben Amaraff.
- [2026-07-29 16:18:40 - 2026-07-29 16:18:42] **Unknown:** Could you confirm your full date of birth?
- [2026-07-29 16:18:42 - 2026-07-29 16:18:44] **Unknown:** 24th of January, 1987.
- [2026-07-29 16:18:46 - 2026-07-29 16:18:49] **Unknown:** And your full line of address, including the town and the postcode?
- [2026-07-29 16:18:49 - 2026-07-29 16:18:53] **Unknown:** 10 St. Oswald's Way, Sheffield, 7-2-A-A.
- [2026-07-29 16:18:53 - 2026-07-29 16:18:54] **Unknown:** Thank you.
- [2026-07-29 16:18:54 - 2026-07-29 16:18:56] **Unknown:** Could you also confirm the email address, please?
- [2026-07-29 16:18:56 - 2026-07-29 16:18:58] **Unknown:** Benam-Araf-Araf.co.uk.
- [2026-07-29 16:18:59 - 2026-07-29 16:19:00] **Unknown:** Thank you.
- [2026-07-29 16:19:00 - 2026-07-29 16:19:01] **Unknown:** Okay, so that's your past security.
- [2026-07-29 16:19:01 - 2026-07-29 16:19:03] **Unknown:** Let me just quickly confirm the contact details.
- [2026-07-29 16:19:03 - 2026-07-29 16:19:04] **Unknown:** We hold this up to date as well.
- [2026-07-29 16:19:04 - 2026-07-29 16:19:05] **Unknown:** Sure.
- [2026-07-29 16:19:05 - 2026-07-29 16:19:06] **Unknown:** So you have already verified the email.
- [2026-07-29 16:19:07 - 2026-07-29 16:19:10] **Unknown:** I can see there is one mobile number on record, ending with 2-0-0.
- [2026-07-29 16:19:11 - 2026-07-29 16:19:11] **Unknown:** Correct.
- [2026-07-29 16:19:11 - 2026-07-29 16:19:14] **Unknown:** And your current address is 7-2-A-A.
- [2026-07-29 16:19:14 - 2026-07-29 16:19:14] **Unknown:** All up to date, yeah?
- [2026-07-29 16:19:15 - 2026-07-29 16:19:16] **Unknown:** Yes, up to date.
- [2026-07-29 16:19:16 - 2026-07-29 16:19:17] **Unknown:** And do you have any other versions?
- [2026-07-29 16:19:18 - 2026-07-29 16:19:21] **Unknown:** money or Clydesdale products besides this? No, I have nationwide accounts, but not
- [2026-07-29 16:19:21 - 2026-07-29 16:19:41] **Unknown:** Virgin or Clydesdale. All right. So just quickly getting an account overview. I can see your
- [2026-07-29 16:19:41 - 2026-07-29 16:19:48] **Unknown:** current balance is showing £13,493.38 against your limit of £12,500. Yes. And I can see the
- [2026-07-29 16:19:48 - 2026-07-29 16:19:55] **Unknown:** account is currently in the fourth month in arrears amounting to £1,418.85. Yes. It's also
- [2026-07-29 16:19:55 - 2026-07-29 16:20:02] **Unknown:** over-limited by £993.38. Yes. And I can see there was a minimum payment of £368.62, which was due
- [2026-07-29 16:20:02 - 2026-07-29 16:20:10] **Unknown:** only 26th of this month. Yes. Right. So I can see there's no direct debit setup on your account. So
- [2026-07-29 16:20:10 - 2026-07-29 16:20:13] **Unknown:** I guess you have been making manual payments according to your convenience here. In the past,
- [2026-07-29 16:20:13 - 2026-07-29 16:20:17] **Unknown:** yes. Just at the moment, I'm struggling a little bit to do those.
- [2026-07-29 16:20:20 - 2026-07-29 16:20:24] **Unknown:** Okay, so if you can briefly reiterate as to what kind of difficulties are you facing at this point?
