0:01
Hello?
0:02
Hello, sorry, I'm on the motorway, so I thought I'd phone you.
0:06
Okay.
0:08
Yeah, about food, I was so hungry I had no rules for lunch,
0:12
but I only had a quarter past two before I set off.
0:15
So I'm not hungry, I feel sick and full, I can't think about food.
0:19
So even if I come home and eat in time, but I don't want to,
0:24
probably will, but I don't want something cooked.
0:27
I mean, I'd rather have soup or something very small.
0:31
We don't have anything small, soup or...
0:34
No, no, but I'll buy you, too. I'll buy whatever I need.
0:37
That's fine.
0:39
So, I mean, if you're not bothered to cook, I'm not bothered at all.
0:43
I really couldn't face chicken and rice or anything like that anyway.
0:47
So I've had kebab already.
0:50
Okay.
0:50
Well, I don't know about tomorrow because I won't be here for the dinner.
0:55
I know. Well, I'll sell something at some time.
0:57
Well, I will be, but I don't know because I thought you could...
1:00
pick me up because i'm i'm hoping to get home by six to be back but okay what time is it morning
1:07
half nine okay so i can take care as well yeah okay yeah well that's fine then we can
1:15
anna and i can come and pick you up uh but yeah so about food today don't worry and about food
1:21
tomorrow i'll think of something in 20 about those payments yeah okay i'll pay them i'm trying to
1:26
make sure i'm not behind with the credit cards because you know they put down my credit file
1:32
and all that so i've been prioritizing some things but yeah well that one said it's not
1:42
due yet but one of them is due 140 yeah i'm gonna do it it's okay and uh one other thing i was gonna
1:50
say well i was asking about when does the mortgage go up yeah i can't remember i don't think it it
1:58
might be one of them in august
1:59
but
2:00
before the renewal day.
2:02
I don't think it's going to be this month, the 1st of August.
2:05
It'll be up a bit in 1st of September, and then October it'll probably be the same,
2:13
and then November it'll be the full $1,900, whatever.
2:16
Because it's on two different accounts.
2:19
It's two separate loans.
2:21
I think I need to double check.
2:22
Oh, you mean, okay, I see, because that's the total amount.
2:25
The demand goes up, and then the other one goes up.
2:27
But after that, there'll be a line for next time, in two years.
2:31
It's only fixed for two years.
2:32
I'm coming down, but I don't think it'll be this month.
2:44
But I've got money.
2:44
I've got about $1,600, but I want it to pay about $1,000 off a credit card.
2:51
But I'll get some more money over the weekend as well, so it'll be okay.
2:55
I'll sort everything out in the next couple of days, and I'll pay these ones.
2:59
Well, I'm just asking.
3:00
because I'll have to increase my payment
3:02
but also because I don't have anything this month
3:06
because I'm trying to pay that thing off
3:08
and I don't think I will.
3:09
I'll have to pay for the first-time interest on credit cards
3:12
which I've never done in my life.
3:13
No, I'll pay it.
3:14
I'll pay it.
3:14
How much is the payment and how much is the interest?
3:17
Let's look at it.
3:18
Well, I don't know because it doesn't tell you
3:20
because it says, oh, if you pay the minimum,
3:24
it will be 48, but I've paid off about,
3:27
I don't even know how to calculate,
3:29
but I've already paid $1,600
3:32
and I need to pay about $700.
3:35
I'm going to reimburse you all of it, I promise you.
3:37
$700 more, but I don't have that much.
3:40
I only have $900 in my bank account.
3:42
It's easy, but I've slowly brought my things in line,
3:48
so I'm getting there.
3:50
And it makes more problems, that's why.
3:54
But I'll show you all of it at the weekend.
3:56
I've been on the phone for two days
3:59
with all of the companies.
4:01
a greeting and they've frozen the interest on them so it won't go up for my credit cards
4:08
not because i've got like 40 000 of them so uh anyway you brought it's coming
4:15
no i've got 40 000 pounds of debt but it's controlling yeah plus about 10 000 on mine i
4:25
guess yes i know i'm going to pay that as well okay well that's uh i don't know what we're going
4:31
to do with that because it's about december time i think that expires the promotional
4:35
i mean i don't have i keep paying 200 pounds but i don't know i think that's going to be a
4:53
lot of interest if you have to keep paying i'm paying i'm paying
5:00
hundreds of pounds of interest every month that's why it's almost impossible to bring it down but
5:05
i've been speaking to them i talked to money advice service and well i did my own emails and
5:11
phone calls now and i've sorted it so the frozen interest for three months on nearly all of them
5:16
so i'm not paying it's not going up but i still have to make the payment so i'm trying to keep
5:22
them on side by doing what i've said i would do by paying them on time and by doing so i'm not
5:28
getting interest added on so i've been i'm happy with the way it's been how is that possible well
5:38
you mean they don't charge you interest or it's not bigger yeah they're free they call it breathing
5:43
space and it's a legal right according to the financial conduct authority if you just tell
5:48
them that you've got problems and you can't pay it you're allowed to ask and they have to do it
5:53
with no questions after 90 days breathing space which means yeah they don't send you any phone
5:59
calls or letters
6:00
they don't add on the interest and some of them say you don't even have to so why didn't you do
6:09
that earlier i actually didn't know you could do that but i wasn't missing payments before and i
6:17
started using payments and it was affecting my credit file then i really wanted to take action
6:22
you know because one day we want that to be good to buy property or do something else yeah
6:27
i was swimming don't forget you've got a dentist
6:39
lilla i forgot that completely thank you for reminding me
6:43
because he said he forgot in the morning because originally i said i'm going to take him but you
6:46
kept saying you want to do it off so you're going to do it and now i'm on delivery oh my goodness
6:51
okay yes i know we have to go to the dentist i forgot
7:00
Hi, good to go.
7:01
Hi, good to go.