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Transcript #33801

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Status: completed · Language: en · Source: Unknown source · Captured: 2026-08-19 11:23:07 · If you record your name and reason for calling, I'll see if this person is available. KB from Avlo. Please stay on the l

Unknown

If you record your name and reason for calling, I'll see if this person is available.

2026-08-19 11:23:07 - 2026-08-19 11:23:10
Unknown

KB from Avlo.

2026-08-19 11:23:12 - 2026-08-19 11:23:13
Unknown

Please stay on the line.

2026-08-19 11:23:20 - 2026-08-19 11:23:21
Unknown

Hello.

2026-08-19 11:23:26 - 2026-08-19 11:23:26
Unknown

Hello, am I speaking to Burnham Ruff Ruff?

2026-08-19 11:23:28 - 2026-08-19 11:23:31
Unknown

Speaking, hello.

2026-08-19 11:23:31 - 2026-08-19 11:23:32
Unknown

You're speaking with KB, I'm calling you from Avlo.

2026-08-19 11:23:33 - 2026-08-19 11:23:36
Unknown

Hello.

2026-08-19 11:23:36 - 2026-08-19 11:23:36
Unknown

Regarding a loan application you submitted to the KS4.

2026-08-19 11:23:37 - 2026-08-19 11:23:39
Unknown

I'm doing good, thanks, and how are you?

2026-08-19 11:23:40 - 2026-08-19 11:23:41
Unknown

I'm all right, thank you, Andrea.

2026-08-19 11:23:41 - 2026-08-19 11:23:43
Unknown

I'm doing good. Is this a convenient time to speak?

2026-08-19 11:23:44 - 2026-08-19 11:23:47
Unknown

Yeah, absolutely.

2026-08-19 11:23:47 - 2026-08-19 11:23:48
Unknown

All right, so please be advised that this call is being recorded for training and monitoring purpose.

2026-08-19 11:23:49 - 2026-08-19 11:23:54
Unknown

Any information or documents you provide to us today will be held securely in our system. Is that okay?

2026-08-19 11:23:55 - 2026-08-19 11:24:00
Unknown

That's fine.

2026-08-19 11:24:00 - 2026-08-19 11:24:01
Unknown

Perfect. May I please have your date of birth for security purpose?

2026-08-19 11:24:02 - 2026-08-19 11:24:05
Unknown

Yeah, 24th of...

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Behnam

January 1987.

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Unknown

Thank you.

2026-08-19 11:24:09 - 2026-08-19 11:24:09
Unknown

First line of address as well as your postcode, please.

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Behnam

10 St. Oswald's Way, S72AA.

2026-08-19 11:24:12 - 2026-08-19 11:24:15
Unknown

Can you confirm the first line of address once again, please?

2026-08-19 11:24:18 - 2026-08-19 11:24:20
Behnam

Yeah, 10 St. Oswald's Way.

2026-08-19 11:24:20 - 2026-08-19 11:24:22
Unknown

Thank you so much for passing security with me.

2026-08-19 11:24:23 - 2026-08-19 11:24:25
Unknown

No problem.

2026-08-19 11:24:25 - 2026-08-19 11:24:26
Unknown

So the reason for my call is basically just to make sure that everything is correct on the application.

2026-08-19 11:24:26 - 2026-08-19 11:24:31
Unknown

Okay.

2026-08-19 11:24:32 - 2026-08-19 11:24:32
Unknown

And I'm pleased to inform you that the loan application has been conditionally approved.

2026-08-19 11:24:32 - 2026-08-19 11:24:37
Unknown

Okay.

2026-08-19 11:24:37 - 2026-08-19 11:24:38
Unknown

I also see that you have applied for $12,000.

2026-08-19 11:24:38 - 2026-08-19 11:24:41
Unknown

Is that the loan amount you're looking for?

2026-08-19 11:24:41 - 2026-08-19 11:24:43
Behnam

Yes, it is, yeah.

2026-08-19 11:24:43 - 2026-08-19 11:24:44
Unknown

All right.

2026-08-19 11:24:45 - 2026-08-19 11:24:45
Unknown

And what is the reason for this loan?

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Behnam

We need to buy some furniture for the house.

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Behnam

We need to improve our kitchen.

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Behnam

We're going to have a baby in a few months' time, and we need to make ourselves ready for it.

2026-08-19 11:24:52 - 2026-08-19 11:24:57
Behnam

We need to buy quite a few things in advance of the birth and generally improve the home.

2026-08-19 11:24:57 - 2026-08-19 11:25:04
Unknown

Not a problem. So I'll note down home improvements and buying furniture. Is that okay?

2026-08-19 11:25:07 - 2026-08-19 11:25:10
Unknown

Yes.

2026-08-19 11:25:11 - 2026-08-19 11:25:11
Unknown

All right. So we'll start with your personal details first, just to make sure that everything is correct.

2026-08-19 11:25:12 - 2026-08-19 11:25:17
Unknown

So we have you listed as Mr. Burnham Ruff Ruff. Do you have any middle names?

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Unknown

Andrew. Yes, Andrew.

2026-08-19 11:25:23 - 2026-08-19 11:25:24
Unknown

Andrew. Okay. Your marital status. He shows that you are married. Is that correct?

2026-08-19 11:25:25 - 2026-08-19 11:25:29
Unknown

Correct. Yes.

2026-08-19 11:25:29 - 2026-08-19 11:25:30
Unknown

Are you a homeowner?

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Unknown

Yes.

2026-08-19 11:25:33 - 2026-08-19 11:25:33
Unknown

Paying towards a mortgagee or is it paid in form?

2026-08-19 11:25:34 - 2026-08-19 11:25:36
Unknown

No, paying a mortgage.

2026-08-19 11:25:37 - 2026-08-19 11:25:38
Unknown

So you're still paying towards a mortgagee?

2026-08-19 11:25:40 - 2026-08-19 11:25:42
Unknown

Yes.

2026-08-19 11:25:42 - 2026-08-19 11:25:42
Unknown

And how much do you pay towards the mortgage?

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Behnam

It's about 1,600 and something per month. I pay half. I pay around 800 pounds towards a mortgage.

2026-08-19 11:25:46 - 2026-08-19 11:25:54
Unknown

That is 1,600 monthly, but you contribute 800?

2026-08-19 11:25:56 - 2026-08-19 11:26:00
Behnam

Half of it, yes.

2026-08-19 11:26:00 - 2026-08-19 11:26:01
Unknown

Okay. Not a problem. And do you guys have any outstanding arrears?

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Unknown

towards your mortgage payments?

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Unknown

No.

2026-08-19 11:26:08 - 2026-08-19 11:26:09
Unknown

All right.