- [2026-07-29 16:20:24 - 2026-07-29 16:20:28] **Behnam:** I had some health problems with eating food in my digestive system,
- [2026-07-29 16:20:28 - 2026-07-29 16:20:31] **Behnam:** and I should be due to have an operation.
- [2026-07-29 16:20:31 - 2026-07-29 16:20:33] **Behnam:** Sorry, it affected my voice and everything.
- [2026-07-29 16:20:34 - 2026-07-29 16:20:36] **Behnam:** It's made it difficult for me to work.
- [2026-07-29 16:20:36 - 2026-07-29 16:20:40] **Behnam:** I work for myself, self-employed, and I've continued working,
- [2026-07-29 16:20:40 - 2026-07-29 16:20:42] **Behnam:** but my performance has been very bad.
- [2026-07-29 16:20:43 - 2026-07-29 16:20:44] **Behnam:** But I'm improving now.
- [2026-07-29 16:20:44 - 2026-07-29 16:20:50] **Behnam:** Now I'm receiving treatment, and I'm due to have surgery in around six months' time.
- [2026-07-29 16:20:50 - 2026-07-29 16:20:56] **Behnam:** But I'm already feeling well enough to work, and my income is recovering.
- [2026-07-29 16:20:56 - 2026-07-29 16:21:03] **Behnam:** So I'm starting to address my debts and try to clear them up as quickly as I can.
- [2026-07-29 16:21:03 - 2026-07-29 16:21:05] **Unknown:** All right, so things are looking up at this point, yeah?
- [2026-07-29 16:21:06 - 2026-07-29 16:21:08] **Behnam:** They're looking like they will be better in future, yes.
- [2026-07-29 16:21:08 - 2026-07-29 16:21:11] **Behnam:** Just I'm left without any cash at the moment.
- [2026-07-29 16:21:12 - 2026-07-29 16:21:12] **Unknown:** All right.
- [2026-07-29 16:21:13 - 2026-07-29 16:21:14] **Unknown:** And basically...
- [2026-07-29 16:21:14 - 2026-07-29 16:21:17] **Unknown:** Basically, since you have been sharing sensitive health information regarding your case,
- [2026-07-29 16:21:18 - 2026-07-29 16:21:20] **Unknown:** So I would need your consent in order to note down all this information
- [2026-07-29 16:21:20 - 2026-07-29 16:21:21] **Unknown:** that you have shared on the account, okay?
- [2026-07-29 16:21:22 - 2026-07-29 16:21:23] **Unknown:** Of course, yes, no problem.
- [2026-07-29 16:21:23 - 2026-07-29 16:21:23] **Unknown:** All right.
- [2026-07-29 16:21:25 - 2026-07-29 16:21:28] **Unknown:** So just for your information, we make the notes in our database
- [2026-07-29 16:21:28 - 2026-07-29 16:21:30] **Unknown:** so we can look at them the next time we speak with you.
- [2026-07-29 16:21:30 - 2026-07-29 16:21:33] **Unknown:** And we won't be sharing this information outside the organization
- [2026-07-29 16:21:33 - 2026-07-29 16:21:35] **Unknown:** and with only the relevant network service providers.
- [2026-07-29 16:21:36 - 2026-07-29 16:21:38] **Unknown:** And you have the right to remove this information at any point, okay?
- [2026-07-29 16:21:38 - 2026-07-29 16:21:39] **Behnam:** Okay, no problem.
- [2026-07-29 16:21:39 - 2026-07-29 16:21:43] **Unknown:** And we also have some contact details for free independent money advice services
- [2026-07-29 16:21:43 - 2026-07-29 16:21:46] **Unknown:** like StepChange or TurnToCharity that you can avail
- [2026-07-29 16:21:46 - 2026-07-29 16:21:47] **Unknown:** should you require that in the future, okay?
