# Call Recording Transcript

- Started: 2026-07-30 15:17:12
- Direction: outbound
- Caller: Behnam
- Destination: 07943547775
- Duration: 7m 2s
- Disposition: ANSWERED

## Transcript

- [2026-07-30 15:17:12 - 2026-07-30 15:17:13] **Behnam:** Hello?
- [2026-07-30 15:17:14 - 2026-07-30 15:17:17] **Behnam:** Hello, sorry, I'm on the motorway, so I thought I'd phone you.
- [2026-07-30 15:17:18 - 2026-07-30 15:17:18] **Behnam:** Okay.
- [2026-07-30 15:17:19 - 2026-07-30 15:17:23] **Behnam:** Yeah, about food, I was so hungry I had no rules for lunch,
- [2026-07-30 15:17:23 - 2026-07-30 15:17:26] **Behnam:** but I only had a quarter past two before I set off.
- [2026-07-30 15:17:26 - 2026-07-30 15:17:30] **Behnam:** So I'm not hungry, I feel sick and full, I can't think about food.
- [2026-07-30 15:17:31 - 2026-07-30 15:17:35] **Behnam:** So even if I come home and eat in time, but I don't want to,
- [2026-07-30 15:17:35 - 2026-07-30 15:17:39] **Behnam:** probably will, but I don't want something cooked.
- [2026-07-30 15:17:39 - 2026-07-30 15:17:41] **Behnam:** I mean, I'd rather have soup or something very small.
- [2026-07-30 15:17:43 - 2026-07-30 15:17:45] **Unknown:** We don't have anything small, soup or...
- [2026-07-30 15:17:46 - 2026-07-30 15:17:48] **Behnam:** No, no, but I'll buy you, too. I'll buy whatever I need.
- [2026-07-30 15:17:49 - 2026-07-30 15:17:50] **Behnam:** That's fine.
- [2026-07-30 15:17:51 - 2026-07-30 15:17:54] **Behnam:** So, I mean, if you're not bothered to cook, I'm not bothered at all.
- [2026-07-30 15:17:54 - 2026-07-30 15:17:58] **Behnam:** I really couldn't face chicken and rice or anything like that anyway.
- [2026-07-30 15:17:58 - 2026-07-30 15:18:00] **Behnam:** So I've had kebab already.
- [2026-07-30 15:18:01 - 2026-07-30 15:18:02] **Behnam:** Okay.
- [2026-07-30 15:18:02 - 2026-07-30 15:18:06] **Unknown:** Well, I don't know about tomorrow because I won't be here for the dinner.
- [2026-07-30 15:18:07 - 2026-07-30 15:18:09] **Behnam:** I know. Well, I'll sell something at some time.
- [2026-07-30 15:18:09 - 2026-07-30 15:18:11] **Unknown:** Well, I will be, but I don't know because I thought you could...
- [2026-07-30 15:18:12 - 2026-07-30 15:18:18] **Unknown:** pick me up because i'm i'm hoping to get home by six to be back but okay what time is it morning
- [2026-07-30 15:18:19 - 2026-07-30 15:18:26] **Behnam:** half nine okay so i can take care as well yeah okay yeah well that's fine then we can
- [2026-07-30 15:18:26 - 2026-07-30 15:18:32] **Behnam:** anna and i can come and pick you up uh but yeah so about food today don't worry and about food
- [2026-07-30 15:18:32 - 2026-07-30 15:18:38] **Behnam:** tomorrow i'll think of something in 20 about those payments yeah okay i'll pay them i'm trying to
- [2026-07-30 15:18:38 - 2026-07-30 15:18:43] **Behnam:** make sure i'm not behind with the credit cards because you know they put down my credit file
- [2026-07-30 15:18:43 - 2026-07-30 15:18:54] **Behnam:** and all that so i've been prioritizing some things but yeah well that one said it's not
- [2026-07-30 15:18:54 - 2026-07-30 15:19:02] **Behnam:** 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
- [2026-07-30 15:19:02 - 2026-07-30 15:19:09] **Unknown:** say well i was asking about when does the mortgage go up yeah i can't remember i don't think it it
- [2026-07-30 15:19:09 - 2026-07-30 15:19:11] **Behnam:** might be one of them in august
- [2026-07-30 15:19:11 - 2026-07-30 15:19:11] **Behnam:** but
- [2026-07-30 15:19:12 - 2026-07-30 15:19:13] **Behnam:** before the renewal day.
- [2026-07-30 15:19:13 - 2026-07-30 15:19:17] **Behnam:** I don't think it's going to be this month, the 1st of August.
- [2026-07-30 15:19:17 - 2026-07-30 15:19:24] **Behnam:** It'll be up a bit in 1st of September, and then October it'll probably be the same,
- [2026-07-30 15:19:24 - 2026-07-30 15:19:27] **Behnam:** and then November it'll be the full $1,900, whatever.
