# Call Recording Transcript

- Started: 2026-07-29 16:37:49
- Direction: outbound
- Caller: Behnam
- Destination: 08001615258
- Duration: 17m 37s
- Disposition: ANSWERED

## Transcript

- [2026-07-29 16:37:49 - 2026-07-29 16:37:56] **Unknown:** welcome to barclay card worried about money whatever your situation we are here to help
- [2026-07-29 16:37:56 - 2026-07-29 16:38:04] **Unknown:** for additional support search barclay's money worries online to use our automated telephone
- [2026-07-29 16:38:04 - 2026-07-29 16:38:17] **Unknown:** banking service press one for anything else it's two did you know you can check your balance
- [2026-07-29 16:38:17 - 2026-07-29 16:38:24] **Unknown:** make a payment or update your details via our app or online banking to find out more visit
- [2026-07-29 16:38:24 - 2026-07-29 16:38:34] **Unknown:** Barclays ways to bank online alternatively please continue to hold just to let you know the quietest
- [2026-07-29 16:38:34 - 2026-07-29 16:38:42] **Unknown:** times to call us are usually between 11 a.m. and 4 p.m. to help us get you to the right team as
- [2026-07-29 16:38:42 - 2026-07-29 16:38:48] **Unknown:** quickly as we can please enter your Barclay card number for security will then ask for your
- [2026-07-29 16:38:49 - 2026-07-29 16:38:53] **Unknown:** passcode or date of birth if you're calling from the mobile phone number we have on record
- [2026-07-29 16:38:53 - 2026-07-29 16:39:32] **Unknown:** then we'll match that automatically sorry please enter your card number thanks i'll just find your
- [2026-07-29 16:39:32 - 2026-07-29 16:39:45] **Unknown:** details i found your account please enter your six digit passcode if you don't know it press star
- [2026-07-29 16:39:49 - 2026-07-29 16:39:56] **Unknown:** Thanks. That's done. I'll just get your balance.
- [2026-07-29 16:39:57 - 2026-07-29 16:40:04] **Unknown:** The current balance on your IBCM Platinum card is 6,160 pounds and 97 pence.
- [2026-07-29 16:40:05 - 2026-07-29 16:40:08] **Unknown:** Your credit limit is 5,900 pounds.
- [2026-07-29 16:40:09 - 2026-07-29 16:40:15] **Unknown:** The balance of your July statement is 6,160 pounds and 97 pence.
- [2026-07-29 16:40:16 - 2026-07-29 16:40:21] **Unknown:** Your minimum payment is 544 pounds and 14 pence,
- [2026-07-29 16:40:21 - 2026-07-29 16:40:23] **Unknown:** which is due on the 10th of August.
- [2026-07-29 16:40:25 - 2026-07-29 16:40:27] **Unknown:** You're at the top menu.
- [2026-07-29 16:40:27 - 2026-07-29 16:40:30] **Unknown:** For balance and available credit, press 1.
- [2026-07-29 16:40:30 - 2026-07-29 16:40:32] **Unknown:** Recent transactions, 2.
- [2026-07-29 16:40:33 - 2026-07-29 16:40:34] **Unknown:** Pay a bill, 3.
- [2026-07-29 16:40:35 - 2026-07-29 16:40:37] **Unknown:** For credit card PIN, 4.
- [2026-07-29 16:40:38 - 2026-07-29 16:40:40] **Unknown:** Or, for something else, please press 0.
- [2026-07-29 16:41:17 - 2026-07-29 16:41:22] **Unknown:** that with the ongoing impact of cost of living, your financial circumstances may have changed
- [2026-07-29 16:41:22 - 2026-07-29 16:41:27] **Unknown:** recently, we're here to help. Please let us know about anything you may be concerned about,
- [2026-07-29 16:41:27 - 2026-07-29 16:41:31] **Unknown:** and we can explore options that may be available to you.
- [2026-07-29 16:43:03 - 2026-07-29 16:43:08] **Unknown:** Thanks for waiting. We'll get you to our customer service team as quickly as we can.