- [2026-07-29 16:21:48 - 2026-07-29 16:21:48] **Unknown:** Okay, thank you.
- [2026-07-29 16:21:50 - 2026-07-29 16:21:50] **Unknown:** All right.
- [2026-07-29 16:21:52 - 2026-07-29 16:21:54] **Unknown:** So I'm just checking up some additional details on the account
- [2026-07-29 16:21:54 - 2026-07-29 16:21:58] **Unknown:** so as to a certain what kind of payment arrangement we can put on account, okay?
- [2026-07-29 16:21:58 - 2026-07-29 16:21:59] **Unknown:** Okay.
- [2026-07-29 16:21:59 - 2026-07-29 16:22:01] **Unknown:** So no active promotions on your account.
- [2026-07-29 16:22:01 - 2026-07-29 16:22:04] **Unknown:** I can see there have been no late fees over the last nine months.
- [2026-07-29 16:22:04 - 2026-07-29 16:22:05] **Unknown:** So that is all fine.
- [2026-07-29 16:22:06 - 2026-07-29 16:22:08] **Unknown:** And let me just quickly check the credit file impact.
- [2026-07-29 16:22:08 - 2026-07-29 16:22:11] **Unknown:** So there have been three credit file impacts reported up until the last month
- [2026-07-29 16:22:11 - 2026-07-29 16:22:12] **Unknown:** due to the arrears, okay?
- [2026-07-29 16:22:13 - 2026-07-29 16:22:13] **Unknown:** Okay.
- [2026-07-29 16:22:13 - 2026-07-29 16:22:16] **Unknown:** So just for your general information, usually what happens is that the balance
- [2026-07-29 16:22:16 - 2026-07-29 16:22:17] **Unknown:** and the credit limit are both...
- [2026-07-29 16:22:18 - 2026-07-29 16:22:21] **Unknown:** reported to the credit file at the end of each month yes if you are exceeding
- [2026-07-29 16:22:21 - 2026-07-29 16:22:24] **Unknown:** the credit limit or missing any payments that can create a loss of promotion
- [2026-07-29 16:22:24 - 2026-07-29 16:22:26] **Unknown:** account being blocked and impact to the credit file okay
- [2026-07-29 16:22:26 - 2026-07-29 16:22:30] **Unknown:** so just bear with me for about a couple of minutes i'll just uh find some
- [2026-07-29 16:22:30 - 2026-07-29 16:22:32] **Unknown:** relevant information regarding some historical arrangements
- [2026-07-29 16:22:32 - 2026-07-29 16:22:35] **Unknown:** and then come back to you okay thank you thank you
- [2026-07-29 16:25:58 - 2026-07-29 16:26:01] **Unknown:** Right, so I was just basically retrieving some additional details from the account, okay?
- [2026-07-29 16:26:01 - 2026-07-29 16:26:02] **Unknown:** Okay.
- [2026-07-29 16:26:02 - 2026-07-29 16:26:06] **Unknown:** And I can confirm that there was no prior arrangement that had been applied on the account, okay?
- [2026-07-29 16:26:06 - 2026-07-29 16:26:07] **Unknown:** Yes.
- [2026-07-29 16:26:07 - 2026-07-29 16:26:12] **Unknown:** All right, and I just need a couple of relevant information before we can proceed with the payment arrangement, okay?
- [2026-07-29 16:26:13 - 2026-07-29 16:26:13] **Unknown:** Okay.
- [2026-07-29 16:26:13 - 2026-07-29 16:26:14] **Unknown:** Let me...
- [2026-07-29 16:26:15 - 2026-07-29 16:26:17] **Unknown:** So I presume that you are receiving...
- [2026-07-29 16:26:18 - 2026-07-29 16:26:20] **Unknown:** appropriate support and assistance regarding your health issues?
- [2026-07-29 16:26:20 - 2026-07-29 16:26:21] **Unknown:** Yes.
