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I had a I've had a look over the claim forms that you sent me, and I was just wanting to have a chat with you. So if you had time now? Perfect. Well, before I jump into it, I do need to let you know our call is recorded. And if I could just get you confirmed security for me, just full name, date of birth, and address. Perfect. Okay. So I've had a look through the forms, and I noticed a couple of things that I need to point out and possibly get us to fix up before I send them through to Hub twenty four. We did make a little mistake, and that's okay. So on what would basically be, I guess, like, the siding page for you, it's it's the the the form that says, like, the declaration and signature. You've actually put the eighth of the fifth, and I know that that sounds like a really nitpicky point. No. We're in the fourth month or in April. It's okay. It's easy enough to make a mistake like that. So we just need to, yeah, get that amended. So if you can just, like, cross out the fifth, write the fourth and and initial, that will cover that off and then take a photo and send it through to me. Yeah. So I I need I need you to just, you know, correct it and then just take a photo of that page and send it through. The other thing, like, the the the documents all filled out nicely, like, like, like, you know, it's got the stack deck done, which is perfect. The page that has your fortnightly income, the section two page came through really blurry. So if you're able to take another photo of that page and send it through, that would be great. And then the one thing I noticed was the details of your expenses. I like, you obviously have all your expenses listed, but are there any overdue payments that you have that are pending? Like, is there any rent that you haven't paid or electricity you haven't paid, a phone bill you haven't paid, a rego that you need to pay, anything like that that's not listed on like, that you have as a perfect. Can you write that down that you have the electricity expense of a $160? Because that's all evidence that helps us like, helps with the claim. And and it needs to because the whilst I can see that your expenses are higher than what your income is, the, like, the super fund can see that as you, I guess, living outside of your means and just, like, them giving you an injection of cash is not going to resolve the issue. So what what the money is realistically there for is to help when, you know, when there are overdue expenses. So us showing them overdue expenses is what we realistically need to do. Okay. If you have that bill, can you send me the bill as well showing showing the amount that's unpaid or, you know, even if it's all of it, whichever way? That's okay. You can just take a screenshot of that and send that through. That's absolutely fine. If it's just on an app, that makes it easier anyway for for you. You can just, yeah, screenshot the the overdue amount, the part that's due, and send that through. Is there anything else that you have unpaid as well, phone bills or Internet bills or Any other bill that's come through? Okay. Anything that you know that's upcoming? Alright. Do you wanna can you put pop that down as, like, a as a bill that's overdue if you know how much that's gonna be? Because you I'm assuming we have no cash in the bank, so we're not gonna be able to pay for it. Yeah. So that's okay. So if you can pop that down. So just pop in on that d so details of your expenses page where you've got food, $80, rent, running costs, medical costs. If you can pop in on, like, the right hand side, just pop a $160 and then just put water oh, what was it? What was the water? Sorry. Electricity in brackets, and then also pop in whatever your your Internet bill is, the amount. So if it's, you know, $80, whatever the case may be, pop that in and then just put, you know, Internet in brackets next to it as the expenses that are due. And, also, what what do your utilities generally cost you per fortnight? I know that's a really weird one to to sort of say, but, like, your your phone your phone phone and Internet costs, what are they per month? Yep. That's okay. And Internet? Okay. So that would mean that with 25 and 72, roughly, you know, that's, like, 9 90 $97 a month, which equates to sort of, like, $40.40 $48 of yes. $48.50. 90 $7.48 50 per fortnight. So you could pop that in your in your utilities is is that, but also you have water and electricity. So do you know what your last water and electricity bill were? Yep. $52, and I'm assuming that was for the quarter? It times four. That was for the month. Okay. So $3.77 and sorry. What was it? 42? 50 2. 50 2. And fifty two. Cool. So that would be so if we go $3.77 times by four divided by 12 plus our 52 plus our $48.50, that's a $105 in utility bills. And that is your that's your phone, that's the electricity, that's the Internet, and that's water. So if you That's fortnightly. That's what it's costing you to to run the electricity. So under that on like, between the 80 and the $8.80 that you have on that column, if you put in a 100 just put a $101 in there because that's your utilities. That's water, right, electricity, gas, all the rest of the things. That covers that there. And then if you pop in the overdue amount, that's amount payable, you pop in the $160 that's due on the water bill, take a screenshot of the water bill, and send it to me. And then also for the sorry. Electricity bill. I meant elect I meant electricity. Sorry. Sorry. I got myself confused. Yeah. Get the is the water bill paid? Okay. Good. Good. Good. Cool. Yeah. The electricity bill. If you just if you send through what's unpaid on the electricity bill, so we can I can get that we can get that added and just pop in what's due there? That'll cover everything there. Yeah. And then, yeah, if you can take a retake a photo of the pages that you correct, that would be good. And then what I'll do is I'll I'll send everything off. Okay? It takes them generally a week or two to review everything. If they require any additional evidence, they'll come back to us. It it take it takes it takes a week or two for them to actually look it over. It goes to Hub twenty four to the trustee, and they look at it all. The more evidence we can show them on the front end, the quicker the process goes, which is why I always like to have a look over the documents, make sure that they're correct before we just line send them because, otherwise, it's just gonna delay things for you. Whereas, you know, if I just stop and have a look for, you know, half hour to an hour over all the documents you sent, order them and just make sure that we're sort of looking kosher, you know, quick phone call to to straighten out anything that we might have missed, then we can, you know, make sure that we have a a better a better chance of us actually getting everything through. So that's what we need to do there. The other thing that would help is if you can send through a a bank statement just to show the coming ins and going outs on your bank because that just shows you have no money in the bank. That'll be fine. A month, that's totally fine. Because that'll show everything. Because I'm assuming we have nothing in the bank at the moment. Okay. Okay. Yeah. Just send send through that if you if you can download a yeah. Like, a month statement, that'd be fantastic, and that just shows everything there. It'll show the Centrelink statement the Centrelink money going in and all the bills going out. That's okay. So that was when was that? In the last month? Okay. So so she was she was paying a little bit for there for a while? Okay. That's okay. So just in your email, just if you can write that down. Just state that you had a short term border who paid blah per fortnight. That arrangement stays on blah day. Yeah. Yeah. Very much. Yeah. Okay. So she she owes nothing more. She's she's left, and that's that's yeah. Okay. Yeah. Maybe she's gonna share house with more people or something. No? No. People people make silly decisions sometimes, but that's okay. Cool. So that yeah. If you can get those those those new screenshots through and they got a little bit of extra information through to me, I'll package it all up, and I'll send it on to Hub twenty four and get them to start the claim assessment. Okay? Okay. Perfect. I'll leave it with you, and I'll wait for your email. Okay? No. No problems at all. Thanks for the time, Bruce. K. 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Bruce. Larissa here from OQ Financial. How are you going? That's good. I was just giving you a call.\n\nI had a I've had a look over the claim forms that you sent me, and I was just wanting to have a chat with you. So if you had time now? Perfect. Well, before I jump into it, I do need to let you know our call is recorded. And if I could just get you confirmed security for me, just full name, date of birth, and address.\n\nPerfect. Okay. So I've had a look through the forms, and I noticed a couple of things that I need to point out and possibly get us to fix up before I send them through to Hub twenty four. We did make a little mistake, and that's okay. So on what would basically be, I guess, like, the siding page for you, it's it's the the the form that says, like, the declaration and signature.