- [2026-07-29 16:44:04 - 2026-07-29 16:44:10] **Unknown:** Thank you for calling Barclay Card. My name is Hemant Shoo. May I have your 16-digit Barclay Card number?
- [2026-07-29 16:44:10 - 2026-07-29 16:44:20] **Behnam:** Yes, it's 4929-1571-7721-4002.
- [2026-07-29 16:44:23 - 2026-07-29 16:44:25] **Unknown:** May I have your first and last name?
- [2026-07-29 16:44:26 - 2026-07-29 16:44:27] **Behnam:** Penham Raff Raff.
- [2026-07-29 16:44:27 - 2026-07-29 16:44:37] **Unknown:** Thank you. I'm pulling up your details, sir.
- [2026-07-29 16:44:38 - 2026-07-29 16:44:39] **Unknown:** No problem. Thank you.
- [2026-07-29 16:44:40 - 2026-07-29 16:44:42] **Unknown:** Meanwhile, may I know the reason of your call?
- [2026-07-29 16:44:42 - 2026-07-29 16:44:48] **Behnam:** It's about my missed payments and I was going to ask if I can have 30 days breathing space to catch up.
- [2026-07-29 16:44:50 - 2026-07-29 16:44:52] **Unknown:** Sure, I'll help you. Just one minute.
- [2026-07-29 16:44:52 - 2026-07-29 16:45:00] **Unknown:** But I have your details over here, sir.
- [2026-07-29 16:45:00 - 2026-07-29 16:45:04] **Unknown:** The balance showing on this card is £6,160.97.
- [2026-07-29 16:45:05 - 2026-07-29 16:45:05] **Behnam:** Yes.
- [2026-07-29 16:45:06 - 2026-07-29 16:45:12] **Unknown:** With a minimum payment due of £544.14 and arrear is of £407.58.
- [2026-07-29 16:45:12 - 2026-07-29 16:45:13] **Unknown:** Yes.
- [2026-07-29 16:45:13 - 2026-07-29 16:45:15] **Unknown:** This card is behind on the payment, sir.
- [2026-07-29 16:45:15 - 2026-07-29 16:45:17] **Unknown:** So, yes, how may I assist you?
- [2026-07-29 16:45:17 - 2026-07-29 16:45:20] **Behnam:** It is possible that I could have 30 days breathing space.
- [2026-07-29 16:45:21 - 2026-07-29 16:45:23] **Behnam:** I've got some other credit cards as well
- [2026-07-29 16:45:23 - 2026-07-29 16:45:27] **Behnam:** and I'm trying to work out the best way to get them all under control and paid off.
- [2026-07-29 16:45:29 - 2026-07-29 16:45:35] **Behnam:** But I'm just talking to all of my creditors to try and arrange plans at the moment.
- [2026-07-29 16:45:35 - 2026-07-29 16:45:40] **Behnam:** And for your card, I'm sure that I can bring you up to date in 30 days, but not before.
- [2026-07-29 16:45:43 - 2026-07-29 16:45:45] **Unknown:** Certainly, I'll try to help you on it, sir.
- [2026-07-29 16:45:45 - 2026-07-29 16:45:48] **Unknown:** And may I know, apart from Barclay Credit Card, do you have any Barclay...
- [2026-07-29 16:45:49 - 2026-07-29 16:45:55] **Behnam:** mortgage or any other Barclay credit card? No I don't. Just a few things I will be asking you sir
- [2026-07-29 16:45:55 - 2026-07-29 16:46:00] **Unknown:** to understand your situation and try to help you with the right support. Okay. So may I know what
- [2026-07-29 16:46:00 - 2026-07-29 16:46:07] **Unknown:** happened what went wrong with you that you are struggling? Well actually I have a problem
- [2026-07-29 16:46:07 - 2026-07-29 16:46:13] **Behnam:** swallowing food a condition called achalasia and I work self-employed it's affected my performance
- [2026-07-29 16:46:14 - 2026-07-29 16:46:18] **Behnam:** but I'm much better now I couldn't deal with anything for a few weeks I wasn't able to
- [2026-07-29 16:46:18 - 2026-07-29 16:46:25] **Behnam:** eat or drink water but I'm much better now and I'm trying to take everything under control
- [2026-07-29 16:46:25 - 2026-07-29 16:46:31] **Unknown:** I'm returning to work as well and my income should recover from this point going forward.