- [2026-07-29 16:26:21 - 2026-07-29 16:26:21] **Unknown:** At this point?
- [2026-07-29 16:26:22 - 2026-07-29 16:26:23] **Unknown:** Yes, yes, possibly.
- [2026-07-29 16:26:23 - 2026-07-29 16:26:23] **Unknown:** Right.
- [2026-07-29 16:26:23 - 2026-07-29 16:26:26] **Unknown:** And you stated that you'll also be undergoing an operation.
- [2026-07-29 16:26:27 - 2026-07-29 16:26:28] **Unknown:** Could you say when will that be?
- [2026-07-29 16:26:28 - 2026-07-29 16:26:30] **Unknown:** Maybe around six months.
- [2026-07-29 16:26:30 - 2026-07-29 16:26:32] **Unknown:** There are more tests I have to have before that.
- [2026-07-29 16:26:33 - 2026-07-29 16:26:33] **Unknown:** Okay.
- [2026-07-29 16:26:37 - 2026-07-29 16:26:42] **Unknown:** So, basically, you do have a couple of options that you can avail at this point, all right?
- [2026-07-29 16:26:42 - 2026-07-29 16:26:46] **Unknown:** So, there are some long-term and some short-term payment arrangements that you can avail at
- [2026-07-29 16:26:46 - 2026-07-29 16:26:50] **Unknown:** this point, according to your own affordability and convenience, okay?
- [2026-07-29 16:26:50 - 2026-07-29 16:26:50] **Unknown:** Okay.
- [2026-07-29 16:26:50 - 2026-07-29 16:26:54] **Unknown:** So, do you see your circumstances changing within the next three months or so, or will
- [2026-07-29 16:26:54 - 2026-07-29 16:26:55] **Unknown:** it take more than that?
- [2026-07-29 16:26:55 - 2026-07-29 16:27:01] **Unknown:** I think within three months, I'll be in a much better position and a much better income.
- [2026-07-29 16:27:02 - 2026-07-29 16:27:03] **Unknown:** Okay.
- [2026-07-29 16:27:03 - 2026-07-29 16:27:07] **Unknown:** So, for that, we'll be able to put a short-term payment arrangement on the account called
- [2026-07-29 16:27:07 - 2026-07-29 16:27:08] **Unknown:** a breathing space, okay?
- [2026-07-29 16:27:08 - 2026-07-29 16:27:09] **Unknown:** Okay.
- [2026-07-29 16:27:09 - 2026-07-29 16:27:13] **Unknown:** So, let me just quickly cover some terms and conditions for the breathing space so that
- [2026-07-29 16:27:13 - 2026-07-29 16:27:14] **Unknown:** you are well aware of this as well.
- [2026-07-29 16:27:14 - 2026-07-29 16:27:14] **Unknown:** Okay.
- [2026-07-29 16:27:15 - 2026-07-29 16:27:17] **Unknown:** So, if we apply the breathing space payment arrangement from...