\n\nYou've actually put the eighth of the fifth, and I know that that sounds like a really nitpicky point. No. We're in the fourth month or in April. It's okay. It's easy enough to make a mistake like that.\n\nSo we just need to, yeah, get that amended. So if you can just, like, cross out the fifth, write the fourth and and initial, that will cover that off and then take a photo and send it through to me. Yeah. So I I need I need you to just, you know, correct it and then just take a photo of that page and send it through. The other thing, like, the the the documents all filled out nicely, like, like, like, you know, it's got the stack deck done, which is perfect.\n\nThe page that has your fortnightly income, the section two page came through really blurry. So if you're able to take another photo of that page and send it through, that would be great. And then the one thing I noticed was the details of your expenses. I like, you obviously have all your expenses listed, but are there any overdue payments that you have that are pending? Like, is there any rent that you haven't paid or electricity you haven't paid, a phone bill you haven't paid, a rego that you need to pay, anything like that that's not listed on like, that you have as a perfect.\n\nCan you write that down that you have the electricity expense of a $160? Because that's all evidence that helps us like, helps with the claim. And and it needs to because the whilst I can see that your expenses are higher than what your income is, the, like, the super fund can see that as you, I guess, living outside of your means and just, like, them giving you an injection of cash is not going to resolve the issue. So what what the money is realistically there for is to help when, you know, when there are overdue expenses. So us showing them overdue expenses is what we realistically need to do.\n\nOkay. If you have that bill, can you send me the bill as well showing showing the amount that's unpaid or, you know, even if it's all of it, whichever way? That's okay. You can just take a screenshot of that and send that through. That's absolutely fine.\n\nIf it's just on an app, that makes it easier anyway for for you. You can just, yeah, screenshot the the overdue amount, the part that's due, and send that through. Is there anything else that you have unpaid as well, phone bills or Internet bills or Any other bill that's come through? Okay. Anything that you know that's upcoming?\n\nAlright. Do you wanna can you put pop that down as, like, a as a bill that's overdue if you know how much that's gonna be? Because you I'm assuming we have no cash in the bank, so we're not gonna be able to pay for it. Yeah. So that's okay.\n\nSo if you can pop that down. So just pop in on that d so details of your expenses page where you've got food, $80, rent, running costs, medical costs. If you can pop in on, like, the right hand side, just pop a $160 and then just put water oh, what was it? What was the water? Sorry.\n\nElectricity in brackets, and then also pop in whatever your your Internet bill is, the amount. So if it's, you know, $80, whatever the case may be, pop that in and then just put, you know, Internet in brackets next to it as the expenses that are due. And, also, what what do your utilities generally cost you per fortnight? I know that's a really weird one to to sort of say, but, like, your your phone your phone phone and Internet costs, what are they per month? Yep.\n\nThat's okay. And Internet? Okay. So that would mean that with 25 and 72, roughly, you know, that's, like, 9 90 $97 a month, which equates to sort of, like, $40.40 $48 of yes. $48.50.\n\n90 $7.48 50 per fortnight. So you could pop that in your in your utilities is is that, but also you have water and electricity. So do you know what your last water and electricity bill were? Yep. $52, and I'm assuming that was for the quarter?\n\nIt times four. That was for the month. Okay. So $3.77 and sorry. What was it?\n\n42? 50 2. 50 2. And fifty two. Cool.\n\nSo that would be so if we go $3.77 times by four divided by 12 plus our 52 plus our $48.50, that's a $105 in utility bills. And that is your that's your phone, that's the electricity, that's the Internet, and that's water. So if you That's fortnightly. That's what it's costing you to to run the electricity. So under that on like, between the 80 and the $8.80 that you have on that column, if you put in a 100 just put a $101 in there because that's your utilities.\n\nThat's water, right, electricity, gas, all the rest of the things. That covers that there. And then if you pop in the overdue amount, that's amount payable, you pop in the $160 that's due on the water bill, take a screenshot of the water bill, and send it to me. And then also for the sorry. Electricity bill.\n\nI meant elect I meant electricity. Sorry. Sorry. I got myself confused. Yeah.\n\nGet the is the water bill paid? Okay. Good. Good. Good.\n\nCool. Yeah. The electricity bill. If you just if you send through what's unpaid on the electricity bill, so we can I can get that we can get that added and just pop in what's due there? That'll cover everything there.\n\nYeah. And then, yeah, if you can take a retake a photo of the pages that you correct, that would be good. And then what I'll do is I'll I'll send everything off. Okay? It takes them generally a week or two to review everything.\n\nIf they require any additional evidence, they'll come back to us. It it take it takes it takes a week or two for them to actually look it over. It goes to Hub twenty four to the trustee, and they look at it all. The more evidence we can show them on the front end, the quicker the process goes, which is why I always like to have a look over the documents, make sure that they're correct before we just line send them because, otherwise, it's just gonna delay things for you. Whereas, you know, if I just stop and have a look for, you know, half hour to an hour over all the documents you sent, order them and just make sure that we're sort of looking kosher, you know, quick phone call to to straighten out anything that we might have missed, then we can, you know, make sure that we have a a better a better chance of us actually getting everything through.\n\nSo that's what we need to do there. The other thing that would help is if you can send through a a bank statement just to show the coming ins and going outs on your bank because that just shows you have no money in the bank. That'll be fine. A month, that's totally fine. Because that'll show everything.\n\nBecause I'm assuming we have nothing in the bank at the moment. Okay. Okay. Yeah. Just send send through that if you if you can download a yeah.\n\nLike, a month statement, that'd be fantastic, and that just shows everything there. It'll show the Centrelink statement the Centrelink money going in and all the bills going out. That's okay. So that was when was that? In the last month?\n\nOkay. So so she was she was paying a little bit for there for a while? Okay. That's okay. So just in your email, just if you can write that down.\n\nJust state that you had a short term border who paid blah per fortnight. That arrangement stays on blah day. Yeah. Yeah. Very much.\n\nYeah. Okay. So she she owes nothing more. She's she's left, and that's that's yeah. Okay.\n\nYeah. Maybe she's gonna share house with more people or something. No? No. People people make silly decisions sometimes, but that's okay.\n\nCool. So that yeah. If you can get those those those new screenshots through and they got a little bit of extra information through to me, I'll package it all up, and I'll send it on to Hub twenty four and get them to start the claim assessment. Okay? Okay.\n\nPerfect. I'll leave it with you, and I'll wait for your email. Okay? No. No problems at all.\n\nThanks for the time, Bruce. K. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Bruce.","start":3.84,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.16058573126792908},{"text":"Larissa here from OQ Financial.","start":4.7999997,"end":6.24,"sentiment":"neutral","sentiment_score":0.2082437753677368},{"text":"How are you going?","start":6.24,"end":7.14,"sentiment":"neutral","sentiment_score":0.25059810653328896},{"text":"That's good.","start":9.28,"end":10.179999,"sentiment":"positive","sentiment_score":0.7389560639858246},{"text":"I was just giving you a call.","start":10.48,"end":11.92,"sentiment":"neutral","sentiment_score":0.2730609391416822}],"sentiment":"neutral","sentiment_score":0.28770607337355614,"num_words":20,"start":3.84,"end":11.92},{"sentences":[{"text":"I had a I've had a look over the claim forms that you sent me, and I was just wanting to have a chat with you.","start":11.92,"end":16.875,"sentiment":"neutral","sentiment_score":0.11775060227284065},{"text":"So if you had time now?","start":16.875,"end":18.095,"sentiment":"neutral","sentiment_score":0.039503928273916245},{"text":"Perfect.","start":20.635,"end":21.115,"sentiment":"positive","sentiment_score":0.5113221406936646},{"text":"Well, before I jump into it, I do need to let you know our call is recorded.","start":21.115,"end":23.355,"sentiment":"neutral","sentiment_score":0.08817204986425008},{"text":"And if I could just get you confirmed security for me, just full name, date of