- [2026-07-29 16:46:35 - 2026-07-29 16:46:42] **Unknown:** Okay it's achalasia you're struggling with? Yeah that's right. That's something related to
- [2026-07-29 16:46:43 - 2026-07-29 16:46:48] **Unknown:** swallowing disorder yeah? Yeah. I'm sorry to hear about.
- [2026-07-29 16:46:49 - 2026-07-29 16:46:51] **Unknown:** Good to hear that, sir. May I know, how are you right now? How are you doing right now?
- [2026-07-29 16:46:51 - 2026-07-29 16:46:56] **Unknown:** I'm all right. My voice is a bit affected, but I'm fine. I'm much better for now.
- [2026-07-29 16:46:57 - 2026-07-29 16:47:01] **Unknown:** Good to hear that, sir. And I really hope that you recover from this as soon as possible.
- [2026-07-29 16:47:01 - 2026-07-29 16:47:03] **Unknown:** I'm hoping it goes back on track.
- [2026-07-29 16:47:03 - 2026-07-29 16:47:07] **Unknown:** Is this a long-term illness or it's a short-term health condition?
- [2026-07-29 16:47:07 - 2026-07-29 16:47:09] **Unknown:** It's a very long-term illness, actually. It's lifelong.
- [2026-07-29 16:47:11 - 2026-07-29 16:47:12] **Unknown:** But it's treatable.
- [2026-07-29 16:47:13 - 2026-07-29 16:47:19] **Unknown:** Good to hear that, sir, that it's treatable. And I really hope that everything will be fine with you.
- [2026-07-29 16:47:19 - 2026-07-29 16:47:25] **Unknown:** And as you shared about your health information, sir, this is one of the sensitive information you shared with us.
- [2026-07-29 16:47:25 - 2026-07-29 16:47:30] **Unknown:** With your permission, I can add your support and adjustments needed onto your account.
- [2026-07-29 16:47:30 - 2026-07-29 16:47:35] **Unknown:** This allows us to support your banking need and tailor our product and services appropriately.
- [2026-07-29 16:47:36 - 2026-07-29 16:47:39] **Unknown:** You can change or remove this at any time by letting us know.
- [2026-07-29 16:47:39 - 2026-07-29 16:47:42] **Unknown:** So are you happy for me to add this to your account?
- [2026-07-29 16:47:42 - 2026-07-29 16:47:42] **Unknown:** Yes.
- [2026-07-29 16:47:43 - 2026-07-29 16:47:48] **Unknown:** Is there any specific support you're looking for, sir, to make your banking easier with us?
- [2026-07-29 16:47:49 - 2026-07-29 16:47:52] **Behnam:** I don't think so, just on this occasion with me being behind a bit.
- [2026-07-29 16:47:53 - 2026-07-29 16:47:57] **Behnam:** If you could allow me the 30 days, I'm sure I can take care of it on my own.
- [2026-07-29 16:47:57 - 2026-07-29 16:47:58] **Behnam:** I'll help you with that.
- [2026-07-29 16:47:58 - 2026-07-29 16:48:00] **Unknown:** And one more thing, sir.
- [2026-07-29 16:48:00 - 2026-07-29 16:48:04] **Unknown:** May I know, there are some great charities and third-party organizations
- [2026-07-29 16:48:04 - 2026-07-29 16:48:06] **Unknown:** who may help you in this situation.
- [2026-07-29 16:48:06 - 2026-07-29 16:48:08] **Unknown:** Would you like to explore them?
- [2026-07-29 16:48:08 - 2026-07-29 16:48:11] **Behnam:** I've had a read of some information from them already, yes.
- [2026-07-29 16:48:11 - 2026-07-29 16:48:11] **Unknown:** Thank you.