- [2026-07-29 16:27:18 - 2026-07-29 16:27:22] **Unknown:** today's date what will happen is that your interest and fees will stop generating okay
- [2026-07-29 16:27:22 - 2026-07-29 16:27:26] **Unknown:** they will be suppressed for the duration of the whole period unless it's a slice account the plan
- [2026-07-29 16:27:26 - 2026-07-29 16:27:30] **Unknown:** fees are not suppressed okay your card is blocked for this time or will continue to be blocked if
- [2026-07-29 16:27:30 - 2026-07-29 16:27:34] **Unknown:** already blocked yes if during reading space your account has three missed payments a permanent
- [2026-07-29 16:27:34 - 2026-07-29 16:27:39] **Unknown:** block will be applied to your account okay and your statements will still generate any missed
- [2026-07-29 16:27:39 - 2026-07-29 16:27:43] **Unknown:** payments would show as arrears if not paid by the next statement and this may impact your credit
- [2026-07-29 16:27:43 - 2026-07-29 16:27:49] **Unknown:** file okay the promo the promo rates will be lost due to any missed payments there will be no
- [2026-07-29 16:27:49 - 2026-07-29 16:27:53] **Unknown:** collections contact made to you while you are on a breathing space but you still might receive any
- [2026-07-29 16:27:53 - 2026-07-29 16:27:59] **Unknown:** regulatory letters if applicable like a notice of some in arrears okay okay and we do advise you
- [2026-07-29 16:27:59 - 2026-07-29 16:28:02] **Unknown:** that you get back in touch within the whole period agreed to update us on your progress
- [2026-07-29 16:28:02 - 2026-07-29 16:28:07] **Unknown:** okay because after the whole period agreed if we have not heard from you the collections activity
- [2026-07-29 16:28:07 - 2026-07-29 16:28:11] **Unknown:** will again resume including calls letters text and emails you may also receive interest and loss
- [2026-07-29 16:28:11 - 2026-07-29 16:28:13] **Unknown:** of promotions and your card may be blocked
- [2026-07-29 16:28:13 - 2026-07-29 16:28:17] **Unknown:** okay okay if you go over your limit or miss any for the payments this may also impact
- [2026-07-29 16:28:18 - 2026-07-29 16:28:22] **Unknown:** your Cuddle file. Okay. So let us do one thing. Let me just initiate the breathing space for the
- [2026-07-29 16:28:22 - 2026-07-29 16:28:28] **Unknown:** next 30 days, starting from today. Okay. And by the end of 30 days, if your circumstances have
- [2026-07-29 16:28:28 - 2026-07-29 16:28:32] **Unknown:** improved, or if you want to extend the breathing space at that point, you can do so by the end of
- [2026-07-29 16:28:32 - 2026-07-29 16:28:37] **Unknown:** 30 days. Okay. Okay. Overall, you have a total of 90 days that you can avail for breathing space
- [2026-07-29 16:28:37 - 2026-07-29 16:28:43] **Unknown:** within a 12-month rolling period. So initially, I'm just putting in for 30 days. And after 30
- [2026-07-29 16:28:43 - 2026-07-29 16:28:47] **Unknown:** days, just give us a call back to update us. Okay. If you want to extend the breathing space,
- [2026-07-29 16:28:47 - 2026-07-29 16:28:53] **Unknown:** or if you want to come off it, so on and so forth. Okay. Thank you. And I'll just give you the exact
- [2026-07-29 16:28:53 - 2026-07-29 16:28:57] **Unknown:** date for that as well, so that you are aware. Okay. So 30 days, starting from today,
- [2026-07-29 16:28:57 - 2026-07-29 16:29:03] **Unknown:** we'll give you time up until the 28th of August. Okay. All right. And by that date, I must bring
- [2026-07-29 16:29:03 - 2026-07-29 16:29:08] **Unknown:** the account fully up to date, yes? No, no. You're not obligated to make any payments, okay?
- [2026-07-29 16:29:08 - 2026-07-29 16:29:12] **Unknown:** It's just, it's basically like a time off. There will be no collections activity made to you during
- [2026-07-29 16:29:12 - 2026-07-29 16:29:13] **Unknown:** the breathing space. Okay.
- [2026-07-29 16:29:13 - 2026-07-29 16:29:17] **Unknown:** So you mentioned missed payments. Exactly. So that you can sort out your finances.
- [2026-07-29 16:29:18 - 2026-07-29 16:29:22] **Unknown:** Just basically manage your budget and then get back to us by the end of payment arrangement.
- [2026-07-29 16:29:22 - 2026-07-29 16:29:22] **Unknown:** All right?
- [2026-07-29 16:29:23 - 2026-07-29 16:29:23] **Unknown:** Okay.
- [2026-07-29 16:29:23 - 2026-07-29 16:29:28] **Unknown:** And in any case, I'll be releasing the correspondence for you as well on your email address and your postal address.