birth, and address.","start":23.355,"end":27.454998,"sentiment":"neutral","sentiment_score":0.0832799949536198}],"sentiment":"neutral","sentiment_score":0.09987110320640646,"num_words":69,"start":11.92,"end":27.454998},{"sentences":[{"text":"Perfect.","start":37.84,"end":38.34,"sentiment":"positive","sentiment_score":0.3335251212120056},{"text":"Okay.","start":38.64,"end":39.14,"sentiment":"neutral","sentiment_score":0.1009802222251892},{"text":"So I've had a look through the forms, and I noticed a couple of things that I need to point out and possibly get us to fix up before I send them through to Hub twenty four.","start":39.36,"end":48.495,"sentiment":"neutral","sentiment_score":-0.0796435604224334},{"text":"We did make a little mistake, and that's okay.","start":51.275,"end":53.695,"sentiment":"neutral","sentiment_score":-0.17409149722920525},{"text":"So on what would basically be, I guess, like, the siding page for you, it's it's the the the form that says, like, the declaration and signature.","start":54.875,"end":65.25,"sentiment":"neutral","sentiment_score":-0.018421811914002453}],"sentiment":"neutral","sentiment_score":-0.06102025051911672,"num_words":75,"start":37.84,"end":65.25},{"sentences":[{"text":"You've actually put the eighth of the fifth, and I know that that sounds like a really nitpicky point.","start":65.47,"end":71.825,"sentiment":"neutral","sentiment_score":-0.270918979848686},{"text":"No.","start":74.604996,"end":74.84499,"sentiment":"neutral","sentiment_score":-0.1893213987350464},{"text":"We're in the fourth month or in April.","start":74.84499,"end":76.865,"sentiment":"neutral","sentiment_score":-0.12208639457821846},{"text":"It's okay.","start":80.045,"end":80.685,"sentiment":"neutral","sentiment_score":0.07465479895472527},{"text":"It's easy enough to make a mistake like that.","start":80.685,"end":83.424995,"sentiment":"neutral","sentiment_score":0.010847401701741748}],"sentiment":"neutral","sentiment_score":-0.1555522297246334,"num_words":39,"start":65.47,"end":83.424995},{"sentences":[{"text":"So we just need to, yeah, get that amended.","start":84.950005,"end":87.850006,"sentiment":"neutral","sentiment_score":0.0072157130473189885},{"text":"So if you can just, like, cross out the fifth, write the fourth and and initial, that will cover that off and then take a photo and send it through to me.","start":87.990005,"end":97.53,"sentiment":"neutral","sentiment_score":0.0186375881312415},{"text":"Yeah.","start":100.555,"end":100.795,"sentiment":"neutral","sentiment_score":0.04358064383268356},{"text":"So I I need I need you to just, you know, correct it and then just take a photo of that page and send it through.","start":100.795,"end":105.775,"sentiment":"neutral","sentiment_score":0.049244973521966204},{"text":"The other thing, like, the the the documents all filled out nicely, like, like, like, you know, it's got the stack deck done, which is perfect.","start":105.915,"end":112.415,"sentiment":"positive","sentiment_score":0.364541753839988}],"sentiment":"neutral","sentiment_score":0.12195084886030948,"num_words":94,"start":84.950005,"end":112.415},{"sentences":[{"text":"The page that has your fortnightly income, the section two page came through really blurry.","start":114.15,"end":121.67,"sentiment":"neutral","sentiment_score":-0.2921110729376475},{"text":"So if you're able to take another photo of that page and send it through, that would be great.","start":121.67,"end":126.81,"sentiment":"neutral","sentiment_score":0.17855429668959819},{"text":"And then the one thing I noticed was the details of your expenses.","start":127.895004,"end":131.835,"sentiment":"neutral","sentiment_score":0.004993432416365697},{"text":"I like, you obviously have all your expenses listed, but are there any overdue payments that you have that are pending?","start":133.255,"end":139.095,"sentiment":"neutral","sentiment_score":-0.04497276698904378},{"text":"Like, is there any rent that you haven't paid or electricity you haven't paid, a phone bill you haven't paid, a rego that you need to pay, anything like that that's not listed on like, that you have as a perfect.","start":139.095,"end":156.465,"sentiment":"neutral","sentiment_score":-0.13493008684457802}],"sentiment":"neutral","sentiment_score":-0.06789707800869,"num_words":109,"start":114.15,"end":156.465},{"sentences":[{"text":"Can you write that down that you have the electricity expense of a $160?","start":156.465,"end":161.36499,"sentiment":"neutral","sentiment_score":0.11238697756614004},{"text":"Because that's all evidence that helps us like, helps with the claim.","start":161.745,"end":165.765,"sentiment":"neutral","sentiment_score":0.18386898717532554},{"text":"And and it needs to because the whilst I can see that your expenses are higher than what your income is, the, like, the super fund can see that as you, I guess, living outside of your means and just, like, them giving you an injection of cash is not going to resolve the issue.","start":167.51,"end":186.575,"sentiment":"neutral","sentiment_score":-0.30599254566160117},{"text":"So what what the money is realistically there for is to help when, you know, when there are overdue expenses.","start":186.955,"end":194.655,"sentiment":"neutral","sentiment_score":-0.09675146564841271},{"text":"So us showing them overdue expenses is what we realistically need to do.","start":194.715,"end":199.45999,"sentiment":"neutral","sentiment_score":-0.07862837669941095}],"sentiment":"neutral","sentiment_score":-0.14041177797735782,"num_words":114,"start":156.465,"end":199.45999},{"sentences":[{"text":"Okay.","start":200.24,"end":200.56,"sentiment":"neutral","sentiment_score":0.10805421322584152},{"text":"If you have that bill, can you send me the bill as well showing showing the amount that's unpaid or, you know, even if it's all of it, whichever way?","start":200.56,"end":210.81999,"sentiment":"neutral","sentiment_score":0.061241954130431014},{"text":"That's okay.","start":217.395,"end":217.955,"sentiment":"neutral","sentiment_score":0.170778289437294},{"text":"You can just take a screenshot of that and send that through.","start":217.955,"end":220.435,"sentiment":"neutral","sentiment_score":0.15122710727155209},{"text":"That's absolutely fine.","start":220.435,"end":221.655,"sentiment":"positive","sentiment_score":0.44507042566935223}],"sentiment":"neutral","sentiment_score":0.1132667912558342,"num_words":48,"start":200.24,"end":221.655},{"sentences":[{"text":"If it's just on an app, that makes it easier anyway for for you.","start":221.875,"end":225.255,"sentiment":"neutral","sentiment_score":0.28966120524065836},{"text":"You can just, yeah, screenshot the the overdue amount, the part that's due, and send that through.","start":225.61,"end":230.56999,"sentiment":"neutral","sentiment_score":0.11604445690617841},{"text":"Is there anything else that you have unpaid as well, phone bills or Internet bills or Any other bill that's come through?","start":230.56999,"end":239.245,"sentiment":"neutral","sentiment_score":-0.08055689643052491},{"text":"Okay.","start":241.385,"end":241.885,"sentiment":"neutral","sentiment_score":-0.05230743810534477},{"text":"Anything that you know that's upcoming?","start":242.745,"end":244.36499,"sentiment":"neutral","sentiment_score":-0.05134669256707033}],"sentiment":"neutral","sentiment_score":0.06492288876324892,"num_words":60,"start":221.875,"end":244.36499},{"sentences":[{"text":"Alright.","start":253.56,"end":254.04,"sentiment":"neutral","sentiment_score":0.003931957297027111},{"text":"Do you wanna can you put pop that down as, like, a as a bill that's overdue if you know how much that's gonna be?","start":254.04,"end":260.44,"sentiment":"neutral","sentiment_score":-0.012627640664577484},{"text":"Because you I'm assuming we have no cash in the bank, so we're not gonna be able to pay for it.","start":260.44,"end":264.585,"sentiment":"neutral","sentiment_score":-0.3113003195751281},{"text":"Yeah.","start":265.785,"end":266.185,"sentiment":"neutral","sentiment_score":0.1667962521314621},{"text":"So that's okay.","start":266.185,"end":267.085,"sentiment":"neutral","sentiment_score":0.2915801405906677}],"sentiment":"neutral","sentiment_score":-0.11387311953905166,"num_words":51,"start":253.56,"end":267.085},{"sentences":[{"text":"So if you can pop that down.","start":267.305,"end":268.66498,"sentiment":"positive","sentiment_score":0.3396250775882176},{"text":"So just pop in on that d so details of your expenses page where you've got food, $80, rent, running costs, medical costs.","start":268.66498,"end":278.845,"sentiment":"neutral","sentiment_score":0.15088081878164541},{"text":"If you can pop in on, like, the right hand side, just pop a $160 and then just put water oh, what was it?","start":280.31998,"end":289.59998,"sentiment":"neutral","sentiment_score":0.08019741872946422},{"text":"What was the water?","start":289.59998,"end":290.0,"sentiment":"neutral","sentiment_score":-0.010864244541153312},{"text":"Sorry.","start":290.0,"end":290.24,"sentiment":"neutral","sentiment_score":-0.08776291459798813}],"sentiment":"neutral","sentiment_score":0.12951105986169334,"num_words":59,"start":267.305,"end":290.24},{"sentences":[{"text":"Electricity in brackets, and then also pop in whatever your your Internet bill is, the