- [2026-07-29 16:48:12 - 2026-07-29 16:48:14] **Unknown:** And, sir, one more thing, sir.
- [2026-07-29 16:48:14 - 2026-07-29 16:48:16] **Unknown:** As you're informed about your health condition,
- [2026-07-29 16:48:16 - 2026-07-29 16:48:18] **Unknown:** may I know when would you like to review this situation?
- [2026-07-29 16:48:19 - 2026-07-29 16:48:23] **Unknown:** Maybe never in three months, in six months, in nine months, or at least.
- [2026-07-29 16:48:23 - 2026-07-29 16:48:24] **Unknown:** Okay, never.
- [2026-07-29 16:48:27 - 2026-07-29 16:48:32] **Unknown:** Sir, may I know, like Barclays Group has taken over the Tesco Bank as well.
- [2026-07-29 16:48:32 - 2026-07-29 16:48:35] **Unknown:** So may I know, do you have any product with Tesco Bank?
- [2026-07-29 16:48:35 - 2026-07-29 16:48:36] **Unknown:** No, I don't.
- [2026-07-29 16:48:37 - 2026-07-29 16:48:37] **Unknown:** All right.
- [2026-07-29 16:48:38 - 2026-07-29 16:48:41] **Unknown:** And as you told me, it's due to your health issues,
- [2026-07-29 16:48:41 - 2026-07-29 16:48:47] **Unknown:** your performance was dead, then you work as a self-employed.
- [2026-07-29 16:48:47 - 2026-07-29 16:48:47] **Unknown:** Yes.
- [2026-07-29 16:48:49 - 2026-07-29 16:48:52] **Unknown:** And may I know how long you expect this financial difficulty to last, sir?
- [2026-07-29 16:48:52 - 2026-07-29 16:48:55] **Unknown:** It's already improving, so maybe three more months.
- [2026-07-29 16:48:56 - 2026-07-29 16:49:18] **Unknown:** Up to three months, okay. Just one minute, sir. Just one minute.
- [2026-07-29 16:49:18 - 2026-07-29 16:49:19] **Behnam:** No problem.
- [2026-07-29 16:49:34 - 2026-07-29 16:49:37] **Unknown:** And may I just confirm with you, sir, because as a lender,
- [2026-07-29 16:49:37 - 2026-07-29 16:49:40] **Unknown:** we understand you may have some important bills,
- [2026-07-29 16:49:41 - 2026-07-29 16:49:46] **Unknown:** such as rent, mortgage, council tax, utility bills, and additional creditors.
- [2026-07-29 16:49:46 - 2026-07-29 16:49:46] **Behnam:** Yes.
- [2026-07-29 16:49:46 - 2026-07-29 16:49:48] **Unknown:** May I know you are up to date with your...
- [2026-07-29 16:49:49 - 2026-07-29 16:49:52] **Unknown:** Priority bills and other creditors, not including your Barclays product?
- [2026-07-29 16:49:53 - 2026-07-29 16:49:54] **Behnam:** That's all up to date.
- [2026-07-29 16:49:54 - 2026-07-29 16:49:57] **Unknown:** My wife helps to cover it, so it's fine.
- [2026-07-29 16:49:58 - 2026-07-29 16:50:01] **Unknown:** And do you have any other borrowings apart from Barclays card, sir?
- [2026-07-29 16:50:02 - 2026-07-29 16:50:05] **Behnam:** I have a Nationwide credit card and a Virgin Money credit card.
- [2026-07-29 16:50:06 - 2026-07-29 16:50:07] **Behnam:** Are you up to date with them?
- [2026-07-29 16:50:08 - 2026-07-29 16:50:10] **Behnam:** No, they've given me the 30 days as well.
- [2026-07-29 16:50:11 - 2026-07-29 16:50:16] **Behnam:** So I'm seeking to resolve all of them within 30 days, I hope, including yours.
- [2026-07-29 16:50:17 - 2026-07-29 16:50:21] **Unknown:** And have you made any agreement in place with them that how you're going to pay them?