2026-08-19 11:26:10 - 2026-08-19 11:26:11
Unknown

Your nationality is a British?

2026-08-19 11:26:11 - 2026-08-19 11:26:12
Unknown

British, yeah.

2026-08-19 11:26:12 - 2026-08-19 11:26:13
Unknown

Do you have any dependents?

2026-08-19 11:26:14 - 2026-08-19 11:26:16
Unknown

One daughter so far, yes.

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Unknown

How old is she?

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Unknown

Six.

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Unknown

Six-year-old.

2026-08-19 11:26:22 - 2026-08-19 11:26:23
Unknown

Thank you.

2026-08-19 11:26:23 - 2026-08-19 11:26:24
Unknown

And then your contact preference,

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Unknown

would you like us to either contact you through home,

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Unknown

mobile, or work number?

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Unknown

Mobile.

2026-08-19 11:26:30 - 2026-08-19 11:26:31
Unknown

The one that I'm calling you on, right?

2026-08-19 11:26:32 - 2026-08-19 11:26:34
Unknown

Yeah.

2026-08-19 11:26:34 - 2026-08-19 11:26:34
Unknown

It was 8200.

2026-08-19 11:26:34 - 2026-08-19 11:26:35
Unknown

Correct, yeah.

2026-08-19 11:26:36 - 2026-08-19 11:26:37
Unknown

All right.

2026-08-19 11:26:38 - 2026-08-19 11:26:38
Unknown

Is there any additional numbers you would like to add?

2026-08-19 11:26:38 - 2026-08-19 11:26:40
Unknown

No, that's all for now.

2026-08-19 11:26:41 - 2026-08-19 11:26:42
Unknown

Okay.

2026-08-19 11:26:43 - 2026-08-19 11:26:44
Unknown

So the email we have on file, it is your first name,

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Unknown

and then it's at roughrough.co.uk, correct?

2026-08-19 11:26:47 - 2026-08-19 11:26:50
Unknown

That's right, yes.

2026-08-19 11:26:51 - 2026-08-19 11:26:51
Unknown

Perfect.

2026-08-19 11:26:52 - 2026-08-19 11:26:53
Unknown

And then with your address history, I'm picking up two.

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Unknown

One is your previous address, which is 85 Tavistock Road.

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Unknown

It shows you started living here around April 2017,

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Unknown

and then your current address.

2026-08-19 11:27:03 - 2026-08-19 11:27:04
Unknown

It shows that you started living here around May.

2026-08-19 11:27:04 - 2026-08-19 11:27:06
Behnam

2022. Is that about right? Actually, it was December 2021 we moved in. December 2021? Yeah.

2026-08-19 11:27:07 - 2026-08-19 11:27:14
Unknown

Okay, let's just get that updated.

2026-08-19 11:27:16 - 2026-08-19 11:27:18
Unknown

All right, I have got that successfully updated and then could you please confirm,

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Unknown

am I currently employed? Yes. What is the name of the company you're working for? TLC Solutions Limited.

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Unknown

TLC Solutions Limited? Yes. Okay, and what is your job title? Manager.

2026-08-19 11:27:34 - 2026-08-19 11:27:41
Behnam

Manager. Okay, and when did you start working for the company? 2024, November 2024.

2026-08-19 11:27:43 - 2026-08-19 11:27:52
Unknown

Okay, November 2024. Let me just get that amended. And then prior to this, where were you working?

2026-08-19 11:27:54 - 2026-08-19 11:28:02
Behnam

It was Top Lines Catering Supplies Limited.

2026-08-19 11:28:02 - 2026-08-19 11:28:05
Unknown

Okay, so it's top line, catering.

2026-08-19 11:28:08 - 2026-08-19 11:28:10
Unknown

Yeah, top line is with an S on the end.

2026-08-19 11:28:11 - 2026-08-19 11:28:13
Unknown

Catering supply is limited.

2026-08-19 11:28:14 - 2026-08-19 11:28:15
Unknown

Okay, and what was your job title there?

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Unknown

Manager as well.

2026-08-19 11:28:19 - 2026-08-19 11:28:20
Unknown

Manager as well.

2026-08-19 11:28:21 - 2026-08-19 11:28:22
Unknown

And when did you start working for the company?

2026-08-19 11:28:22 - 2026-08-19 11:28:24
Unknown

Oh, 2009.

2026-08-19 11:28:24 - 2026-08-19 11:28:25
Unknown

I think November 2009, yes.

2026-08-19 11:28:26 - 2026-08-19 11:28:29
Unknown

And what month can I choose in 2009?

2026-08-19 11:28:30 - 2026-08-19 11:28:32
Unknown

November.

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Unknown

November.

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Unknown

All right, and you stopped working when you started with your recent role, right?

2026-08-19 11:28:35 - 2026-08-19 11:28:39
Unknown

2024 November?

2026-08-19 11:28:39 - 2026-08-19 11:28:40
Unknown

Yes, yes.

2026-08-19 11:28:40 - 2026-08-19 11:28:41
Unknown

Okay, get that amended here.

2026-08-19 11:28:43 - 2026-08-19 11:28:44
Unknown

All right, thank you so much for sharing that information with me.

2026-08-19 11:28:45 - 2026-08-19 11:28:50
Unknown

I got that updated.

2026-08-19 11:28:50 - 2026-08-19 11:28:51
Unknown

We are going to move to your financial details.

2026-08-19 11:28:51 - 2026-08-19 11:28:54
Unknown

So your net monthly income is £3,071?

2026-08-19 11:28:54 - 2026-08-19 11:28:57
Unknown

Yes.

2026-08-19 11:28:58 - 2026-08-19 11:28:59
Unknown

Okay, are you currently part of any active staff management plan, IVA, or any bankruptcy?

2026-08-19 11:29:00 - 2026-08-19 11:29:04
Unknown

No.

2026-08-19 11:29:05 - 2026-08-19 11:29:05
Unknown

Would you be able to pay by direct debit?

2026-08-19 11:29:07 - 2026-08-19 11:29:09
Unknown

Yes.

2026-08-19 11:29:09 - 2026-08-19 11:29:10
Unknown

All right, then. Perfect.

2026-08-19 11:29:11 - 2026-08-19 11:29:12
Unknown

So I do see that you have already submitted your three-month bank statement.

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Unknown

That is with Nationwide.

2026-08-19 11:29:15 - 2026-08-19 11:29:17
Unknown

Thank you so much for sending that over.

2026-08-19 11:29:17 - 2026-08-19 11:29:19
Unknown

Could you please confirm, do you have any additional bank accounts

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Unknown

that are under your name besides this one?

2026-08-19 11:29:23 - 2026-08-19 11:29:24
Unknown

Yes, I have several.

