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Transcript #22724
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Status: completed · Language: en · Source: Unknown source · Captured: 2026-07-30 15:17:12 · Hello? Hello, sorry, I'm on the motorway, so I thought I'd phone you. Okay. Yeah, about food, I was so hungry I had no r
Hello?
2026-07-30 15:17:12 - 2026-07-30 15:17:13Hello, sorry, I'm on the motorway, so I thought I'd phone you.
2026-07-30 15:17:14 - 2026-07-30 15:17:17Okay.
2026-07-30 15:17:18 - 2026-07-30 15:17:18Yeah, about food, I was so hungry I had no rules for lunch,
2026-07-30 15:17:19 - 2026-07-30 15:17:23but I only had a quarter past two before I set off.
2026-07-30 15:17:23 - 2026-07-30 15:17:26So I'm not hungry, I feel sick and full, I can't think about food.
2026-07-30 15:17:26 - 2026-07-30 15:17:30So even if I come home and eat in time, but I don't want to,
2026-07-30 15:17:31 - 2026-07-30 15:17:35probably will, but I don't want something cooked.
2026-07-30 15:17:35 - 2026-07-30 15:17:39I mean, I'd rather have soup or something very small.
2026-07-30 15:17:39 - 2026-07-30 15:17:41We don't have anything small, soup or...
2026-07-30 15:17:43 - 2026-07-30 15:17:45No, no, but I'll buy you, too. I'll buy whatever I need.
2026-07-30 15:17:46 - 2026-07-30 15:17:48That's fine.
2026-07-30 15:17:49 - 2026-07-30 15:17:50So, I mean, if you're not bothered to cook, I'm not bothered at all.
2026-07-30 15:17:51 - 2026-07-30 15:17:54I really couldn't face chicken and rice or anything like that anyway.
2026-07-30 15:17:54 - 2026-07-30 15:17:58So I've had kebab already.
2026-07-30 15:17:58 - 2026-07-30 15:18:00Okay.
2026-07-30 15:18:01 - 2026-07-30 15:18:02Well, I don't know about tomorrow because I won't be here for the dinner.
2026-07-30 15:18:02 - 2026-07-30 15:18:06I know. Well, I'll sell something at some time.
2026-07-30 15:18:07 - 2026-07-30 15:18:09Well, I will be, but I don't know because I thought you could...
2026-07-30 15:18:09 - 2026-07-30 15:18:11pick 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 15:18:12 - 2026-07-30 15:18:18half nine okay so i can take care as well yeah okay yeah well that's fine then we can
2026-07-30 15:18:19 - 2026-07-30 15:18:26anna and i can come and pick you up uh but yeah so about food today don't worry and about food
2026-07-30 15:18:26 - 2026-07-30 15:18:32tomorrow i'll think of something in 20 about those payments yeah okay i'll pay them i'm trying to
2026-07-30 15:18:32 - 2026-07-30 15:18:38make sure i'm not behind with the credit cards because you know they put down my credit file
2026-07-30 15:18:38 - 2026-07-30 15:18:43and all that so i've been prioritizing some things but yeah well that one said it's not
2026-07-30 15:18:43 - 2026-07-30 15:18:54due 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 15:18:54 - 2026-07-30 15:19:02say 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 15:19:02 - 2026-07-30 15:19:09might be one of them in august
2026-07-30 15:19:09 - 2026-07-30 15:19:11but
2026-07-30 15:19:11 - 2026-07-30 15:19:11before the renewal day.
2026-07-30 15:19:12 - 2026-07-30 15:19:13I don't think it's going to be this month, the 1st of August.
2026-07-30 15:19:13 - 2026-07-30 15:19:17It'll be up a bit in 1st of September, and then October it'll probably be the same,
2026-07-30 15:19:17 - 2026-07-30 15:19:24and then November it'll be the full $1,900, whatever.
2026-07-30 15:19:24 - 2026-07-30 15:19:27Because it's on two different accounts.
2026-07-30 15:19:28 - 2026-07-30 15:19:30It's two separate loans.
2026-07-30 15:19:31 - 2026-07-30 15:19:32I think I need to double check.
2026-07-30 15:19:32 - 2026-07-30 15:19:33Oh, you mean, okay, I see, because that's the total amount.
2026-07-30 15:19:33 - 2026-07-30 15:19:36The demand goes up, and then the other one goes up.
2026-07-30 15:19:36 - 2026-07-30 15:19:38But after that, there'll be a line for next time, in two years.
2026-07-30 15:19:38 - 2026-07-30 15:19:42It's only fixed for two years.
2026-07-30 15:19:43 - 2026-07-30 15:19:44I'm coming down, but I don't think it'll be this month.
2026-07-30 15:19:44 - 2026-07-30 15:19:55But I've got money.
2026-07-30 15:19:55 - 2026-07-30 15:19:56I've got about $1,600, but I want it to pay about $1,000 off a credit card.
2026-07-30 15:19:56 - 2026-07-30 15:20:00But I'll get some more money over the weekend as well, so it'll be okay.
2026-07-30 15:20:03 - 2026-07-30 15:20:06I'll sort everything out in the next couple of days, and I'll pay these ones.
2026-07-30 15:20:06 - 2026-07-30 15:20:10Well, I'm just asking.
2026-07-30 15:20:10 - 2026-07-30 15:20:11because I'll have to increase my payment
2026-07-30 15:20:12 - 2026-07-30 15:20:14but also because I don't have anything this month
2026-07-30 15:20:14 - 2026-07-30 15:20:18because I'm trying to pay that thing off
2026-07-30 15:20:18 - 2026-07-30 15:20:20and I don't think I will.