- [2026-07-29 16:50:22 - 2026-07-29 16:50:26] **Behnam:** No, to be honest, it's only a few hundred pounds also in each case.
- [2026-07-29 16:50:26 - 2026-07-29 16:50:31] **Behnam:** So I think I'll have no problem in 30 days to settle their accounts.
- [2026-07-29 16:50:32 - 2026-07-29 16:50:37] **Unknown:** Sir, if you want, I can recommend you to speak with a debt management company like Business Debt Line.
- [2026-07-29 16:50:38 - 2026-07-29 16:50:39] **Behnam:** Do you want?
- [2026-07-29 16:50:39 - 2026-07-29 16:50:43] **Behnam:** No, it's all right. Thank you. I have read information already.
- [2026-07-29 16:50:44 - 2026-07-29 16:50:44] **Unknown:** Okay.
- [2026-07-29 16:50:45 - 2026-07-29 16:50:46] **Unknown:** No, like...
- [2026-07-29 16:50:46 - 2026-07-29 16:50:48] **Unknown:** I can recommend you to speak with a business...
- [2026-07-29 16:50:49 - 2026-07-29 16:50:54] **Unknown:** deadline and i can apply the 30 days hold on this account if you enter into any solution with debt
- [2026-07-29 16:50:54 - 2026-07-29 16:51:02] **Unknown:** management company in next 30 days you can call us back and let us know about it okay yes why not
- [2026-07-29 16:51:02 - 2026-07-29 16:51:09] **Unknown:** yes okay but before i do that sir i'll advise you that having a conversation with debt management
- [2026-07-29 16:51:09 - 2026-07-29 16:51:14] **Unknown:** company won't impact your credit score but agreeing to a debt management solution they offer
- [2026-07-29 16:51:14 - 2026-07-29 16:51:20] **Unknown:** for good it is important for you to understand that any debt management solution you agree
- [2026-07-29 16:51:20 - 2026-07-29 16:51:25] **Unknown:** it must include all of your unsecured debts like personal loan store cards credit cards and
- [2026-07-29 16:51:25 - 2026-07-29 16:51:31] **Unknown:** overdraft if you agree to a solution we may register a default on your credit file which
- [2026-07-29 16:51:31 - 2026-07-29 16:51:36] **Unknown:** could stay on your credit file for up to six years and could make it harder for you to get
- [2026-07-29 16:51:36 - 2026-07-29 16:51:41] **Unknown:** credit in future all unsecured debt must be included in your debt solution such as personal
- [2026-07-29 16:51:41 - 2026-07-29 16:51:44] **Unknown:** loan store cards credit cards and overdraft okay
- [2026-07-29 16:51:44 - 2026-07-29 16:51:44] **Unknown:** okay
- [2026-07-29 16:51:44 - 2026-07-29 16:51:48] **Unknown:** okay and the debt management company will explain the benefit risk
- [2026-07-29 16:51:49 - 2026-07-29 16:51:52] **Unknown:** potential impact to your credit score when they talk you through your options?
- [2026-07-29 16:51:52 - 2026-07-29 16:51:55] **Unknown:** I don't think it's necessary for me to even to explore that. I've explored it, but
- [2026-07-29 16:51:55 - 2026-07-29 16:52:01] **Unknown:** the amount of my debt is just... If you don't want that, sir, I can just apply the 30 days
- [2026-07-29 16:52:01 - 2026-07-29 16:52:05] **Unknown:** hold if you don't want to... Yeah, I think I'll be able, I have no problem settling 30 days to
- [2026-07-29 16:52:05 - 2026-07-29 16:52:10] **Unknown:** bring you up to date. I mean, in 30 days... Okay, and may I know, would you like to do
- [2026-07-29 16:52:10 - 2026-07-29 16:52:16] **Unknown:** the income and expenditure review with us? It's a bit hard to gauge my income, which is why...
- [2026-07-29 16:52:16 - 2026-07-29 16:52:23] **Unknown:** It's okay, no problem. It's open down at the moment. I can't give a reliable forecast.