2026-08-19 11:29:25 - 2026-08-19 11:29:26
Unknown

How many do you have?

2026-08-19 11:29:28 - 2026-08-19 11:29:29
Unknown

I have Nationwide and Starling and HSBC.

2026-08-19 11:29:29 - 2026-08-19 11:29:34
Unknown

HSBC, no, I don't have.

2026-08-19 11:29:34 - 2026-08-19 11:29:38
Unknown

I have Nationwide, Starling, Santander.

2026-08-19 11:29:38 - 2026-08-19 11:29:41
Unknown

So we already have your Nationwide.

2026-08-19 11:29:43 - 2026-08-19 11:29:45
Unknown

We are going to need you to send the remaining two,

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Unknown

which is the Santander and NetWaste.

2026-08-19 11:29:48 - 2026-08-19 11:29:52
Unknown

All right.

2026-08-19 11:29:53 - 2026-08-19 11:29:53
Unknown

Do you have online banking set up for those accounts?

2026-08-19 11:29:53 - 2026-08-19 11:29:55
Unknown

Yes, I do, yes.

2026-08-19 11:29:55 - 2026-08-19 11:29:56
Unknown

All right.

2026-08-19 11:29:57 - 2026-08-19 11:29:57
Unknown

Can I send you links to send those over, please?

2026-08-19 11:29:57 - 2026-08-19 11:30:00
Unknown

Yeah, absolutely.

2026-08-19 11:30:00 - 2026-08-19 11:30:00
Unknown

Perfect.

2026-08-19 11:30:01 - 2026-08-19 11:30:02
Unknown

I'm just going to need to read through the script

2026-08-19 11:30:02 - 2026-08-19 11:30:04
Unknown

so that you can just give us,

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Unknown

and then we can send.

2026-08-19 11:30:05 - 2026-08-19 11:30:06
Unknown

So if ever you have online banking, we are just using this as a secure process, which is called Open Banking.

2026-08-19 11:30:07 - 2026-08-19 11:30:13
Unknown

This basically just helps you to supply information for your affordability check.

2026-08-19 11:30:13 - 2026-08-19 11:30:17
Unknown

It is via direct one-time access with your bank who will share the required information with Avlo rather than you manually providing us copies of your statements.

2026-08-19 11:30:18 - 2026-08-19 11:30:26
Unknown

So you are going to receive two SMSs and two emails.

2026-08-19 11:30:27 - 2026-08-19 11:30:30
Unknown

You can use either to initially send that through.

2026-08-19 11:30:30 - 2026-08-19 11:30:33
Unknown

So can you please check to see whether it's got there?

2026-08-19 11:30:33 - 2026-08-19 11:30:36
Unknown

I don't have either, but I think it's because I'm not online.

2026-08-19 11:30:42 - 2026-08-19 11:30:45
Unknown

If you just bear with me, I'm moving back to Wi-Fi and I'll have it.

2026-08-19 11:30:45 - 2026-08-19 11:30:48
Unknown

Not a problem.

2026-08-19 11:30:49 - 2026-08-19 11:30:50
Unknown

Even the SMS, not yet, but there are a few exceptions.

2026-08-19 11:30:55 - 2026-08-19 11:31:02
Unknown

Yes, my phone is a bit annoying.

2026-08-19 11:31:10 - 2026-08-19 11:31:12
Unknown

When I'm on a call, I don't get any message, any email.

2026-08-19 11:31:13 - 2026-08-19 11:31:15
Unknown

No, that's okay.

2026-08-19 11:31:17 - 2026-08-19 11:31:18
Unknown

Or would you like me to schedule a call back?

2026-08-19 11:31:18 - 2026-08-19 11:31:20
Unknown

No, no, it'll be fine.

2026-08-19 11:31:20 - 2026-08-19 11:31:22
Unknown

I'll just walk away from the Wi-Fi, that's all.

2026-08-19 11:31:22 - 2026-08-19 11:31:25
Unknown

Okay, no problem.

2026-08-19 11:31:26 - 2026-08-19 11:31:27
Unknown

Just any second.

2026-08-19 11:31:27 - 2026-08-19 11:31:31
Unknown

Yeah, I've got them.

2026-08-19 11:31:34 - 2026-08-19 11:31:35
Unknown

Okay.

2026-08-19 11:31:35 - 2026-08-19 11:31:36
Unknown

All right, so I'll stay on the line.

2026-08-19 11:31:37 - 2026-08-19 11:31:38
Unknown

You'll just confirm when you're done, okay?

2026-08-19 11:31:38 - 2026-08-19 11:31:39
Unknown

Sure.

2026-08-19 11:31:40 - 2026-08-19 11:31:40
Unknown

I need to sign an account first.

2026-08-19 11:31:43 - 2026-08-19 11:31:45
Unknown

Yeah, I think one of them is done.

2026-08-19 11:32:19 - 2026-08-19 11:32:21
Unknown

All right.

2026-08-19 11:32:23 - 2026-08-19 11:32:23
Unknown

It should reflect to my side within a few seconds.

2026-08-19 11:32:23 - 2026-08-19 11:32:26
Unknown

I'll do the second one now.

2026-08-19 11:32:35 - 2026-08-19 11:32:36
Unknown

It's asking me to create an account again.

2026-08-19 11:32:37 - 2026-08-19 11:32:51
Unknown

You're going to use the same password.

2026-08-19 11:32:55 - 2026-08-19 11:32:56
Unknown

Okay, I think I have.

2026-08-19 11:32:57 - 2026-08-19 11:32:59
Unknown

Yeah, I'll turn that.

2026-08-19 11:33:00 - 2026-08-19 11:33:03
Unknown

second one is done now all right then perfect so it should reflect on my start within a couple of

2026-08-19 11:33:42 - 2026-08-19 11:33:48
Unknown

seconds let me just refresh my system so uh meanwhile i'm still waiting for that um that

2026-08-19 11:33:48 - 2026-08-19 11:33:54
Unknown

to be uploaded could you please confirm should we have any products or services that we would

2026-08-19 11:33:54 - 2026-08-19 11:33:58
Unknown

like to offer you how can we send them through so it could either be through email sms phone

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Unknown

calls or even through post to which one i email

2026-08-19 11:34:04 - 2026-08-19 11:34:06
Unknown

email

2026-08-19 11:34:06 - 2026-08-19 11:34:06
Unknown

Email is okay.

2026-08-19 11:34:07 - 2026-08-19 11:34:07
Unknown

Email is fine.

2026-08-19 11:34:08 - 2026-08-19 11:34:09
Unknown

And then from time to time, we also work with selected partners in the financial sector

2026-08-19 11:34:09 - 2026-08-19 11:34:14
Unknown

that also offers personal loan offers, but we don't give out your information without

2026-08-19 11:34:14 - 2026-08-19 11:34:19
Unknown

your consent.