amount.","start":290.24,"end":297.645,"sentiment":"neutral","sentiment_score":-0.011133310850709677},{"text":"So if it's, you know, $80, whatever the case may be, pop that in and then just put, you know, Internet in brackets next to it as the expenses that are due.","start":297.645,"end":307.505,"sentiment":"neutral","sentiment_score":0.016550704487599432},{"text":"And, also, what what do your utilities generally cost you per fortnight?","start":311.98,"end":315.52002,"sentiment":"neutral","sentiment_score":-0.014889452140778303},{"text":"I know that's a really weird one to to sort of say, but, like, your your phone your phone phone and Internet costs, what are they per month?","start":315.66,"end":323.44,"sentiment":"neutral","sentiment_score":-0.07735432810815317},{"text":"Yep.","start":330.415,"end":330.735,"sentiment":"neutral","sentiment_score":0.11959505081176758}],"sentiment":"neutral","sentiment_score":-0.02105067406644982,"num_words":89,"start":290.24,"end":330.735},{"sentences":[{"text":"That's okay.","start":330.735,"end":331.375,"sentiment":"neutral","sentiment_score":0.16639377921819687},{"text":"And Internet?","start":331.375,"end":332.435,"sentiment":"neutral","sentiment_score":0.02816000208258629},{"text":"Okay.","start":337.79,"end":338.27002,"sentiment":"neutral","sentiment_score":0.07077601552009583},{"text":"So that would mean that with 25 and 72, roughly, you know, that's, like, 9 90 $97 a month, which equates to sort of, like, $40.40 $48 of yes.","start":338.27002,"end":358.885,"sentiment":"neutral","sentiment_score":0.03383959905477241},{"text":"$48.50.","start":359.345,"end":360.405,"sentiment":"neutral","sentiment_score":0.02043481171131134}],"sentiment":"neutral","sentiment_score":0.04199491656960591,"num_words":35,"start":330.735,"end":360.405},{"sentences":[{"text":"90 $7.48 50 per fortnight.","start":360.785,"end":363.845,"sentiment":"neutral","sentiment_score":0.025725646689534188},{"text":"So you could pop that in your in your utilities is is that, but also you have water and electricity.","start":364.08,"end":369.69998,"sentiment":"neutral","sentiment_score":0.0334323279093951},{"text":"So do you know what your last water and electricity bill were?","start":370.08,"end":373.53998,"sentiment":"neutral","sentiment_score":0.009211217635311186},{"text":"Yep.","start":378.655,"end":379.155,"sentiment":"neutral","sentiment_score":0.006907697767019272},{"text":"$52, and I'm assuming that was for the quarter?","start":384.015,"end":386.435,"sentiment":"neutral","sentiment_score":-0.004712328418261475}],"sentiment":"neutral","sentiment_score":0.018559705218339852,"num_words":47,"start":360.785,"end":386.435},{"sentences":[{"text":"It times four.","start":387.215,"end":388.355,"sentiment":"neutral","sentiment_score":-0.03624440977970759},{"text":"That was for the month.","start":388.815,"end":389.695,"sentiment":"neutral","sentiment_score":-0.02723266966640949},{"text":"Okay.","start":389.695,"end":390.015,"sentiment":"neutral","sentiment_score":-0.002540482208132744},{"text":"So $3.77 and sorry.","start":390.015,"end":392.25,"sentiment":"neutral","sentiment_score":-0.019545776769518852},{"text":"What was it?","start":392.25,"end":392.85,"sentiment":"neutral","sentiment_score":-0.02618384857972463}],"sentiment":"neutral","sentiment_score":-0.025260732043534517,"num_words":16,"start":387.215,"end":392.85},{"sentences":[{"text":"42?","start":392.85,"end":393.67,"sentiment":"neutral","sentiment_score":-0.010863002389669418},{"text":"50 2.","start":393.97,"end":394.61002,"sentiment":"neutral","sentiment_score":-0.0010323473252356052},{"text":"50 2.","start":394.61002,"end":395.35,"sentiment":"neutral","sentiment_score":0.001519388984888792},{"text":"And fifty two.","start":395.49002,"end":399.73,"sentiment":"neutral","sentiment_score":0.00843796506524086},{"text":"Cool.","start":399.73,"end":400.23,"sentiment":"neutral","sentiment_score":0.16043521463871002}],"sentiment":"neutral","sentiment_score":0.01954002119600773,"num_words":9,"start":392.85,"end":400.23},{"sentences":[{"text":"So that would be so if we go $3.77 times by four divided by 12 plus our 52 plus our $48.50, that's a $105 in utility bills.","start":401.17,"end":413.545,"sentiment":"neutral","sentiment_score":0.05793751389892013},{"text":"And that is your that's your phone, that's the electricity, that's the Internet, and that's water.","start":413.545,"end":418.605,"sentiment":"neutral","sentiment_score":0.0284895789809525},{"text":"So if you That's fortnightly.","start":419.30502,"end":422.24,"sentiment":"neutral","sentiment_score":-0.006651610508561135},{"text":"That's what it's costing you to to run the electricity.","start":422.38,"end":424.62,"sentiment":"neutral","sentiment_score":-0.023725564405322076},{"text":"So under that on like, between the 80 and the $8.80 that you have on that column, if you put in a 100 just put a $101 in there because that's your utilities.","start":424.62,"end":435.685,"sentiment":"neutral","sentiment_score":0.012838588039757627}],"sentiment":"neutral","sentiment_score":0.023882481842659987,"num_words":91,"start":401.17,"end":435.685},{"sentences":[{"text":"That's water, right, electricity, gas, all the rest of the things.","start":435.745,"end":441.365,"sentiment":"neutral","sentiment_score":0.04730268567800522},{"text":"That covers that there.","start":442.065,"end":443.365,"sentiment":"neutral","sentiment_score":0.0871762502938509},{"text":"And then if you pop in the overdue amount, that's amount payable, you pop in the $160 that's due on the water bill, take a screenshot of the water bill, and send it to me.","start":443.665,"end":456.13,"sentiment":"neutral","sentiment_score":0.04253535712403911},{"text":"And then also for the sorry.","start":457.15,"end":464.545,"sentiment":"neutral","sentiment_score":-0.052470182068645954},{"text":"Electricity bill.","start":464.605,"end":465.745,"sentiment":"neutral","sentiment_score":-0.033692626282572746}],"sentiment":"neutral","sentiment_score":0.034061477551686356,"num_words":58,"start":435.745,"end":465.745},{"sentences":[{"text":"I meant elect I meant electricity.","start":466.20502,"end":467.745,"sentiment":"neutral","sentiment_score":-0.051208099350333214},{"text":"Sorry.","start":467.885,"end":468.385,"sentiment":"neutral","sentiment_score":-0.10516485571861268},{"text":"Sorry.","start":468.445,"end":468.765,"sentiment":"neutral","sentiment_score":-0.09995374828577042},{"text":"I got myself confused.","start":468.765,"end":469.98502,"sentiment":"neutral","sentiment_score":-0.0916565116494894},{"text":"Yeah.","start":470.605,"end":470.92502,"sentiment":"neutral","sentiment_score":-0.02505265176296234}],"sentiment":"neutral","sentiment_score":-0.06954199218979248,"num_words":13,"start":466.20502,"end":470.92502},{"sentences":[{"text":"Get the is the water bill 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you just if you send through what's unpaid on the electricity bill, so we can I can get that we can get that added and just pop in what's due there?","start":476.8,"end":485.94,"sentiment":"neutral","sentiment_score":0.02428460439114133},{"text":"That'll cover everything there.","start":488.075,"end":493.915,"sentiment":"positive","sentiment_score":0.37170426547527313}],"sentiment":"neutral","sentiment_score":0.06262382231766313,"num_words":41,"start":474.96,"end":493.915},{"sentences":[{"text":"Yeah.","start":493.915,"end":494.315,"sentiment":"positive","sentiment_score":0.3529423177242279},{"text":"And then, yeah, if you can take a retake a photo of the pages that you correct, that would be good.","start":494.315,"end":501.53,"sentiment":"positive","sentiment_score":0.39873740502766203},{"text":"And then what I'll do is I'll I'll send everything off.","start":501.53,"end":505.38998,"sentiment":"neutral","sentiment_score":0.18690144338391043},{"text":"Okay?","start":505.84998,"end":506.34998,"sentiment":"neutral","sentiment_score":0.11353965103626253},{"text":"It takes them generally a week or two to review everything.","start":511.77,"end":515.635,"sentiment":"neutral","sentiment_score":-0.06073055416345596}],"sentiment":"neutral","sentiment_score":0.22728549457258648,"num_words":45,"start":493.915,"end":515.635},{"sentences":[{"text":"If they require any additional evidence, they'll come back to us.","start":515.635,"end":519.015,"sentiment":"neutral","sentiment_score":-0.06546648456291719},{"text":"It it take it takes it takes a week or two for them to actually look it over.","start":519.47504,"end":525.895,"sentiment":"neutral","sentiment_score":-0.06355894605318706},{"text":"It goes to Hub twenty four to the trustee, and they look at it all.","start":525.955,"end":529.2,"sentiment":"neutral","sentiment_score":-0.008780417591333389},{"text":"The more evidence we can show them on the front end, the quicker the process goes, which is why I always like to have a look over the documents, make sure that they're correct before we just line send them because, otherwise, it's just gonna delay things for you.","start":529.28,"end":542.56,"sentiment":"neutral","sentiment_score":0.001851014070668999},{"text":"Whereas, you know, if I just stop and have a look for, you know, half hour to an hour over all the documents you sent, order them and just make sure that we're sort of looking kosher, you know, quick phone call to to straighten out