- [2026-07-29 16:52:24 - 2026-07-29 16:52:29] **Unknown:** It's okay, it's okay, we understand. But, sir, I'll apply the hold on your card, but what I see
- [2026-07-29 16:52:29 - 2026-07-29 16:52:36] **Unknown:** that your card is already behind. It's been 75 days now. Okay. There is a possibility in next
- [2026-07-29 16:52:36 - 2026-07-29 16:52:41] **Unknown:** 30 days the card may get closed, sir. Okay, so I will make a payment very soon,
- [2026-07-29 16:52:41 - 2026-07-29 16:52:44] **Unknown:** in the next two days, I think, before Friday.
- [2026-07-29 16:52:45 - 2026-07-29 16:52:47] **Unknown:** Then I'll apply the hold for you, okay? Okay.
- [2026-07-29 16:52:47 - 2026-07-29 16:52:48] **Unknown:** So that...
- [2026-07-29 16:52:49 - 2026-07-29 16:52:52] **Unknown:** You don't get charged with an interest and fees on the card in your next statement.
- [2026-07-29 16:52:53 - 2026-07-29 16:52:54] **Behnam:** I aim to bring it up.
- [2026-07-29 16:52:54 - 2026-07-29 16:52:56] **Behnam:** When does it normally become closed?
- [2026-07-29 16:52:56 - 2026-07-29 16:52:58] **Behnam:** Is it at 90 days of arrears?
- [2026-07-29 16:52:59 - 2026-07-29 16:53:00] **Unknown:** Yes, sir.
- [2026-07-29 16:53:00 - 2026-07-29 16:53:01] **Unknown:** Okay.
- [2026-07-29 16:53:01 - 2026-07-29 16:53:02] **Behnam:** So that's two, yeah.
- [2026-07-29 16:53:02 - 2026-07-29 16:53:05] **Unknown:** Over 90 days, the card may get closed, sir.
- [2026-07-29 16:53:05 - 2026-07-29 16:53:05] **Behnam:** Okay.
- [2026-07-29 16:53:05 - 2026-07-29 16:53:08] **Unknown:** I will bring it up today as soon as I can before that, yes.
- [2026-07-29 16:53:09 - 2026-07-29 16:53:12] **Unknown:** And I'll just advise you, sir, one thing.
- [2026-07-29 16:53:12 - 2026-07-29 16:53:17] **Unknown:** Just a couple of things I'll quickly verify with you before I give you the last information.
- [2026-07-29 16:53:17 - 2026-07-29 16:53:20] **Unknown:** Your cell phone number ends in 200?
- [2026-07-29 16:53:20 - 2026-07-29 16:53:21] **Unknown:** Correct.
- [2026-07-29 16:53:22 - 2026-07-29 16:53:25] **Unknown:** And is this your business number, sir, which ends in 9999?
- [2026-07-29 16:53:26 - 2026-07-29 16:53:26] **Unknown:** Yes, correct.
- [2026-07-29 16:53:27 - 2026-07-29 16:53:33] **Behnam:** And may I have your first line of address and your postcode?
- [2026-07-29 16:53:33 - 2026-07-29 16:53:37] **Behnam:** It's 10 St. Oswald's Way, 72 Alpha Alpha.
- [2026-07-29 16:53:38 - 2026-07-29 16:53:41] **Unknown:** And may I have your email address for verification?
- [2026-07-29 16:53:41 - 2026-07-29 16:53:44] **Unknown:** It's benham at refref.co.uk.
- [2026-07-29 16:53:45 - 2026-07-29 16:53:48] **Unknown:** Any other contact details would you like to update over here?
- [2026-07-29 16:53:49 - 2026-07-29 16:53:50] **Unknown:** No, I think everything should be the same.
- [2026-07-29 16:53:51 - 2026-07-29 16:53:54] **Unknown:** So, sir, I'll just share one last piece of information with you.
- [2026-07-29 16:53:54 - 2026-07-29 16:53:55] **Unknown:** Yes.