2026-08-19 11:34:19 - 2026-08-19 11:34:19
Unknown

So would you be happy for us to share your details with them?

2026-08-19 11:34:20 - 2026-08-19 11:34:22
Unknown

No, no, thank you.

2026-08-19 11:34:22 - 2026-08-19 11:34:23
Unknown

Not a problem.

2026-08-19 11:34:25 - 2026-08-19 11:34:26
Unknown

It's totally optional and it won't affect your loan application.

2026-08-19 11:34:26 - 2026-08-19 11:34:29
Unknown

I'm just going to try and see if I can open up all statements.

2026-08-19 11:34:29 - 2026-08-19 11:34:33
Unknown

All right, then.

2026-08-19 11:34:36 - 2026-08-19 11:34:37
Unknown

Perfect.

2026-08-19 11:34:37 - 2026-08-19 11:34:38
Unknown

I do have all of them.

2026-08-19 11:34:38 - 2026-08-19 11:34:40
Unknown

I'm just going to need to place you in a brief hold and I'll quickly just review your accounts.

2026-08-19 11:34:40 - 2026-08-19 11:34:43
Unknown

Is that okay?

2026-08-19 11:34:43 - 2026-08-19 11:34:44
Unknown

Sure.

2026-08-19 11:34:44 - 2026-08-19 11:34:44
Unknown

No problem.

2026-08-19 11:34:44 - 2026-08-19 11:34:45
Unknown

Thank you.

2026-08-19 11:34:45 - 2026-08-19 11:34:46
Unknown

Thank you.

2026-08-19 11:34:46 - 2026-08-19 11:34:47
Unknown

you so much for your patience hi this is for with me that's okay thank you so much for staying on

2026-08-19 11:36:26 - 2026-08-19 11:36:32
Unknown

the line um so on your nationwide account as well as your let me just double check here on your

2026-08-19 11:36:32 - 2026-08-19 11:36:39
Unknown

account i'm identifying an additional account that is under your name which account could that

2026-08-19 11:36:39 - 2026-08-19 11:36:44
Unknown

possibly i think it's starling yeah i have starling i just use it for day-to-day spending

2026-08-19 11:36:44 - 2026-08-19 11:36:49
Unknown

i can share that one as well if you would like send me a link okay not a problem let me quickly

2026-08-19 11:36:49 - 2026-08-19 11:36:54
Unknown

just send it through just a moment okay i've just sent you the link can you please check

2026-08-19 11:36:54 - 2026-08-19 11:36:59
Unknown

all right one moment all right

2026-08-19 11:36:59 - 2026-08-19 11:37:02
Unknown

Yeah.

2026-08-19 11:37:07 - 2026-08-19 11:37:07
Unknown

I'm on it.

2026-08-19 11:37:09 - 2026-08-19 11:37:09
Unknown

Okay, not a problem.

2026-08-19 11:37:10 - 2026-08-19 11:37:11
Unknown

I'll stay on the line.

2026-08-19 11:37:12 - 2026-08-19 11:37:12
Unknown

Thank you.

2026-08-19 11:37:13 - 2026-08-19 11:37:13
Unknown

Yeah, could be going through for you.

2026-08-19 11:37:39 - 2026-08-19 11:37:42
Unknown

Okay.

2026-08-19 11:37:44 - 2026-08-19 11:37:45
Unknown

Yeah, it's being processed, I think.

2026-08-19 11:37:45 - 2026-08-19 11:37:59
Unknown

Okay, not a problem.

2026-08-19 11:38:00 - 2026-08-19 11:38:01
Unknown

Let me just refresh my system.

2026-08-19 11:38:01 - 2026-08-19 11:38:03
Unknown

So, meanwhile, I'm still waiting for the stalling.

2026-08-19 11:38:04 - 2026-08-19 11:38:06
Unknown

account to be uploaded. On your

2026-08-19 11:38:07 - 2026-08-19 11:38:08
Unknown

NetWiz bank account,

2026-08-19 11:38:08 - 2026-08-19 11:38:10
Unknown

the description for your salary is

2026-08-19 11:38:10 - 2026-08-19 11:38:12
Unknown

the TLC Solutions LTD,

2026-08-19 11:38:12 - 2026-08-19 11:38:14
Unknown

right? Yes.

2026-08-19 11:38:14 - 2026-08-19 11:38:15
Unknown

And then how often do you get paid?

2026-08-19 11:38:16 - 2026-08-19 11:38:18
Unknown

Because I'm seeing small portions

2026-08-19 11:38:18 - 2026-08-19 11:38:20
Unknown

and quite high portions.

2026-08-19 11:38:20 - 2026-08-19 11:38:22
Behnam

Yeah, it's sometimes

2026-08-19 11:38:23 - 2026-08-19 11:38:24
Behnam

a lot, sometimes a little. It's spread out.

2026-08-19 11:38:24 - 2026-08-19 11:38:26
Behnam

We're not very organized with

2026-08-19 11:38:26 - 2026-08-19 11:38:27
Behnam

the business, but

2026-08-19 11:38:27 - 2026-08-19 11:38:29
Behnam

overall it should add

2026-08-19 11:38:31 - 2026-08-19 11:38:32
Unknown

up to a good amount.

2026-08-19 11:38:32 - 2026-08-19 11:38:34
Unknown

Okay.

2026-08-19 11:38:36 - 2026-08-19 11:38:36
Unknown

It's not a regular amount.

2026-08-19 11:38:37 - 2026-08-19 11:38:37
Unknown

So the small

2026-08-19 11:38:39 - 2026-08-19 11:38:40
Unknown

portions that you normally

2026-08-19 11:38:40 - 2026-08-19 11:38:42
Unknown

receive, could those be advance payments

2026-08-19 11:38:42 - 2026-08-19 11:38:44
Unknown

or do they just pay you out?

2026-08-19 11:38:44 - 2026-08-19 11:38:46
Behnam

They just pay me out.

2026-08-19 11:38:46 - 2026-08-19 11:38:47
Behnam

Usually a minimum of £600

2026-08-19 11:38:48 - 2026-08-19 11:38:50
Behnam

per week and then occasionally

2026-08-19 11:38:50 - 2026-08-19 11:38:51
Behnam

bigger amounts.

2026-08-19 11:38:51 - 2026-08-19 11:38:52
Unknown

Because I'm seeing payments of

2026-08-19 11:38:54 - 2026-08-19 11:38:55
Unknown

£100, £250,

2026-08-19 11:38:55 - 2026-08-19 11:38:58
Unknown

then £100, £100.