2026-07-30 15:20:20 - 2026-07-30 15:20:21I'll have to pay for the first-time interest on credit cards
2026-07-30 15:20:21 - 2026-07-30 15:20:23which I've never done in my life.
2026-07-30 15:20:23 - 2026-07-30 15:20:24No, I'll pay it.
2026-07-30 15:20:24 - 2026-07-30 15:20:25I'll pay it.
2026-07-30 15:20:25 - 2026-07-30 15:20:26How much is the payment and how much is the interest?
2026-07-30 15:20:26 - 2026-07-30 15:20:28Let's look at it.
2026-07-30 15:20:29 - 2026-07-30 15:20:29Well, I don't know because it doesn't tell you
2026-07-30 15:20:29 - 2026-07-30 15:20:31because it says, oh, if you pay the minimum,
2026-07-30 15:20:31 - 2026-07-30 15:20:35it will be 48, but I've paid off about,
2026-07-30 15:20:35 - 2026-07-30 15:20:37I don't even know how to calculate,
2026-07-30 15:20:39 - 2026-07-30 15:20:40but I've already paid $1,600
2026-07-30 15:20:40 - 2026-07-30 15:20:43and I need to pay about $700.
2026-07-30 15:20:43 - 2026-07-30 15:20:46I'm going to reimburse you all of it, I promise you.
2026-07-30 15:20:46 - 2026-07-30 15:20:49$700 more, but I don't have that much.
2026-07-30 15:20:49 - 2026-07-30 15:20:51I only have $900 in my bank account.
2026-07-30 15:20:51 - 2026-07-30 15:20:53It's easy, but I've slowly brought my things in line,
2026-07-30 15:20:53 - 2026-07-30 15:21:00so I'm getting there.
2026-07-30 15:21:00 - 2026-07-30 15:21:01And it makes more problems, that's why.
2026-07-30 15:21:01 - 2026-07-30 15:21:05But I'll show you all of it at the weekend.
2026-07-30 15:21:05 - 2026-07-30 15:21:07I've been on the phone for two days
2026-07-30 15:21:08 - 2026-07-30 15:21:10with all of the companies.
2026-07-30 15:21:10 - 2026-07-30 15:21:11a greeting and they've frozen the interest on them so it won't go up for my credit cards
2026-07-30 15:21:12 - 2026-07-30 15:21:20not because i've got like 40 000 of them so uh anyway you brought it's coming
2026-07-30 15:21:20 - 2026-07-30 15:21:26no i've got 40 000 pounds of debt but it's controlling yeah plus about 10 000 on mine i
2026-07-30 15:21:26 - 2026-07-30 15:21:36guess 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 15:21:36 - 2026-07-30 15:21:42to do with that because it's about december time i think that expires the promotional
2026-07-30 15:21:42 - 2026-07-30 15:21:47i 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 15:21:47 - 2026-07-30 15:22:05lot of interest if you have to keep paying i'm paying i'm paying
2026-07-30 15:22:05 - 2026-07-30 15:22:11hundreds of pounds of interest every month that's why it's almost impossible to bring it down but
2026-07-30 15:22:12 - 2026-07-30 15:22:17i've been speaking to them i talked to money advice service and well i did my own emails and
2026-07-30 15:22:17 - 2026-07-30 15:22:23phone calls now and i've sorted it so the frozen interest for three months on nearly all of them
2026-07-30 15:22:23 - 2026-07-30 15:22:27so 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 15:22:27 - 2026-07-30 15:22:33them 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 15:22:33 - 2026-07-30 15:22:39getting interest added on so i've been i'm happy with the way it's been how is that possible well
2026-07-30 15:22:39 - 2026-07-30 15:22:45you mean they don't charge you interest or it's not bigger yeah they're free they call it breathing
2026-07-30 15:22:50 - 2026-07-30 15:22:54space and it's a legal right according to the financial conduct authority if you just tell
2026-07-30 15:22:54 - 2026-07-30 15:22:59them 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 15:22:59 - 2026-07-30 15:23:04with no questions after 90 days breathing space which means yeah they don't send you any phone
2026-07-30 15:23:04 - 2026-07-30 15:23:10calls or letters
2026-07-30 15:23:10 - 2026-07-30 15:23:11they 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 15:23:12 - 2026-07-30 15:23:21that earlier i actually didn't know you could do that but i wasn't missing payments before and i
2026-07-30 15:23:21 - 2026-07-30 15:23:29started using payments and it was affecting my credit file then i really wanted to take action
2026-07-30 15:23:29 - 2026-07-30 15:23:34you know because one day we want that to be good to buy property or do something else yeah
2026-07-30 15:23:34 - 2026-07-30 15:23:38i was swimming don't forget you've got a dentist
2026-07-30 15:23:38 - 2026-07-30 15:23:48lilla i forgot that completely thank you for reminding me
2026-07-30 15:23:51 - 2026-07-30 15:23:53because he said he forgot in the morning because originally i said i'm going to take him but you
2026-07-30 15:23:54 - 2026-07-30 15:23:58kept 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 15:23:58 - 2026-07-30 15:24:03okay yes i know we have to go to the dentist i forgot
2026-07-30 15:24:03 - 2026-07-30 15:24:06Hi, good to go.
2026-07-30 15:24:12 - 2026-07-30 15:24:12Hi, good to go.
2026-07-30 15:24:13 - 2026-07-30 15:24:13Diarization Windows
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