- [2026-07-29 16:53:55 - 2026-07-29 16:54:00] **Unknown:** That we will stop our financial assistance team
- [2026-07-29 16:54:00 - 2026-07-29 16:54:02] **Unknown:** calling about this account for next 30 days.
- [2026-07-29 16:54:02 - 2026-07-29 16:54:06] **Unknown:** During this time, you are unable to spend on the account.
- [2026-07-29 16:54:06 - 2026-07-29 16:54:06] **Unknown:** Okay.
- [2026-07-29 16:54:06 - 2026-07-29 16:54:08] **Unknown:** You may still receive statements and letters
- [2026-07-29 16:54:08 - 2026-07-29 16:54:10] **Unknown:** asking you to make a payment.
- [2026-07-29 16:54:10 - 2026-07-29 16:54:14] **Unknown:** We will not apply interest and fees in your next statement.
- [2026-07-29 16:54:14 - 2026-07-29 16:54:14] **Unknown:** Okay.
- [2026-07-29 16:54:15 - 2026-07-29 16:54:16] **Unknown:** Information regarding your account
- [2026-07-29 16:54:16 - 2026-07-29 16:54:18] **Unknown:** can be sent to credit reference agencies.
- [2026-07-29 16:54:18 - 2026-07-29 16:54:20] **Unknown:** This may include late payment
- [2026-07-29 16:54:20 - 2026-07-29 16:54:23] **Unknown:** and can affect your ability to get credit in future.
- [2026-07-29 16:54:24 - 2026-07-29 16:54:25] **Unknown:** While the account is on hold,
- [2026-07-29 16:54:25 - 2026-07-29 16:54:28] **Unknown:** any further mispayment can result in
- [2026-07-29 16:54:28 - 2026-07-29 16:54:30] **Unknown:** the withdrawal of your account facilities,
- [2026-07-29 16:54:31 - 2026-07-29 16:54:32] **Unknown:** default notice being issued,
- [2026-07-29 16:54:32 - 2026-07-29 16:54:35] **Unknown:** which can result in a default being registered
- [2026-07-29 16:54:35 - 2026-07-29 16:54:36] **Unknown:** with credit reference agencies,
- [2026-07-29 16:54:37 - 2026-07-29 16:54:39] **Unknown:** the placement of your account with third party
- [2026-07-29 16:54:39 - 2026-07-29 16:54:41] **Unknown:** to recover the amount owed.
- [2026-07-29 16:54:41 - 2026-07-29 16:54:44] **Unknown:** You can still contact us while this hold is in place.
- [2026-07-29 16:54:44 - 2026-07-29 16:54:47] **Unknown:** If we don't hear from you in next 30 days,
- [2026-07-29 16:54:47 - 2026-07-29 16:54:48] **Unknown:** then we may...
- [2026-07-29 16:54:48 - 2026-07-29 16:54:48] **Unknown:** I'm in.
- [2026-07-29 16:54:49 - 2026-07-29 16:54:58] **Unknown:** try to contact you by phone, okay? No problem. Thank you. No problem, sir. So I have updated
- [2026-07-29 16:54:58 - 2026-07-29 16:55:02] **Unknown:** this, sir. I have updated the hold on your card. You won't get charged with an interest and fees
- [2026-07-29 16:55:02 - 2026-07-29 16:55:07] **Unknown:** in your next statement, sir. Okay. And I would advise you try to pay your arrear due, sir. Say
- [2026-07-29 16:55:07 - 2026-07-29 16:55:12] **Unknown:** even if you struggle to pay the arrear due, and later you can call us back and we will help you
- [2026-07-29 16:55:12 - 2026-07-29 16:55:18] **Unknown:** with a repayment plan on the account, okay? I understand. Thank you very much. You're most
- [2026-07-29 16:55:18 - 2026-07-29 16:55:23] **Unknown:** welcome, sir. And you take care of your health and you have a good day, sir. Beautiful. Thank
- [2026-07-29 16:55:23 - 2026-07-29 16:55:25] **Unknown:** you. Bye-bye for now. Okay. Bye-bye.