2026-08-19 11:38:58 - 2026-08-19 11:38:59
Behnam

Yes, they are a bit piecemeal.

2026-08-19 11:38:59 - 2026-08-19 11:39:01
Behnam

But overall

2026-08-19 11:39:02 - 2026-08-19 11:39:03
Behnam

they are for the amount

2026-08-19 11:39:03 - 2026-08-19 11:39:06
Behnam

of this.

2026-08-19 11:39:06 - 2026-08-19 11:39:06
Unknown

amount that I quoted for the year, if not more, maybe some advance.

2026-08-19 11:39:07 - 2026-08-19 11:39:13
Unknown

Okay, so all these payments reflecting under your salary or that you receive from TLC,

2026-08-19 11:39:14 - 2026-08-19 11:39:20
Unknown

it is income, not advance payment?

2026-08-19 11:39:20 - 2026-08-19 11:39:22
Unknown

Yes, that's right.

2026-08-19 11:39:22 - 2026-08-19 11:39:23
Unknown

It's my income, anything from TLC Solutions.

2026-08-19 11:39:23 - 2026-08-19 11:39:25
Unknown

I haven't done my accounts for this year yet, so I couldn't say the exact figure, but I

2026-08-19 11:39:25 - 2026-08-19 11:39:31
Unknown

based it on previous financial, yeah.

2026-08-19 11:39:31 - 2026-08-19 11:39:34
Unknown

Not a problem.

2026-08-19 11:39:39 - 2026-08-19 11:39:42
Unknown

Thank you so much for clarifying that with me.

2026-08-19 11:39:42 - 2026-08-19 11:39:44
Unknown

I'm just going to see if I can open the Starling account as well.

2026-08-19 11:39:45 - 2026-08-19 11:39:48
Unknown

Just a moment.

2026-08-19 11:39:48 - 2026-08-19 11:39:49
Unknown

Okay, I do have the Starling account.

2026-08-19 11:39:50 - 2026-08-19 11:40:04
Unknown

Just a moment, please.

2026-08-19 11:40:04 - 2026-08-19 11:40:05
Unknown

Just going to see if I can open up all of them.

2026-08-19 11:40:08 - 2026-08-19 11:40:11
Unknown

Please do excuse my silence.

2026-08-19 11:40:34 - 2026-08-19 11:40:35
Unknown

I am so with you.

2026-08-19 11:40:35 - 2026-08-19 11:40:36
Unknown

No, no, it's fine.

2026-08-19 11:40:36 - 2026-08-19 11:40:37
Unknown

Don't worry.

2026-08-19 11:40:37 - 2026-08-19 11:40:38
Unknown

Thank you.

2026-08-19 11:40:38 - 2026-08-19 11:40:39
Unknown

All right.

2026-08-19 11:40:40 - 2026-08-19 11:41:02
Unknown

Thank you so much for staying on the line.

2026-08-19 11:41:02 - 2026-08-19 11:41:05
Unknown

I just wanted to clarify a description.

2026-08-19 11:41:05 - 2026-08-19 11:41:06
Unknown

for me. So on your NetWaste

2026-08-19 11:41:07 - 2026-08-19 11:41:08
Unknown

account, there's a description

2026-08-19 11:41:08 - 2026-08-19 11:41:10
Unknown

here. It's actually found going

2026-08-19 11:41:10 - 2026-08-19 11:41:12
Unknown

out from your NetWaste account.

2026-08-19 11:41:12 - 2026-08-19 11:41:14
Unknown

I'm not sure to where, but the

2026-08-19 11:41:14 - 2026-08-19 11:41:16
Unknown

description shows as

2026-08-19 11:41:16 - 2026-08-19 11:41:17
Unknown

Burnham, and then it's

2026-08-19 11:41:18 - 2026-08-19 11:41:19
Unknown

RuffRuff Burnham.

2026-08-19 11:41:19 - 2026-08-19 11:41:21
Unknown

It must be to one of my other

2026-08-19 11:41:22 - 2026-08-19 11:41:24
Unknown

accounts. Okay, so it's

2026-08-19 11:41:24 - 2026-08-19 11:41:28
Unknown

not actually showing on the other

2026-08-19 11:41:28 - 2026-08-19 11:41:30
Unknown

accounts.

2026-08-19 11:41:30 - 2026-08-19 11:41:30
Unknown

Do you know the date? I can have a quick look.

2026-08-19 11:41:31 - 2026-08-19 11:41:34
Unknown

That was on

2026-08-19 11:41:34 - 2026-08-19 11:41:36
Unknown

the 17th of August.

2026-08-19 11:41:36 - 2026-08-19 11:41:38
Unknown

17th of August.

2026-08-19 11:41:39 - 2026-08-19 11:41:40
Unknown

It was £100.

2026-08-19 11:41:40 - 2026-08-19 11:41:42
Unknown

17th of August.

2026-08-19 11:41:53 - 2026-08-19 11:41:55
Unknown

It was

2026-08-19 11:41:55 - 2026-08-19 11:41:57
Unknown

a transfer of

2026-08-19 11:41:57 - 2026-08-19 11:41:59
Unknown

£100. I think that

2026-08-19 11:41:59 - 2026-08-19 11:42:03
Unknown

was to my wife's account. That one was

2026-08-19 11:42:03 - 2026-08-19 11:42:05
Unknown

to my wife's account.

2026-08-19 11:42:05 - 2026-08-19 11:42:06
Behnam

I don't know why it's my name.

2026-08-19 11:42:07 - 2026-08-19 11:42:08
Behnam

It shouldn't be my name, unless it's a reference.

2026-08-19 11:42:09 - 2026-08-19 11:42:12
Behnam

But no, it looks like.

2026-08-19 11:42:12 - 2026-08-19 11:42:13
Unknown

Okay, and then there's another description that it's still on your NetWaste account.

2026-08-19 11:42:15 - 2026-08-19 11:42:21
Unknown

It's TLC Solution LTD, and then it has your first name and last name.

2026-08-19 11:42:21 - 2026-08-19 11:42:25
Unknown

That was on the 3rd of August.

2026-08-19 11:42:26 - 2026-08-19 11:42:28
Behnam

Let me see.

2026-08-19 11:42:29 - 2026-08-19 11:42:30
Behnam

I lent some money to their company, and I received it back in cash.

2026-08-19 11:42:30 - 2026-08-19 11:42:35
Unknown

So you lent that to the company, or did the company lend that to you?

2026-08-19 11:42:35 - 2026-08-19 11:42:40
Behnam

I lent it to the company, and I received it back in cash.

2026-08-19 11:42:40 - 2026-08-19 11:42:43
Unknown

All right, not a problem then.