anything that we might have missed, then we can, you know, make sure that we have a a better a better chance of us actually getting everything 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everything.","start":588.86005,"end":590.88,"sentiment":"neutral","sentiment_score":0.07212344370782375}],"sentiment":"neutral","sentiment_score":0.005691233169981989,"num_words":59,"start":566.36,"end":590.88},{"sentences":[{"text":"Because I'm assuming we have nothing in the bank at the moment.","start":590.94,"end":593.36005,"sentiment":"neutral","sentiment_score":-0.2219072294731935},{"text":"Okay.","start":594.94,"end":595.44,"sentiment":"neutral","sentiment_score":-0.061289720237255096},{"text":"Okay.","start":598.745,"end":599.14496,"sentiment":"neutral","sentiment_score":0.1095367670059204},{"text":"Yeah.","start":599.14496,"end":599.545,"sentiment":"neutral","sentiment_score":0.1714581847190857},{"text":"Just send send through that if you if you can download a 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yeah.","start":674.65497,"end":676.65497,"sentiment":"neutral","sentiment_score":-0.08036543535334724},{"text":"Okay.","start":676.65497,"end":677.15497,"sentiment":"neutral","sentiment_score":-0.031132521107792854}],"sentiment":"neutral","sentiment_score":-0.07250655733514577,"num_words":16,"start":669.30005,"end":677.15497},{"sentences":[{"text":"Yeah.","start":689.07,"end":689.57,"sentiment":"neutral","sentiment_score":-0.04195115715265274},{"text":"Maybe she's gonna share house with more people or something.","start":690.67,"end":694.20996,"sentiment":"neutral","sentiment_score":-0.056244324520230295},{"text":"No?","start":695.87,"end":696.19,"sentiment":"neutral","sentiment_score":-0.09510907530784608},{"text":"No.","start":696.19,"end":696.69,"sentiment":"neutral","sentiment_score":-0.12472400069236755},{"text":"People people make silly decisions sometimes, but that's okay.","start":700.415,"end":703.635,"sentiment":"neutral","sentiment_score":-0.1683008298277855}],"sentiment":"neutral","sentiment_score":-0.10631522485478358,"num_words":22,"start":689.07,"end":703.635},{"sentences":[{"text":"Cool.","start":708.335,"end":708.735,"sentiment":"neutral","sentiment_score":0.25882184505462646},{"text":"So that yeah.","start":708.735,"end":713.68,"sentiment":"neutral","sentiment_score":0.1556707719961802},{"text":"If you can get those those those new screenshots through and they got a little bit of extra information through to me, I'll package it all up, and I'll send it on to Hub twenty four and get them to start the claim assessment.","start":713.68,"end":724.66,"sentiment":"neutral","sentiment_score":0.1656672043556517},{"text":"Okay?","start":724.8,"end":725.3,"sentiment":"neutral","sentiment_score":0.09531974047422408},{"text":"Okay.","start":727.675,"end":728.15497,"sentiment":"neutral","sentiment_score":0.2208588421344757}],"sentiment":"neutral","sentiment_score":0.16662739470601082,"num_words":50,"start":708.335,"end":728.15497},{"sentences":[{"text":"Perfect.","start":728.15497,"end":728.635,"sentiment":"neutral","sentiment_score":0.1417800486087799},{"text":"I'll leave it with you, and I'll wait for your email.","start":728.635,"end":730.635,"sentiment":"neutral","sentiment_score":0.14780948649753223},{"text":"Okay?","start":730.635,"end":731.135,"sentiment":"neutral","sentiment_score":0.07605455815792084},{"text":"No.","start":733.675,"end":733.995,"sentiment":"neutral","sentiment_score":0.245138019323349},{"text":"No problems at 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Good. Thank you. Yes. I have money. Yes. I'm Bruce Sharp. 1972. Unit 3, Number 7, Allen Street, Gaffney 4343. Alright. Okay. But I made a mistake. Yes. It's not the fifth month. Oh, Shiba. Sorry. Alright. Okay then. Yep. Yep. I've still got a I've still got about a $160 left to pay off on my electricity bill. Yep. Yes. Yep. See, I've only got a on on a on a app, electricity bill, Marty. Yep. Not yet. My Internet bill, but that won't come out and that won't come up until about the eleventh. Yeah. Yep. Yes. Yep. Yep. Okay. It's fine. It's 25. Because I just got I'm just on a prepaid one, mate. Is that yep. What's that? The cheapest one I've got is 72 a month. I'd say about ninety seven. Yep. 40 $46 or 47? 40 yes. Yep. Yep. 377 for the last electricity bill, and the water bill was about was it nearly $52? No. A month. Yeah. That's yeah. The $3.77, that was the three months for the power. Yep. Is that Yep. So that's what? Fortinently? Yep. Yep. Yep. I've just got a text from the real estate of it. That's all. Water bill. Oh, sorry. Yes. I Yes. Yes. Yep. So how long I should I said that, shouldn't I? Alright. It's gonna take a little bit longer for me. Yeah. Yep. Yep. Yes. Yeah. How long well, a month's worth? Or yep. No. It's only probably about 80¢ there, mate. Yep. Now I had someone living with me there, but she's not living with me no more. But she used to trans like, she used to transfer a week weeks rent over to me every fortnight. That'll come up on the statement. She moved out there last weekend. Does that Yes. Yep. Yeah. Because how how how I worked it with her, I'd pay one week and she'd pay the next week's rent. Do you know what I mean? Yep. No. Yeah. She just got up and left, and she reckons it was too late to leave here. But where what gets me money, where she moved to, it's a lot more dear dear to live up that way than down here. You know what I mean? No. So Uh-huh. Yep. Okay then. Yep. Okay then. Thank you. K. 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Good. Thank you. Yes. I have money.\n\nYes. I'm Bruce Sharp. 1972. Unit 3, Number 7, Allen Street, Gaffney 4343. Alright.\n\nOkay. But I made a mistake. Yes. It's not the fifth month. Oh, Shiba.\n\nSorry. Alright. Okay then. Yep. Yep.\n\nI've still got a I've still got about a $160 left to pay off on my electricity bill. Yep. Yes. Yep. See, I've only got a on on a on a app, electricity bill, Marty.\n\nYep. Not yet. My Internet bill, but that won't come out and that won't come up until about the eleventh. Yeah. Yep.\n\nYes. Yep. Yep. Okay. It's fine.\n\nIt's 25. Because I just got I'm just on a prepaid one, mate. Is that yep. What's that? The cheapest one I've got is 72 a month.\n\nI'd say about ninety seven. Yep. 40 $46 or 47? 40 yes. Yep.\n\nYep. 377 for the last electricity bill, and the water bill was about was it nearly $52? No. A month. Yeah.\n\nThat's yeah. The $3.77, that was the three months for the power. Yep. Is that Yep. So that's what?\n\nFortinently? Yep. Yep. Yep. I've just got a text from the real estate of it.\n\nThat's all. Water bill. Oh, sorry. Yes. I Yes.\n\nYes. Yep. So how long I should I said that, shouldn't I? Alright. It's gonna take a little bit longer for me.\n\nYeah. Yep. Yep. Yes. Yeah.\n\nHow long well, a month's worth? Or yep. No. It's only probably about 80¢ there, mate. Yep.\n\nNow I had someone living with me there, but she's not living with me no more. But she used to trans like, she used to transfer a week weeks rent over to me every fortnight. That'll come up on the statement. She moved out there last weekend. Does that Yes.\n\nYep. Yeah. Because how how how I worked it with her, I'd pay one week and she'd pay the next week's rent. Do you know what I mean? Yep.\n\nNo. Yeah. She just got up and left, and she reckons it was too late to leave here. But where what gets me money, where she moved to, it's a lot more dear dear to live up that way than down here. You know what I mean?\n\nNo. So Uh-huh. Yep. Okay then. Yep.\n\nOkay then. Thank you. K. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.03724897652864456},{"text":"Good.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.6808172464370728},{"text":"Thank you.","start":8.08,"end":8.82,"sentiment":"positive","sentiment_score":0.7616533637046814},{"text":"Yes.","start":18.345,"end":18.845,"sentiment":"neutral","sentiment_score":0.11507409811019896},{"text":"I have money.","start":19.225,"end":20.205,"sentiment":"neutral","sentiment_score":0.13862228641907373}],"sentiment":"positive","sentiment_score":0.34653923846781254,"num_words":8,"start":2.24,"end":20.205},{"sentences":[{"text":"Yes.","start":26.185,"end":26.685,"sentiment":"neutral","sentiment_score":0.05359773337841034},{"text":"I'm Bruce Sharp.","start":28.230001,"end":29.11,"sentiment":"neutral","sentiment_score":0.026108517001072567},{"text":"1972.","start":29.11,"end":31.37,"sentiment":"neutral","sentiment_score":0.017585333436727524},{"text":"Unit 3, Number 7, Allen Street, Gaffney 4343.","start":32.39,"end":37.21,"sentiment":"neutral","sentiment_score":0.03023521089926362},{"text":"Alright.","start":48.875,"end":49.355,"sentiment":"neutral","sentiment_score":-0.010336555540561676}],"sentiment":"neutral","sentiment_score":0.027218124962278774,"num_words":14,"start":26.185,"end":49.355},{"sentences":[{"text":"Okay.","start":49.355,"end":49.755,"sentiment":"neutral","sentiment_score":-0.021343190222978592},{"text":"But I made a mistake.","start":49.755,"end":50.815,"sentiment":"neutral","sentiment_score":-0.19836050868034363},{"text":"Yes.","start":66.08,"end":66.58,"sentiment":"neutral","sentiment_score":-0.04856759309768677},{"text":"It's not the fifth