- [2026-07-29 16:29:29 - 2026-07-29 16:29:29] **Behnam:** Yes.
- [2026-07-29 16:29:29 - 2026-07-29 16:29:33] **Unknown:** Which will cover some of the terms and conditions for the breathing space, should you have any queries regarding that.
- [2026-07-29 16:29:33 - 2026-07-29 16:29:33] **Unknown:** All right?
- [2026-07-29 16:29:33 - 2026-07-29 16:29:34] **Unknown:** Okay, perfect.
- [2026-07-29 16:29:34 - 2026-07-29 16:29:34] **Unknown:** Thank you.
- [2026-07-29 16:29:35 - 2026-07-29 16:29:35] **Unknown:** All right.
- [2026-07-29 16:29:35 - 2026-07-29 16:29:40] **Unknown:** And if you could also state, what is the status regarding your prior tables at this point?
- [2026-07-29 16:29:40 - 2026-07-29 16:29:41] **Unknown:** Are they up to date?
- [2026-07-29 16:29:41 - 2026-07-29 16:29:42] **Unknown:** My what, sorry?
- [2026-07-29 16:29:42 - 2026-07-29 16:29:44] **Unknown:** Your prior tables, like your water, gas, electric.
- [2026-07-29 16:29:44 - 2026-07-29 16:29:46] **Unknown:** Oh, yes, it's all up to that, yes, yes.
- [2026-07-29 16:29:46 - 2026-07-29 16:29:46] **Unknown:** Right.
- [2026-07-29 16:29:46 - 2026-07-29 16:29:47] **Unknown:** All right.
- [2026-07-29 16:29:47 - 2026-07-29 16:29:50] **Unknown:** And do you have any other credit commitments besides version one?
- [2026-07-29 16:29:50 - 2026-07-29 16:29:53] **Unknown:** I do have a nationwide credit card as well and a Barclay card.
- [2026-07-29 16:29:53 - 2026-07-29 16:29:55] **Behnam:** And are those being sorted out as well?
- [2026-07-29 16:29:56 - 2026-07-29 16:29:59] **Behnam:** Nationwide has been put on a 30-day breathing space as well.
- [2026-07-29 16:29:59 - 2026-07-29 16:30:00] **Behnam:** All right.
- [2026-07-29 16:30:00 - 2026-07-29 16:30:02] **Behnam:** And the Barclay card, I haven't spoken to them yet.
- [2026-07-29 16:30:02 - 2026-07-29 16:30:04] **Behnam:** I'm about to call them after this call.
- [2026-07-29 16:30:10 - 2026-07-29 16:30:11] **Unknown:** Okay, no issues at all.
- [2026-07-29 16:30:11 - 2026-07-29 16:30:14] **Unknown:** So I'll initiate the breathing space from today's date, okay?
- [2026-07-29 16:30:14 - 2026-07-29 16:30:15] **Unknown:** Okay.
- [2026-07-29 16:30:15 - 2026-07-29 16:30:15] **Unknown:** On your account.
- [2026-07-29 16:30:15 - 2026-07-29 16:30:17] **Unknown:** And I'll also be releasing the correspondence for the breathing space.
- [2026-07-29 16:30:18 - 2026-07-29 16:30:24] **Unknown:** space, all right? Perfect. And all I will advise is should your circumstances change, even before
- [2026-07-29 16:30:24 - 2026-07-29 16:30:29] **Unknown:** the 30 days time period has expired, just give us a call back to update us, okay? Perfect. I will.
- [2026-07-29 16:30:29 - 2026-07-29 16:30:33] **Unknown:** Thank you. So anything else I can help you with or any questions at this point? That's fine. That's
- [2026-07-29 16:30:33 - 2026-07-29 16:30:37] **Unknown:** very helpful. Thank you. All right. No worries. Take care. Bye-bye. Thank you. Bye-bye.