2026-08-19 11:42:44 - 2026-08-19 11:42:45
Unknown

Thank you so much for clarifying that with me.

2026-08-19 11:42:45 - 2026-08-19 11:42:47
Unknown

I'm just going to place you on hold once again, okay?

2026-08-19 11:42:48 - 2026-08-19 11:42:50
Unknown

No problem, of course.

2026-08-19 11:42:50 - 2026-08-19 11:42:51
Unknown

Thank you.

2026-08-19 11:42:52 - 2026-08-19 11:42:52
Unknown

Thank you.

2026-08-19 11:49:08 - 2026-08-19 11:49:09
Unknown

Thank you so, so much for your patience.

2026-08-19 11:50:10 - 2026-08-19 11:50:12
Unknown

Hi there, so are you still with me?

2026-08-19 11:50:12 - 2026-08-19 11:50:13
Behnam

That's fine, no problem at all.

2026-08-19 11:50:13 - 2026-08-19 11:50:15
Unknown

Thank you so much for staying on the line.

2026-08-19 11:50:16 - 2026-08-19 11:50:17
Unknown

So I'm still going through your bank statements, right?

2026-08-19 11:50:18 - 2026-08-19 11:50:21
Unknown

Okay.

2026-08-19 11:50:22 - 2026-08-19 11:50:22
Unknown

On your nationwide account, I just want you to clarify something for me.

2026-08-19 11:50:22 - 2026-08-19 11:50:26
Unknown

So on a monthly basis, on your nationwide account, there is 1,200 that is coming in.

2026-08-19 11:50:26 - 2026-08-19 11:50:32
Unknown

Could that be possibly from one of the accounts?

2026-08-19 11:50:32 - 2026-08-19 11:50:34
Unknown

1,200 coming in or out?

2026-08-19 11:50:35 - 2026-08-19 11:50:38
Unknown

In, it's coming in.

2026-08-19 11:50:39 - 2026-08-19 11:50:40
Unknown

The description that I'm seeing here, it is returned standing order B&S Ruff Ruff.

2026-08-19 11:50:40 - 2026-08-19 11:50:46
Behnam

Ah, yes, it should be.

2026-08-19 11:50:46 - 2026-08-19 11:50:48
Behnam

It was supposed to be a payment to the joint account, the Santander one that you can see.

2026-08-19 11:50:48 - 2026-08-19 11:50:54
Behnam

Okay.

2026-08-19 11:50:55 - 2026-08-19 11:50:55
Behnam

But the standing order, I haven't used it.

2026-08-19 11:50:55 - 2026-08-19 11:50:58
Behnam

I just paid in manually.

2026-08-19 11:50:59 - 2026-08-19 11:51:00
Unknown

So this would be a corresponding outward transaction and then the return.

2026-08-19 11:51:01 - 2026-08-19 11:51:06
Unknown

turn of the inward transaction and I usually

2026-08-19 11:51:07 - 2026-08-19 11:51:08
Unknown

did it a day or two later

2026-08-19 11:51:08 - 2026-08-19 11:51:10
Unknown

manually. Okay.

2026-08-19 11:51:10 - 2026-08-19 11:51:11
Unknown

Alright, I can see it as well on

2026-08-19 11:51:12 - 2026-08-19 11:51:14
Unknown

the outgoings as well.

2026-08-19 11:51:14 - 2026-08-19 11:51:16
Unknown

And then there's another

2026-08-19 11:51:16 - 2026-08-19 11:51:18
Unknown

income still on the nationwide.

2026-08-19 11:51:18 - 2026-08-19 11:51:20
Unknown

It is $460. It also shows

2026-08-19 11:51:20 - 2026-08-19 11:51:22
Unknown

return standing order and then it has

2026-08-19 11:51:22 - 2026-08-19 11:51:24
Unknown

been rough, rough. Could that also

2026-08-19 11:51:24 - 2026-08-19 11:51:26
Unknown

be the same thing happening?

2026-08-19 11:51:26 - 2026-08-19 11:51:28
Unknown

Yeah, it's the same thing happening there.

2026-08-19 11:51:28 - 2026-08-19 11:51:30
Unknown

Yeah, they cancelled each other out.

2026-08-19 11:51:30 - 2026-08-19 11:51:32
Unknown

I should have cancelled them a long time ago

2026-08-19 11:51:32 - 2026-08-19 11:51:34
Unknown

as far as using the account

2026-08-19 11:51:35 - 2026-08-19 11:51:36
Unknown

that way and I left them standing

2026-08-19 11:51:36 - 2026-08-19 11:51:38
Unknown

order in place without the funds.

2026-08-19 11:51:38 - 2026-08-19 11:51:40
Unknown

It was very stupid of me, but

2026-08-19 11:51:40 - 2026-08-19 11:51:42
Unknown

yeah, they should cancel each other out.

2026-08-19 11:51:42 - 2026-08-19 11:51:44
Unknown

Alright, then. Thank you so much

2026-08-19 11:51:46 - 2026-08-19 11:51:48
Unknown

for clarifying that for me.

2026-08-19 11:51:48 - 2026-08-19 11:51:49
Unknown

I'm just going to open up the affordability

2026-08-19 11:51:50 - 2026-08-19 11:51:51
Unknown

screen so that I can just capture

2026-08-19 11:51:51 - 2026-08-19 11:51:54
Unknown

everything manually. Just a moment,

2026-08-19 11:51:54 - 2026-08-19 11:51:55
Unknown

please. No problem. Alright, so

2026-08-19 11:51:56 - 2026-08-19 11:52:01
Unknown

the average that I've calculated for your salary

2026-08-19 11:52:01 - 2026-08-19 11:52:03
Unknown

is around $4,683.

2026-08-19 11:52:03 - 2026-08-19 11:52:06
Unknown

pounds and 33 pence. Can I use that

2026-08-19 11:52:07 - 2026-08-19 11:52:08
Unknown

as your main income? Yeah, by all means.

2026-08-19 11:52:08 - 2026-08-19 11:52:10
Unknown

I'm just going to have a look here.

2026-08-19 11:52:11 - 2026-08-19 11:52:15
Unknown

And could you please confirm, besides

2026-08-19 11:52:17 - 2026-08-19 11:52:19
Unknown

your main account where your salary comes

2026-08-19 11:52:19 - 2026-08-19 11:52:21
Unknown

into, which is the

2026-08-19 11:52:21 - 2026-08-19 11:52:22
Behnam

net risk,

2026-08-19 11:52:24 - 2026-08-19 11:52:25
Unknown

did you get paid on

2026-08-19 11:52:26 - 2026-08-19 11:52:27
Unknown

another account? No.

