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To Jeff at Nationwide, can he confirm your full name, please?

Benham Raff Raff.

Sorry, can I take this one?

Yeah, sorry, Raff Raff.

Benham Bravo Echo Hotel, November Alpha Mike,

and the surname is Raff Raff Romeo Alpha Foxtrot, Romeo Alpha Foxtrot.

And your date of birth, please?

24th of January, 1987.

Sorry, the first name again?

Benham, B-E-H-N-A-M.

N-A-M, okay.

Yeah.

Just be one moment, and then I'm just loading the account.

No worries.

If you could just confirm.

your date of birth again yeah 24 january 1987 and your address and postcode attend st oswald's way

s72aa okay and do you have access to the mobile banking app at all i do yes okay um are you able

to log into that yeah just bear with me bring it yeah sure yeah i'm in but now just one moment

you're able to log out of it and log back yeah sure that's okay yeah i'm back in

Okay. Thank you. So, yeah, you've passed security today, so I'm just going to check a few things.

I've got your mobile ending in two double zeros. Is that the correct one?

Yes, that's right.

Yeah, and then there's a work number ending in triple nine. Is that correct, Bobby?

That's correct as well, yeah.

That's great. And just checking if you have any health access or support needs that we need to be aware of?

Not really, I think, no.

Okay. And do you have any accounts or products with a company called Virgin Money at all?

Yes, I have a Virgin credit card as well.

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.

Separately, okay. I was going to ask that, but I can't answer that.

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?

Yeah, it is. It's over the limit and it's in areas.

I was just going to ask if I could have...

sort of a montage so to bring my finances under control and bring it back in line

all right let me just have a look at the account for you um so it is currently showing then the

credit card is two months um in arrears yeah yeah and then they're like they're over the limit as

well so they uh so when you say you need another month what has been the situation sorry have we

had a change in situation yeah i've been quite unwell and i'm gonna have an operation uh for

a condition called achalasia so it's affected my ability to work quite a lot and i'm supposed

to be running a business it's not gone very well uh but i'm back to a certain level now that i can

manage to work again and we've got things under control so the business will be generating an

income for me again yeah we should be substantial enough to cover my debts uh it's just it's going

to take me a couple of weeks at least before i'm in a position to catch up with this and

uh the virgin credit card i

also call that

Sorry, you said you've got the Virgin credit card as well that you need to...

Yeah, I've got that and a bucket card, and they're all over, too.

Okay, no, I understand.

So how long have you been not working for, then?

I've been working just not very well for...

It's about three months now.

I mean, I run a business that means I can't just abandon it.

But I can move it to attend every day.

So it's been for a couple of months, really,

two or three months at least.

Okay, so you're self-employed, sorry.

Yeah, I'm a director of a company, actually.

Yeah, self-employed as well.

Okay.

So when you say you're waiting to have an operation,

do you know when that is?

Yeah, I'm pending some more tests, but it's on the stock,

and it's quite major.

It should put me back to full health eventually.

Yeah, okay, I understand.

So I just want to...

to check um so when i ask a client at the start of the call if you want any uh support needs you

want us to add so i don't know if you're wanting me to add any of the support needs about that

your health i mean i don't need any special treatment for it to be honest it's my excuse

for the day payment but uh disabled or anything i don't need any no no i understand it's just um

yeah no it's your choice obviously if you want us to add it it's just something that we do add

if customers are struggling just so we're aware and any member of staff will see that but you

don't want any any anything special training no no that's that's fine um i'll put that down

if anything changes and obviously you do want us to add anything then yeah let us know anytime

that's fine i'll put that down so just just checking with other bills and things like rent

council tax gas for electricity or mortgage are they up today at the moment they're all up to that

yes yeah that's fine and then you said you've obviously got other creditors and have you spoken

to them or do you need to speak the second one that i've

been talking to

Also, I've got Barclays card and they've given me 30 day, what do you call it, frozen

top printing space, whatever, and I haven't spoken to Virgin yet.

I was going to ask if you can deal with that account as well or not, but I guess not yet.

Yeah, we can't at the moment, no.

So Barclays is on hold and then you need to speak to Virgin, eh?

Yes.

Okay, I'll put that down.

And is there anyone else you have to support, like partner or children or family?