month.","start":72.845,"end":74.385,"sentiment":"neutral","sentiment_score":-0.21848848462104797},{"text":"Oh, Shiba.","start":76.925,"end":77.665,"sentiment":"neutral","sentiment_score":-0.01781749539077282}],"sentiment":"neutral","sentiment_score":-0.15641362432922637,"num_words":14,"start":49.355,"end":77.665},{"sentences":[{"text":"Sorry.","start":97.784996,"end":98.284996,"sentiment":"neutral","sentiment_score":-0.04545515775680542},{"text":"Alright.","start":98.905,"end":99.305,"sentiment":"neutral","sentiment_score":0.028616055846214294},{"text":"Okay then.","start":99.305,"end":100.204994,"sentiment":"neutral","sentiment_score":0.028190570883452892},{"text":"Yep.","start":103.625,"end":104.125,"sentiment":"neutral","sentiment_score":0.04669157415628433},{"text":"Yep.","start":125.055,"end":125.555,"sentiment":"positive","sentiment_score":0.517545223236084}],"sentiment":"neutral","sentiment_score":0.10062980620811383,"num_words":6,"start":97.784996,"end":125.555},{"sentences":[{"text":"I've still got a I've still got about a $160 left to pay off on my electricity bill.","start":149.3,"end":155.675,"sentiment":"neutral","sentiment_score":-0.0834625530987978},{"text":"Yep.","start":161.815,"end":162.315,"sentiment":"neutral","sentiment_score":0.10396989434957504},{"text":"Yes.","start":175.56,"end":176.06,"sentiment":"neutral","sentiment_score":-0.05892996862530708},{"text":"Yep.","start":199.96,"end":200.46,"sentiment":"neutral","sentiment_score":0.11138185113668442},{"text":"See, I've only got a on on a on a app, electricity bill, Marty.","start":212.66501,"end":217.005,"sentiment":"neutral","sentiment_score":-0.009362716360815935}],"sentiment":"neutral","sentiment_score":-0.042199491656252315,"num_words":35,"start":149.3,"end":217.005},{"sentences":[{"text":"Yep.","start":222.265,"end":222.765,"sentiment":"neutral","sentiment_score":0.19490346312522888},{"text":"Not yet.","start":239.895,"end":240.715,"sentiment":"neutral","sentiment_score":-0.21133741736412048},{"text":"My Internet bill, but that won't come out and that won't come up until about the eleventh.","start":247.015,"end":253.115,"sentiment":"neutral","sentiment_score":-0.28027020131840424},{"text":"Yeah.","start":265.14,"end":265.64,"sentiment":"neutral","sentiment_score":0.11694160103797913},{"text":"Yep.","start":279.415,"end":279.915,"sentiment":"neutral","sentiment_score":0.14437682926654816}],"sentiment":"neutral","sentiment_score":-0.21504756198687988,"num_words":22,"start":222.265,"end":279.915},{"sentences":[{"text":"Yes.","start":296.34998,"end":296.84998,"sentiment":"neutral","sentiment_score":0.03583693131804466},{"text":"Yep.","start":305.935,"end":306.435,"sentiment":"neutral","sentiment_score":0.005206914152950048},{"text":"Yep.","start":308.895,"end":309.395,"sentiment":"neutral","sentiment_score":0.03247221186757088},{"text":"Okay.","start":310.655,"end":311.155,"sentiment":"neutral","sentiment_score":0.02226250059902668},{"text":"It's fine.","start":325.38,"end":326.02,"sentiment":"neutral","sentiment_score":0.06735514849424362}],"sentiment":"neutral","sentiment_score":0.038414809154346585,"num_words":6,"start":296.34998,"end":326.02},{"sentences":[{"text":"It's 25.","start":326.02,"end":327.4,"sentiment":"neutral","sentiment_score":0.03420571610331535},{"text":"Because I just got I'm just on a prepaid one, mate.","start":327.63498,"end":330.29498,"sentiment":"neutral","sentiment_score":0.038033531132069504},{"text":"Is that yep.","start":330.91498,"end":332.215,"sentiment":"neutral","sentiment_score":0.09679852550228436},{"text":"What's that?","start":333.715,"end":334.435,"sentiment":"neutral","sentiment_score":0.013694356894120574},{"text":"The cheapest one I've got is 72 a month.","start":334.435,"end":337.41498,"sentiment":"neutral","sentiment_score":0.022224757820367813}],"sentiment":"neutral","sentiment_score":0.03720694019769629,"num_words":27,"start":326.02,"end":337.41498},{"sentences":[{"text":"I'd say about ninety seven.","start":345.02,"end":346.56,"sentiment":"neutral","sentiment_score":0.03784068189561367},{"text":"Yep.","start":347.98,"end":348.48,"sentiment":"neutral","sentiment_score":0.06249627470970154},{"text":"40 $46 or 47?","start":354.685,"end":357.905,"sentiment":"neutral","sentiment_score":0.0005744869122281671},{"text":"40 yes.","start":358.365,"end":361.425,"sentiment":"neutral","sentiment_score":0.022746521048247814},{"text":"Yep.","start":364.445,"end":364.945,"sentiment":"neutral","sentiment_score":0.04532288759946823}],"sentiment":"neutral","sentiment_score":0.02652412011789588,"num_words":13,"start":345.02,"end":364.945},{"sentences":[{"text":"Yep.","start":370.62,"end":371.12,"sentiment":"neutral","sentiment_score":0.01921313814818859},{"text":"377 for the last electricity bill, and the water bill was about was it nearly $52?","start":374.78,"end":383.675,"sentiment":"neutral","sentiment_score":0.000027901793146156706},{"text":"No.","start":387.255,"end":387.655,"sentiment":"neutral","sentiment_score":-0.0681270882487297},{"text":"A month.","start":387.655,"end":388.315,"sentiment":"neutral","sentiment_score":-0.048612602055072784},{"text":"Yeah.","start":394.08002,"end":394.4,"sentiment":"neutral","sentiment_score":0.001301606651395559}],"sentiment":"neutral","sentiment_score":-0.00687576756518822,"num_words":21,"start":370.62,"end":394.4},{"sentences":[{"text":"That's yeah.","start":394.4,"end":395.36002,"sentiment":"neutral","sentiment_score":0.0017719651368679479},{"text":"The $3.77, that was the three months for the power.","start":395.36002,"end":399.54,"sentiment":"neutral","sentiment_score":-0.007135555008426308},{"text":"Yep.","start":412.915,"end":413.415,"sentiment":"neutral","sentiment_score":0.03426654264330864},{"text":"Is that Yep.","start":414.035,"end":419.475,"sentiment":"neutral","sentiment_score":0.028745321556925774},{"text":"So that's what?","start":419.475,"end":420.275,"sentiment":"neutral","sentiment_score":0.009996796337266762}],"sentiment":"neutral","sentiment_score":0.004351646132387319,"num_words":19,"start":394.4,"end":420.275},{"sentences":[{"text":"Fortinently?","start":420.275,"end":420.775,"sentiment":"neutral","sentiment_score":-0.0038088385481387377},{"text":"Yep.","start":430.51,"end":430.67,"sentiment":"neutral","sentiment_score":0.010648952797055244},{"text":"Yep.","start":430.67,"end":431.17,"sentiment":"neutral","sentiment_score":0.009490007534623146},{"text":"Yep.","start":440.875,"end":441.375,"sentiment":"neutral","sentiment_score":0.10458964109420776},{"text":"I've just got a text from the real estate of it.","start":458.09,"end":460.81,"sentiment":"neutral","sentiment_score":0.006790771487761627}],"sentiment":"neutral","sentiment_score":0.013041216616208355,"num_words":15,"start":420.275,"end":460.81},{"sentences":[{"text":"That's all.","start":460.81,"end":461.63,"sentiment":"neutral","sentiment_score":-0.040778471156954765},{"text":"Water bill.","start":464.61502,"end":465.355,"sentiment":"neutral","sentiment_score":-0.04178675264120102},{"text":"Oh, sorry.","start":468.535,"end":469.095,"sentiment":"neutral","sentiment_score":-0.08256369084119797},{"text":"Yes.","start":469.095,"end":469.415,"sentiment":"neutral","sentiment_score":-0.04741959273815155},{"text":"I Yes.","start":469.415,"end":473.995,"sentiment":"neutral","sentiment_score":-0.05758628994226456}],"sentiment":"neutral","sentiment_score":-0.05476111132237646,"num_words":9,"start":460.81,"end":473.995},{"sentences":[{"text":"Yes.","start":486.82,"end":487.32,"sentiment":"neutral","sentiment_score":0.21710628271102905},{"text":"Yep.","start":505.9,"end":506.4,"sentiment":"neutral","sentiment_score":0.06841325759887695},{"text":"So how long I should I said that, shouldn't I?","start":506.94,"end":510.56,"sentiment":"neutral","sentiment_score":-0.02070815283805132},{"text":"Alright.","start":519.395,"end":519.715,"sentiment":"neutral","sentiment_score":-0.0490402951836586},{"text":"It's gonna take a little bit longer for me.","start":519.715,"end":522.195,"sentiment":"neutral","sentiment_score":-0.14135422392023933}],"sentiment":"neutral","sentiment_score":-0.05649046811529181,"num_words":22,"start":486.82,"end":522.195},{"sentences":[{"text":"Yeah.","start":522.195,"end":522.695,"sentiment":"neutral","sentiment_score":-0.05966007336974144},{"text":"Yep.","start":534.83,"end":535.33,"sentiment":"neutral","sentiment_score":0.07957425713539124},{"text":"Yep.","start":552.435,"end":552.935,"sentiment":"neutral","sentiment_score":0.12817788124084473},{"text":"Yes.","start":564.05005,"end":564.55005,"sentiment":"neutral","sentiment_score":0.07007460296154022},{"text":"Yeah.","start":583.275,"end":583.59503,"sentiment":"neutral","sentiment_score":0.016753170639276505}],"sentiment":"neutral","sentiment_score":0.04698396772146225,"num_words":5,"start":522.195,"end":583.59503},{"sentences":[{"text":"How long well, a month's worth?","start":583.59503,"end":585.99506,"sentiment":"neutral","sentiment_score":0.0071505905749897165},{"text":"Or yep.","start":585.99506,"end":589.7,"sentiment":"neutral","sentiment_score":0.059059794992208474},{"text":"No.","start":595.52,"end":595.76,"sentiment":"neutral","sentiment_score":-0.07964912056922913},{"text":"It's only probably about 80¢ there, mate.","start":595.76,"end":598.18,"sentiment":"neutral","sentiment_score":0.01659915844599406},{"text":"Yep.","start":607.625,"end":608.125,"sentiment":"neutral","sentiment_score":0.3221047520637512}],"sentiment":"neutral","sentiment_score":0.03144210722530261,"num_words":17,"start":583.59503,"end":608.125},{"sentences":[{"text":"Now