2026-08-19 11:52:27 - 2026-08-19 11:52:28
Unknown

Not at all? I don't think so.

2026-08-19 11:52:29 - 2026-08-19 11:52:31
Behnam

I don't think so.

2026-08-19 11:52:31 - 2026-08-19 11:52:32
Behnam

I used to use the nationwide one, but I

2026-08-19 11:52:33 - 2026-08-19 11:52:35
Behnam

think it's more than 12 months since it was

2026-08-19 11:52:35 - 2026-08-19 11:52:37
Behnam

I don't know how far back you look.

2026-08-19 11:52:38 - 2026-08-19 11:52:40
Unknown

Okay, and then I do see that your salary does

2026-08-19 11:52:44 - 2026-08-19 11:52:46
Unknown

actually differ. Could you please

2026-08-19 11:52:46 - 2026-08-19 11:52:47
Unknown

confirm, does it depend on the

2026-08-19 11:52:47 - 2026-08-19 11:52:50
Unknown

overtime? I'm sorry, I just

2026-08-19 11:52:50 - 2026-08-19 11:52:51
Behnam

couldn't hear that for a second. I was

2026-08-19 11:52:52 - 2026-08-19 11:52:53
Behnam

going past, I'm sorry.

2026-08-19 11:52:53 - 2026-08-19 11:52:55
Unknown

Can you hear me now? Yes, yeah, it's fine now.

2026-08-19 11:52:55 - 2026-08-19 11:52:58
Unknown

Alright, so I do see that

2026-08-19 11:52:59 - 2026-08-19 11:53:00
Unknown

your salary does actually fluctuate.

2026-08-19 11:53:00 - 2026-08-19 11:53:02
Unknown

What can I write on the

2026-08-19 11:53:02 - 2026-08-19 11:53:03
Unknown

application? Does it depend on the hours

2026-08-19 11:53:03 - 2026-08-19 11:53:06
Unknown

that you work?

2026-08-19 11:53:06 - 2026-08-19 11:53:06
Unknown

or is it because of overtime?

2026-08-19 11:53:07 - 2026-08-19 11:53:08
Unknown

Overtime, yeah.

2026-08-19 11:53:09 - 2026-08-19 11:53:10
Unknown

Security overtime.

2026-08-19 11:53:11 - 2026-08-19 11:53:12
Unknown

Okay.

2026-08-19 11:53:12 - 2026-08-19 11:53:13
Unknown

And then on the joint account,

2026-08-19 11:53:13 - 2026-08-19 11:53:15
Unknown

I do see that you guys also received child benefit.

2026-08-19 11:53:15 - 2026-08-19 11:53:18
Unknown

Does that come into your account?

2026-08-19 11:53:18 - 2026-08-19 11:53:20
Unknown

Do you receive it or does it?

2026-08-19 11:53:20 - 2026-08-19 11:53:21
Unknown

It's a joint account.

2026-08-19 11:53:22 - 2026-08-19 11:53:23
Unknown

We receive it jointly,

2026-08-19 11:53:23 - 2026-08-19 11:53:25
Unknown

so you could call half of it my income.

2026-08-19 11:53:25 - 2026-08-19 11:53:26
Unknown

Yes.

2026-08-19 11:53:27 - 2026-08-19 11:53:27
Unknown

So I can put half?

2026-08-19 11:53:29 - 2026-08-19 11:53:30
Unknown

Yeah, it makes sense.

2026-08-19 11:53:31 - 2026-08-19 11:53:33
Unknown

Okay.

2026-08-19 11:53:34 - 2026-08-19 11:53:34
Unknown

So it's 108 pounds and 20 pence.

2026-08-19 11:53:34 - 2026-08-19 11:53:40
Unknown

If I divide that by two, it is 51 pounds and 10 pence.

2026-08-19 11:53:40 - 2026-08-19 11:53:44
Unknown

So can I add that as one of your...

2026-08-19 11:53:44 - 2026-08-19 11:53:46
Unknown

Yes, I usually never think about it,

2026-08-19 11:53:46 - 2026-08-19 11:53:48
Unknown

but you can, of course.

2026-08-19 11:53:48 - 2026-08-19 11:53:49
Unknown

All right, not a problem.

2026-08-19 11:53:50 - 2026-08-19 11:53:52
Unknown

So I'll also add the other 54 pounds and 10 pence

2026-08-19 11:53:52 - 2026-08-19 11:53:56
Unknown

for what your wife also received.

2026-08-19 11:53:56 - 2026-08-19 11:53:57
Unknown

And then could you please confirm,

2026-08-19 11:53:58 - 2026-08-19 11:54:00
Unknown

besides your main salary and the benefit,

2026-08-19 11:54:00 - 2026-08-19 11:54:02
Unknown

is there anything that you receive?

2026-08-19 11:54:02 - 2026-08-19 11:54:04
Unknown

Or any additional income or benefit?

2026-08-19 11:54:04 - 2026-08-19 11:54:06
Unknown

No.

2026-08-19 11:54:06 - 2026-08-19 11:54:06
Unknown

No.

2026-08-19 11:54:07 - 2026-08-19 11:54:07
Unknown

All right.

2026-08-19 11:54:08 - 2026-08-19 11:54:08
Unknown

I mean, does your partner contribute towards the household?

2026-08-19 11:54:08 - 2026-08-19 11:54:11
Behnam

She does.

2026-08-19 11:54:11 - 2026-08-19 11:54:12
Unknown

All right.

2026-08-19 11:54:13 - 2026-08-19 11:54:13
Unknown

Can I have an approximate amount or an estimated amount that you think your partner gets on a monthly basis off the tip?

2026-08-19 11:54:13 - 2026-08-19 11:54:19
Behnam

I think she pays around £2,000 towards the household bills and mortgage and everything.

2026-08-19 11:54:19 - 2026-08-19 11:54:24
Unknown

The overall amount, should I say, is £2,000 that she receives?

2026-08-19 11:54:26 - 2026-08-19 11:54:29
Unknown

Yes.

2026-08-19 11:54:29 - 2026-08-19 11:54:29
Behnam

She receives or she pays towards the house, sorry.

2026-08-19 11:54:29 - 2026-08-19 11:54:33
Behnam

What was the question?

2026-08-19 11:54:35 - 2026-08-19 11:54:36
Behnam

Was it the income or her contribution?

2026-08-19 11:54:36 - 2026-08-19 11:54:38
Unknown

Her income.

2026-08-19 11:54:39 - 2026-08-19 11:54:39
Unknown

Her income, sorry.

2026-08-19 11:54:39 - 2026-08-19 11:54:40
Unknown

I'm sorry, monthly, after tax, yes.