- [2026-07-30 15:19:28 - 2026-07-30 15:19:30] **Behnam:** Because it's on two different accounts.
- [2026-07-30 15:19:31 - 2026-07-30 15:19:32] **Behnam:** It's two separate loans.
- [2026-07-30 15:19:32 - 2026-07-30 15:19:33] **Behnam:** I think I need to double check.
- [2026-07-30 15:19:33 - 2026-07-30 15:19:36] **Unknown:** Oh, you mean, okay, I see, because that's the total amount.
- [2026-07-30 15:19:36 - 2026-07-30 15:19:38] **Behnam:** The demand goes up, and then the other one goes up.
- [2026-07-30 15:19:38 - 2026-07-30 15:19:42] **Behnam:** But after that, there'll be a line for next time, in two years.
- [2026-07-30 15:19:43 - 2026-07-30 15:19:44] **Behnam:** It's only fixed for two years.
- [2026-07-30 15:19:44 - 2026-07-30 15:19:55] **Behnam:** I'm coming down, but I don't think it'll be this month.
- [2026-07-30 15:19:55 - 2026-07-30 15:19:56] **Behnam:** But I've got money.
- [2026-07-30 15:19:56 - 2026-07-30 15:20:00] **Behnam:** I've got about $1,600, but I want it to pay about $1,000 off a credit card.
- [2026-07-30 15:20:03 - 2026-07-30 15:20:06] **Behnam:** But I'll get some more money over the weekend as well, so it'll be okay.
- [2026-07-30 15:20:06 - 2026-07-30 15:20:10] **Unknown:** I'll sort everything out in the next couple of days, and I'll pay these ones.
- [2026-07-30 15:20:10 - 2026-07-30 15:20:11] **Behnam:** Well, I'm just asking.
- [2026-07-30 15:20:12 - 2026-07-30 15:20:14] **Unknown:** because I'll have to increase my payment
- [2026-07-30 15:20:14 - 2026-07-30 15:20:18] **Behnam:** but also because I don't have anything this month
- [2026-07-30 15:20:18 - 2026-07-30 15:20:20] **Unknown:** because I'm trying to pay that thing off
- [2026-07-30 15:20:20 - 2026-07-30 15:20:21] **Unknown:** and I don't think I will.
- [2026-07-30 15:20:21 - 2026-07-30 15:20:23] **Unknown:** I'll have to pay for the first-time interest on credit cards
- [2026-07-30 15:20:23 - 2026-07-30 15:20:24] **Unknown:** which I've never done in my life.
- [2026-07-30 15:20:24 - 2026-07-30 15:20:25] **Unknown:** No, I'll pay it.
- [2026-07-30 15:20:25 - 2026-07-30 15:20:26] **Unknown:** I'll pay it.
- [2026-07-30 15:20:26 - 2026-07-30 15:20:28] **Unknown:** How much is the payment and how much is the interest?
- [2026-07-30 15:20:29 - 2026-07-30 15:20:29] **Unknown:** Let's look at it.
- [2026-07-30 15:20:29 - 2026-07-30 15:20:31] **Unknown:** Well, I don't know because it doesn't tell you
- [2026-07-30 15:20:31 - 2026-07-30 15:20:35] **Unknown:** because it says, oh, if you pay the minimum,
- [2026-07-30 15:20:35 - 2026-07-30 15:20:37] **Unknown:** it will be 48, but I've paid off about,
- [2026-07-30 15:20:39 - 2026-07-30 15:20:40] **Unknown:** I don't even know how to calculate,
- [2026-07-30 15:20:40 - 2026-07-30 15:20:43] **Unknown:** but I've already paid $1,600
- [2026-07-30 15:20:43 - 2026-07-30 15:20:46] **Unknown:** and I need to pay about $700.
- [2026-07-30 15:20:46 - 2026-07-30 15:20:49] **Unknown:** I'm going to reimburse you all of it, I promise you.
- [2026-07-30 15:20:49 - 2026-07-30 15:20:51] **Unknown:** $700 more, but I don't have that much.
- [2026-07-30 15:20:51 - 2026-07-30 15:20:53] **Unknown:** I only have $900 in my bank account.
- [2026-07-30 15:20:53 - 2026-07-30 15:21:00] **Unknown:** It's easy, but I've slowly brought my things in line,
- [2026-07-30 15:21:00 - 2026-07-30 15:21:01] **Unknown:** so I'm getting there.
- [2026-07-30 15:21:01 - 2026-07-30 15:21:05] **Unknown:** And it makes more problems, that's why.
- [2026-07-30 15:21:05 - 2026-07-30 15:21:07] **Unknown:** But I'll show you all of it at the weekend.