I had someone living with me there, but she's not living with me no more.","start":615.1,"end":619.44,"sentiment":"neutral","sentiment_score":-0.05709381715860218},{"text":"But she used to trans like, she used to transfer a week weeks rent over to me every fortnight.","start":619.58,"end":626.08,"sentiment":"neutral","sentiment_score":-0.04655888578609416},{"text":"That'll come up on the statement.","start":626.7,"end":628.24,"sentiment":"neutral","sentiment_score":0.030555492267012596},{"text":"She moved out there last weekend.","start":635.045,"end":636.90497,"sentiment":"neutral","sentiment_score":-0.010887387208640575},{"text":"Does that Yes.","start":639.685,"end":645.56,"sentiment":"neutral","sentiment_score":-0.005509169151385625}],"sentiment":"neutral","sentiment_score":-0.03393277563154697,"num_words":50,"start":615.1,"end":645.56},{"sentences":[{"text":"Yep.","start":651.38,"end":651.88,"sentiment":"neutral","sentiment_score":0.01983584836125374},{"text":"Yeah.","start":657.955,"end":658.435,"sentiment":"neutral","sentiment_score":0.0013407189399003985},{"text":"Because how how how I worked it with her, I'd pay one week and she'd pay the next week's rent.","start":658.435,"end":664.995,"sentiment":"neutral","sentiment_score":-0.01724131968803704},{"text":"Do you know what I mean?","start":664.995,"end":666.055,"sentiment":"neutral","sentiment_score":-0.03276476791749398},{"text":"Yep.","start":675.59,"end":675.75,"sentiment":"neutral","sentiment_score":-0.04376279562711716}],"sentiment":"neutral","sentiment_score":-0.019448318261781644,"num_words":29,"start":651.38,"end":675.75},{"sentences":[{"text":"No.","start":675.75,"end":676.25,"sentiment":"neutral","sentiment_score":-0.1197364330291748},{"text":"Yeah.","start":676.55,"end":676.95,"sentiment":"neutral","sentiment_score":-0.040806844830513},{"text":"She just got up and left, and she reckons it was too late to leave here.","start":676.95,"end":680.25,"sentiment":"neutral","sentiment_score":-0.0942049971781671},{"text":"But where what gets me money, where she moved to, it's a lot more dear dear to live up that way than down here.","start":681.965,"end":687.805,"sentiment":"neutral","sentiment_score":-0.06119809253141284},{"text":"You know what I mean?","start":687.805,"end":688.865,"sentiment":"neutral","sentiment_score":-0.04713088870048523}],"sentiment":"neutral","sentiment_score":-0.07174961482907863,"num_words":47,"start":675.75,"end":688.865},{"sentences":[{"text":"No.","start":698.39,"end":698.89,"sentiment":"neutral","sentiment_score":-0.12415921688079834},{"text":"So Uh-huh.","start":700.47,"end":703.77,"sentiment":"neutral","sentiment_score":-0.05292627774178982},{"text":"Yep.","start":725.72,"end":726.22,"sentiment":"neutral","sentiment_score":0.103033185005188},{"text":"Okay then.","start":726.36,"end":727.18,"sentiment":"neutral","sentiment_score":0.11324537545442583},{"text":"Yep.","start":731.63995,"end":731.95996,"sentiment":"neutral","sentiment_score":0.13753825426101685}],"sentiment":"neutral","sentiment_score":0.033864345401525504,"num_words":7,"start":698.39,"end":731.95996},{"sentences":[{"text":"Okay then.","start":731.95996,"end":732.51996,"sentiment":"neutral","sentiment_score":0.19386645406484604},{"text":"Thank you.","start":732.51996,"end":733.25995,"sentiment":"positive","sentiment_score":0.6704533398151398},{"text":"K.","start":736.6149,"end":736.8549,"sentiment":"neutral","sentiment_score":0.3331720232963562},{"text":"Thank you.","start":736.8549,"end":737.4149,"sentiment":"positive","sentiment_score":0.6715599000453949},{"text":"Bye.","start":737.4149,"end":737.9149,"sentiment":"positive","sentiment_score":0.33548781275749207}],"sentiment":"positive","sentiment_score":0.4675524029880762,"num_words":8,"start":731.95996,"end":737.9149}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Bruce. Larissa here from OQ Financial. How are you going?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good. I was just giving you a call. I had a I've had a look over the claim forms that you sent me, and I was just wanting to have a chat with you. So if you had time now?\n\nChannel 1: Yes. I have money.\n\nChannel 0: Perfect. Well, before I jump into it, I do need to let you know our call is recorded. And if I could just get you confirmed security for me, just full name,\n\nChannel 1: Yes.\n\nChannel 0: date of birth, and address.\n\nChannel 1: I'm Bruce Sharp. 1972. Unit 3, Number 7, Allen Street, Gaffney 4343.\n\nChannel 0: Perfect. Okay. So I've had a look through the forms, and I noticed a couple of things that I need to point out and possibly get us to fix up before I send them through to Hub twenty four.\n\nChannel 1: Alright. Okay. But I made a mistake.\n\nChannel 0: We did make a little mistake, and that's okay. So on what would basically be, I guess, like, the siding page for you, it's it's the the the form that says, like, the declaration and signature. You've actually put\n\nChannel 1: Yes.\n\nChannel 0: the eighth of the fifth, and I know that that sounds like a really nitpicky point.\n\nChannel 1: It's not the fifth month.\n\nChannel 0: No. We're in the fourth month or in April.\n\nChannel 1: Oh, Shiba.\n\nChannel 0: It's okay. It's easy enough to make a mistake like that. So we just need to, yeah, get that amended. So if you can just, like, cross out the fifth, write the fourth and and initial, that will cover that off and then take a photo and send it through to me.\n\nChannel 1: Sorry. Alright. Okay then.\n\nChannel 0: Yeah. So I I need I need you to just, you know, correct it and then just\n\nChannel 1: Yep.\n\nChannel 0: take a photo of that page and send it through. The other thing, like, the the the documents all filled out nicely, like, like, like, you know, it's got the stack deck done, which is perfect. The page that has your fortnightly income, the section two page came through really blurry. So if you're able to take another photo of that page and send it through,\n\nChannel 1: Yep.\n\nChannel 0: that would be great. And then the one thing I noticed was the details of your expenses. I like, you obviously have all your expenses listed, but are there any overdue payments that you have that are pending? Like, is there any rent that you haven't paid or electricity you haven't paid, a phone bill you haven't paid, a rego that you need to pay, anything like that that's not listed on like,\n\nChannel 1: I've\n\nChannel 0: that\n\nChannel 1: still\n\nChannel 0: you\n\nChannel 1: got\n\nChannel 0: have\n\nChannel 1: a\n\nChannel 0: as a\n\nChannel 1: I've still got about a $160 left to pay off on my electricity bill.\n\nChannel 0: perfect. Can you write that down that you have the electricity expense of a $160? Because\n\nChannel 1: Yep.\n\nChannel 0: that's all evidence that helps us like, helps with the claim. And and it needs to because the whilst I can see that your expenses are higher than what your income is,\n\nChannel 1: Yes.\n\nChannel 0: the, like, the super fund can see that as you, I guess, living outside of your means and just, like, them giving you an injection of cash is not going to resolve the issue. So what what the money is realistically there for is to help when, you know, when there are overdue expenses. So us showing them overdue expenses is what we realistically need to do.\n\nChannel 1: Yep.\n\nChannel 0: Okay. If you have that bill, can you send me the bill as well showing showing the amount that's unpaid or, you know, even if it's all of it, whichever way?\n\nChannel 1: See, I've only got a on on a on a app, electricity bill, Marty.\n\nChannel 0: That's okay. You can just take a screenshot of that and send that through. That's absolutely fine. If it's just\n\nChannel 1: Yep.\n\nChannel 0: on an app, that makes it easier anyway for for you. You can just, yeah, screenshot the the overdue amount, the part that's due, and send that through. Is there anything else that you have unpaid as well, phone bills or Internet bills or Any other bill that's come through?\n\nChannel 1: Not yet.\n\nChannel 0: Okay. Anything that you know that's upcoming?\n\nChannel 1: My Internet bill, but that won't come out and that won't come up until about the eleventh.\n\nChannel 0: Alright. Do you wanna can you put pop that down as, like, a as a bill that's overdue if you know how much that's gonna be? Because you I'm assuming we have no cash in the bank, so we're not gonna be able to pay for it.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So that's okay. So if you can pop that down. So just pop in on that d so details of your expenses page where you've got food, $80, rent, running costs, medical costs.\n\nChannel 1: Yep.\n\nChannel 0: If you can pop in on, like, the right hand side, just pop a $160 and then just put water oh, what was it? What was the water? Sorry. Electricity in brackets, and then also pop in whatever your your Internet bill is,\n\nChannel 1: Yes.\n\nChannel 0: the amount. So if it's, you know, $80, whatever the case may be, pop that in and then just put, you know, Internet in brackets next to it as the expenses that are\n\nChannel 1: Yep.\n\nChannel 0: due.\n\nChannel 1: Yep. Okay.