2026-08-19 11:54:41 - 2026-08-19 11:54:42
Behnam

I don't know the income after tax, but I know her annual salary is £56,000.

2026-08-19 11:54:43 - 2026-08-19 11:54:47
Unknown

Is that after tax?

2026-08-19 11:54:49 - 2026-08-19 11:54:50
Behnam

Before tax.

2026-08-19 11:54:50 - 2026-08-19 11:54:52
Unknown

Can you give me an estimated amount that you think she gets on a monthly basis?

2026-08-19 11:54:53 - 2026-08-19 11:54:56
Unknown

Yeah, just bear with me.

2026-08-19 11:54:56 - 2026-08-19 11:54:57
Unknown

I'll just...

2026-08-19 11:54:57 - 2026-08-19 11:54:58
Behnam

Calculating, it should be around 4,670.

2026-08-19 11:55:24 - 2026-08-19 11:55:29
Behnam

Sorry, sorry, sorry.

2026-08-19 11:55:30 - 2026-08-19 11:55:32
Behnam

No, no, no, sorry.

2026-08-19 11:55:32 - 2026-08-19 11:55:33
Behnam

That's gross.

2026-08-19 11:55:33 - 2026-08-19 11:55:33
Behnam

3,636.

2026-08-19 11:55:33 - 2026-08-19 11:55:35
Unknown

Okay.

2026-08-19 11:55:37 - 2026-08-19 11:55:38
Unknown

Approximately 3,600.

2026-08-19 11:55:38 - 2026-08-19 11:55:40
Unknown

And then there is the child benefit of 54 pounds in 10 years.

2026-08-19 11:55:41 - 2026-08-19 11:55:45
Unknown

Yeah, yeah.

2026-08-19 11:55:45 - 2026-08-19 11:55:45
Unknown

Right.

2026-08-19 11:55:46 - 2026-08-19 11:55:47
Unknown

And then is there any additional income or any other benefits that you receive?

2026-08-19 11:55:47 - 2026-08-19 11:55:50
Unknown

No.

2026-08-19 11:55:50 - 2026-08-19 11:55:51
Unknown

All right, then.

2026-08-19 11:55:51 - 2026-08-19 11:55:53
Unknown

Perfect.

2026-08-19 11:55:53 - 2026-08-19 11:55:54
Unknown

Perfect.

2026-08-19 11:55:54 - 2026-08-19 11:55:54
Unknown

Just a moment.

2026-08-19 11:55:54 - 2026-08-19 11:55:55
Unknown

And then on the statements, do you see that the mortgage payment is around 1,687 pounds and 37 pence?

2026-08-19 11:55:57 - 2026-08-19 11:56:05
Unknown

Yeah.

2026-08-19 11:56:05 - 2026-08-19 11:56:05
Unknown

That is the exact.

2026-08-19 11:56:06 - 2026-08-19 11:56:06
Unknown

amount right yes however you contribute 800 you mentioned yes yes okay just get this saved

2026-08-19 11:56:07 - 2026-08-19 11:56:17
Unknown

all right thank you so much for clarifying that for me so um as part of our customer

2026-08-19 11:56:17 - 2026-08-19 11:56:22
Unknown

due diligence requirements there is just a few items that we need this is simply just for your

2026-08-19 11:56:22 - 2026-08-19 11:56:27
Unknown

identity verification what i'll be doing is i will be sending you an email but you're not going

2026-08-19 11:56:27 - 2026-08-19 11:56:32
Unknown

to receive it immediately however as soon as you get that email we do need you to attach your

2026-08-19 11:56:32 - 2026-08-19 11:56:38
Unknown

original photographic id that could either be your passport or driver's license and then we

2026-08-19 11:56:38 - 2026-08-19 11:56:45
Unknown

just need a selfie of you holding your id so um as per information and documents you have provided

2026-08-19 11:56:45 - 2026-08-19 11:56:52
Unknown

to us um the loan is conditionally approved what i'll be doing is i'm just going to reach out to

2026-08-19 11:56:52 - 2026-08-19 11:56:57
Unknown

the branch just for a few seconds um get a customer account manager to process the application

2026-08-19 11:56:57 - 2026-08-19 11:57:01
Unknown

do you mind staying on the line while i reach out to them that's fine that's fine thank you

2026-08-19 11:57:01 - 2026-08-19 11:57:06
Unknown

Hi, thank you so much for your patience.

2026-08-19 11:58:17 - 2026-08-19 11:58:19
Unknown

Are you still with me?

2026-08-19 11:58:19 - 2026-08-19 11:58:19
Unknown

That's okay.

2026-08-19 11:58:19 - 2026-08-19 11:58:20
Unknown

All right.

2026-08-19 11:58:21 - 2026-08-19 11:58:21
Unknown

So it does seem like they are just having a call to you on the end,

2026-08-19 11:58:21 - 2026-08-19 11:58:24
Unknown

just assisting other customers as well.

2026-08-19 11:58:25 - 2026-08-19 11:58:27
Unknown

What I'll be doing is I'll assign your application to one of them,

2026-08-19 11:58:27 - 2026-08-19 11:58:31
Unknown

so they should contact you within 24 hours to initially finalize everything.

2026-08-19 11:58:31 - 2026-08-19 11:58:35
Unknown

However, we do aim to give you a call back as soon as possible, okay?

2026-08-19 11:58:35 - 2026-08-19 11:58:38
Unknown

No problem.

2026-08-19 11:58:39 - 2026-08-19 11:58:39
Unknown

That's fine.

2026-08-19 11:58:39 - 2026-08-19 11:58:40
Unknown

That's brilliant.

2026-08-19 11:58:40 - 2026-08-19 11:58:40
Unknown

Thank you.

2026-08-19 11:58:41 - 2026-08-19 11:58:41
Unknown

Thank you so much for your time and patience.

2026-08-19 11:58:42 - 2026-08-19 11:58:44
Unknown

No, thank you.

2026-08-19 11:58:44 - 2026-08-19 11:58:45
Unknown

Did you maybe have any additional questions?

2026-08-19 11:58:45 - 2026-08-19 11:58:46
Unknown

Not at the moment, no.

2026-08-19 11:58:47 - 2026-08-19 11:58:48
Unknown

That's perfect.

2026-08-19 11:58:48 - 2026-08-19 11:58:49
Unknown

Thank you.

2026-08-19 11:58:49 - 2026-08-19 11:58:49
Unknown

Thank you so much for your time.

2026-08-19 11:58:50 - 2026-08-19 11:58:51
Unknown

Goodbye.

2026-08-19 11:58:51 - 2026-08-19 11:58:51
Unknown

Bye-bye.

2026-08-19 11:58:52 - 2026-08-19 11:58:52

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Segment 439