- [2026-07-30 15:21:08 - 2026-07-30 15:21:10] **Unknown:** I've been on the phone for two days
- [2026-07-30 15:21:10 - 2026-07-30 15:21:11] **Unknown:** with all of the companies.
- [2026-07-30 15:21:12 - 2026-07-30 15:21:20] **Behnam:** a greeting and they've frozen the interest on them so it won't go up for my credit cards
- [2026-07-30 15:21:20 - 2026-07-30 15:21:26] **Behnam:** not because i've got like 40 000 of them so uh anyway you brought it's coming
- [2026-07-30 15:21:26 - 2026-07-30 15:21:36] **Behnam:** no i've got 40 000 pounds of debt but it's controlling yeah plus about 10 000 on mine i
- [2026-07-30 15:21:36 - 2026-07-30 15:21:42] **Behnam:** 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
- [2026-07-30 15:21:42 - 2026-07-30 15:21:47] **Unknown:** to do with that because it's about december time i think that expires the promotional
- [2026-07-30 15:21:47 - 2026-07-30 15:22:05] **Behnam:** i mean i don't have i keep paying 200 pounds but i don't know i think that's going to be a
- [2026-07-30 15:22:05 - 2026-07-30 15:22:11] **Unknown:** lot of interest if you have to keep paying i'm paying i'm paying
- [2026-07-30 15:22:12 - 2026-07-30 15:22:17] **Behnam:** hundreds of pounds of interest every month that's why it's almost impossible to bring it down but
- [2026-07-30 15:22:17 - 2026-07-30 15:22:23] **Behnam:** i've been speaking to them i talked to money advice service and well i did my own emails and
- [2026-07-30 15:22:23 - 2026-07-30 15:22:27] **Behnam:** phone calls now and i've sorted it so the frozen interest for three months on nearly all of them
- [2026-07-30 15:22:27 - 2026-07-30 15:22:33] **Behnam:** so i'm not paying it's not going up but i still have to make the payment so i'm trying to keep
- [2026-07-30 15:22:33 - 2026-07-30 15:22:39] **Behnam:** them on side by doing what i've said i would do by paying them on time and by doing so i'm not
- [2026-07-30 15:22:39 - 2026-07-30 15:22:45] **Behnam:** getting interest added on so i've been i'm happy with the way it's been how is that possible well
- [2026-07-30 15:22:50 - 2026-07-30 15:22:54] **Unknown:** you mean they don't charge you interest or it's not bigger yeah they're free they call it breathing
- [2026-07-30 15:22:54 - 2026-07-30 15:22:59] **Behnam:** space and it's a legal right according to the financial conduct authority if you just tell
- [2026-07-30 15:22:59 - 2026-07-30 15:23:04] **Behnam:** them that you've got problems and you can't pay it you're allowed to ask and they have to do it
- [2026-07-30 15:23:04 - 2026-07-30 15:23:10] **Behnam:** with no questions after 90 days breathing space which means yeah they don't send you any phone
- [2026-07-30 15:23:10 - 2026-07-30 15:23:11] **Behnam:** calls or letters
- [2026-07-30 15:23:12 - 2026-07-30 15:23:21] **Behnam:** they don't add on the interest and some of them say you don't even have to so why didn't you do
- [2026-07-30 15:23:21 - 2026-07-30 15:23:29] **Behnam:** that earlier i actually didn't know you could do that but i wasn't missing payments before and i
- [2026-07-30 15:23:29 - 2026-07-30 15:23:34] **Behnam:** started using payments and it was affecting my credit file then i really wanted to take action
- [2026-07-30 15:23:34 - 2026-07-30 15:23:38] **Behnam:** you know because one day we want that to be good to buy property or do something else yeah
- [2026-07-30 15:23:38 - 2026-07-30 15:23:48] **Behnam:** i was swimming don't forget you've got a dentist
- [2026-07-30 15:23:51 - 2026-07-30 15:23:53] **Unknown:** lilla i forgot that completely thank you for reminding me
- [2026-07-30 15:23:54 - 2026-07-30 15:23:58] **Behnam:** because he said he forgot in the morning because originally i said i'm going to take him but you
- [2026-07-30 15:23:58 - 2026-07-30 15:24:03] **Behnam:** kept saying you want to do it off so you're going to do it and now i'm on delivery oh my goodness
- [2026-07-30 15:24:03 - 2026-07-30 15:24:06] **Unknown:** okay yes i know we have to go to the dentist i forgot
- [2026-07-30 15:24:12 - 2026-07-30 15:24:12] **Unknown:** Hi, good to go.
- [2026-07-30 15:24:13 - 2026-07-30 15:24:13] **Unknown:** Hi, good to go.