I have one child.

My wife works, so that's why I would pay her to date.

Okay.

Yeah, I'll put that down.

Okay.

So yeah, there's a few things we could do with the credit card then.

So if you think you need another month, then, you know, we could put it on hold, but then

obviously at the end of the hold, there'll be three months worth of payment.

Yeah.

At the moment, it's two months.

So do you think then if we did a hold, then it's...

In a month's time, would you be in a position to clear the arrears?

I expect so, yeah, but what's the exact amount I'd have to pay

to bring it up to there now?

I'm already thinking it's about £1,050.

So at the moment, including the last two missed payments

and the over-limit and then the payment due by the 14th of August,

the total is £1,041.32.

OK.

Yes, I don't think I could make that in the next week or so.

I could possibly make that by the 14th of August,

but I wouldn't want to promise and then fail.

And then there'll be another few hundred pounds.

Again, we'll be talking around £1,500 I'd have to pay

by the end of a month from now.

Or for the way it would be, 14th of September,

there'll be around £1,500 due as a minimum.

Yeah, so another minimum will be due then around about £354

by the 14th of September.

So, yeah.

Just on the 1500, so by then I'll certainly be all right.

I've got some assets for sale as well.

It may take a week or two, but in the worst case, I can sell them quickly.

Okay.

By September, it's definitely not a problem.

That's fine.

So, obviously, the issue is if we give you a 30-day hold, that necessarily holds it to the 29th of August.

Okay.

For example, if that's what I did.

It'll be all right.

It'll be less still.

I'm on the way.

I'm going to come up with 1500.

I mean, yeah, it'll be all right.

Yeah.

It'll be all right.

Yeah, that's fine.

Okay.

So, if we did the 30-day hold, then you think you could clear the 1041 then?

Yeah.

Yeah, absolutely.

Maybe more as well.

Okay.

No, that's fine.

I could put that down then.

So, if I hold it then for 30 days, then that would kind of take us to, what was it?

What was that date?

To the 28th of...

August yeah perfect so if I put by then then you think you can at least clear

the the 1,041 yeah definitely and perhaps take a bit more of a chunk off

as well yeah okay I'll put that down it's costing a fortune in interest as

well yep so I'll put that down and then it your direct debit is obviously

reversed in each month so do you want me to cancel that for now please yes I'll

do that now yes I've cancelled that now send a letter out so if you want to

reset the above see in the future let us know and obviously just let you know a

couple of quick things and with the credit card because obviously it's an

arrears and over limit then there is a block on the card just to make you

aware of that also being over limit and missing payments and it may impact your

credit rating and make you aware of that with the credit card then I'll put

that down in the notes that that's what you're going to look

to do if anything changes and obviously you know you can't pay then you know please let us know

there are the other options so if you can't pay then we could also always look at like some kind

of payment plan as well okay so we could look to you know help you with that so we to do that we

normally complete like an income and expenditure form yeah so that would be you know the next

option at the moment which is why i'm struggling with these income and expenditure forms anyway

because my income is very hard to predict yeah but yeah i don't know what you mean so okay

yep no that's fine um i'll put that down and if you obviously need any other help like free

debt advice there are companies like uh money wellness that you can speak to like you know

free debt advice did you want the number or are you okay sorry i'm fine without passing thank you

i've got it anyway okay that's fine and so like i said i'll put that down and then they hold for

30 days and that'll take the 28th of like say august and by then yeah i'll put that down so

you know you look to clear that amount yeah um i've cancelled the direct debit

and then yeah just be aware then there will be

Another minimum payment due by the 14th of September as well, then.

So if you can't pay that, then, yeah, if you let us know.

But then if you're fine, then that's fine.

I'll put that down there.

Yeah, any other changes, let us know.

So obviously with the, I can see you've got a Flex account.

You're obviously just in the overdraft.

Do you need to speak to them at all?

It's all right.

That's fine.

I've got some money to go in here as well.

Okay.

That's fine, then.

Is that all okay, then, today for now?

Yeah, thank you very much.

Thanks.

That's fine.

That's all right.

I'll hold the account, then, and then we'll speak to you in a month.

Perfect.

I hope the situation improves, then.

Thanks.

Bye-bye.

Take care.

Bye-bye.