\n\nChannel 0: And, also, what what do your utilities generally cost you per fortnight? I know that's a really weird one to to sort of say, but, like, your your phone your phone phone and Internet costs, what are they per month?\n\nChannel 1: It's fine. It's 25. Because I just got I'm just on a prepaid one, mate.\n\nChannel 0: Yep. That's\n\nChannel 1: Is\n\nChannel 0: okay.\n\nChannel 1: that\n\nChannel 0: And\n\nChannel 1: yep.\n\nChannel 0: Internet?\n\nChannel 1: What's that? The cheapest one I've got is 72 a month.\n\nChannel 0: Okay. So that would mean that with 25 and 72, roughly, you know,\n\nChannel 1: I'd\n\nChannel 0: that's,\n\nChannel 1: say\n\nChannel 0: like,\n\nChannel 1: about\n\nChannel 0: 9\n\nChannel 1: ninety\n\nChannel 0: 90\n\nChannel 1: seven.\n\nChannel 0: $97 a month,\n\nChannel 1: Yep.\n\nChannel 0: which equates to sort of, like, $40.40 $48\n\nChannel 1: 40\n\nChannel 0: of\n\nChannel 1: $46 or 47? 40\n\nChannel 0: yes. $48.50. 90\n\nChannel 1: yes.\n\nChannel 0: $7.48 50 per fortnight. So you could\n\nChannel 1: Yep.\n\nChannel 0: pop that in your in your utilities is is that, but also you have water and electricity. So do you know\n\nChannel 1: Yep.\n\nChannel 0: what your last water and electricity bill were?\n\nChannel 1: 377 for the last electricity bill,\n\nChannel 0: Yep.\n\nChannel 1: and the water bill was about was it nearly $52?\n\nChannel 0: $52, and I'm assuming that was for the quarter? It\n\nChannel 1: No.\n\nChannel 0: times\n\nChannel 1: A month.\n\nChannel 0: four. That was for the month. Okay. So $3.77 and sorry. What was it?\n\n42? 50\n\nChannel 1: Yeah.\n\nChannel 0: 2.\n\nChannel 1: That's\n\nChannel 0: 50 2.\n\nChannel 1: yeah. The\n\nChannel 0: And\n\nChannel 1: $3.77,\n\nChannel 0: fifty\n\nChannel 1: that was the three months for the power.\n\nChannel 0: two. Cool. So that would be so if we go $3.77 times by four divided by 12 plus our 52 plus our $48.50, that's a $105 in utility\n\nChannel 1: Yep.\n\nChannel 0: bills. And that is\n\nChannel 1: Is\n\nChannel 0: your\n\nChannel 1: that\n\nChannel 0: that's your phone, that's the electricity, that's the Internet, and that's water.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: if\n\nChannel 1: that's\n\nChannel 0: you\n\nChannel 1: what? Fortinently?\n\nChannel 0: That's fortnightly. That's what it's costing you to to run the electricity. So under that on like, between the 80 and the $8.80 that you have on that column, if you put\n\nChannel 1: Yep.\n\nChannel 0: in\n\nChannel 1: Yep.\n\nChannel 0: a 100 just put a $101 in there because that's your utilities. That's water, right, electricity, gas, all the rest of the things.\n\nChannel 1: Yep.\n\nChannel 0: That covers that there. And then if you pop in the overdue amount, that's amount payable, you pop in the $160 that's due on the water bill, take a screenshot of the water bill, and send it to me. And then also\n\nChannel 1: I've just got a text from the real estate of it. That's all.\n\nChannel 0: for the sorry. Electricity\n\nChannel 1: Water bill.\n\nChannel 0: bill. I meant elect I meant electricity. Sorry. Sorry.\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: sorry.\n\nChannel 0: got\n\nChannel 1: Yes.\n\nChannel 0: myself\n\nChannel 1: I\n\nChannel 0: confused. Yeah. Get the is the water bill paid?\n\nChannel 1: Yes.\n\nChannel 0: Okay. Good. Good. Good. Cool.\n\nYeah. The electricity bill. If you just if you send through what's unpaid on the electricity bill, so we can I can get that we can get that added and just pop in what's due there?\n\nChannel 1: Yes.\n\nChannel 0: That'll cover everything there. Yeah. And then, yeah, if you can take a retake a photo of the pages that you correct, that would be good. And then what I'll do is I'll I'll send everything off. Okay?\n\nChannel 1: Yep. So how long I should I said that, shouldn't I?\n\nChannel 0: It takes them generally a week or two to review everything. If they require any additional evidence, they'll come back to us.\n\nChannel 1: Alright.\n\nChannel 0: It\n\nChannel 1: It's gonna take a little bit longer for me.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: take it takes it takes a week or two for them to actually look it over. It goes to Hub twenty four to the trustee, and they look at it all. The more evidence we can show them on the front end, the quicker the process goes,\n\nChannel 1: Yep.\n\nChannel 0: which is why I always like to have a look over the documents, make sure that they're correct before we just line send them because, otherwise, it's just gonna delay things for you. Whereas, you know, if I just stop and have a look for, you know, half hour to an hour over all the documents you sent, order them and just make sure that we're sort of looking kosher,\n\nChannel 1: Yep.\n\nChannel 0: you know, quick phone call to to straighten out anything that we might have missed, then we can, you know, make sure that we have a a better a better chance of us actually getting everything through.\n\nChannel 1: Yes.\n\nChannel 0: So that's what we need to do there. The other thing that would help is if you can send through a a bank statement just to show the coming ins and going outs on your bank because that just shows you have no money in the bank.\n\nChannel 1: Yeah. How long well, a month's worth? Or\n\nChannel 0: That'll be fine. A month, that's totally fine. Because that'll\n\nChannel 1: yep.\n\nChannel 0: show everything. Because I'm assuming we have nothing in the bank at the moment. Okay.\n\nChannel 1: No. It's only probably about 80¢ there, mate.\n\nChannel 0: Okay. Yeah. Just send send through that if you if you can download a yeah. Like, a month statement, that'd be fantastic, and that just shows everything there.\n\nChannel 1: Yep.\n\nChannel 0: It'll show the Centrelink statement the Centrelink money going in and all the bills going out.\n\nChannel 1: Now I had someone living with me there, but she's not living with me no more. But she used to trans like, she used to transfer a week weeks rent over to me every fortnight. That'll come up on the statement.\n\nChannel 0: That's okay. So that was when was that? In the last month?\n\nChannel 1: She moved out there last weekend.\n\nChannel 0: Okay. So so\n\nChannel 1: Does\n\nChannel 0: she\n\nChannel 1: that\n\nChannel 0: was she was paying a little bit for there for a while?\n\nChannel 1: Yes.\n\nChannel 0: Okay. That's okay. So just in your email, just if you can write that down. Just state that\n\nChannel 1: Yep.\n\nChannel 0: you had a short term border who paid blah per fortnight. That arrangement stays on blah day.\n\nChannel 1: Yeah. Because how how how I worked it with her, I'd pay one week and she'd pay the next week's rent. Do you know what I mean?\n\nChannel 0: Yeah. Yeah. Very much. Yeah. Okay.\n\nSo she she owes nothing more. She's she's left,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: No.\n\nChannel 0: that's that's yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: She just got up and left, and she reckons it was too late to leave here. But where what gets me money, where she moved to, it's a lot more dear dear to live up that way than down here. You know what I mean?\n\nChannel 0: Yeah. Maybe she's gonna share house with more people or something. No? No.\n\nChannel 1: No.\n\nChannel 0: People\n\nChannel 1: So\n\nChannel 0: people make silly decisions sometimes, but that's okay.\n\nChannel 1: Uh-huh.\n\nChannel 0: Cool. So that yeah. If you can get those those those new screenshots through and they got a little bit of extra information through to me, I'll package it all up, and I'll send it on to Hub twenty four and get them to start the claim assessment. Okay?\n\nChannel 1: Yep. Okay then.\n\nChannel 0: Okay. Perfect. I'll leave it with you, and I'll wait for your email. Okay?\n\nChannel 1: Yep. Okay then. Thank you.\n\nChannel 0: No. No problems at all. Thanks for the time, Bruce.\n\nChannel 1: K. Thank you. Bye.\n\nChannel 0: K. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.03724897652864456}],"sentiment":"neutral","sentiment_score":0.03724897652864456,"channel":1,"num_words":1,"start":2.24,"end":2.74},{"sentences":[{"text":"Hi, Bruce.","start":3.84,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.16058573126792908},{"text":"Larissa here from OQ Financial.","start":4.7999997,"end":6.24,"sentiment":"neutral","sentiment_score":0.2082437753677368},{"text":"How are you going?","start":6.24,"end":7.14,"sentiment":"neutral","sentiment_score":0.25059810653328896}],"sentiment":"neutral","sentiment_score":0.21498025140979074,"channel":0,"num_words":11,"start":3.84,"end":7.14},{"sentences":[{"text":"Good.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.6808172464370728},{"text":"Thank you.","start":8.08,"end":8.82,"sentiment":"positive","sentiment_score":0.7616533637046814}],"sentiment":"positive","sentiment_score":0.7347079912821451,"channel":1,"num_words":3,"start":7.7599998,"end":8.82},{"sentences":[{"text":"That's good.","start":9.28,"end":10.179999,"sentiment":"positive","sentiment_score":0.7389560639858246},{"text":"I was just giving you a call.","start":10.48,"end":11.92,"sentiment":"neutral","sentiment_score":0.2730609391416822},{"text":"I had a I've had a look over the claim forms that you sent me, and I was just wanting to have a chat with you.","start":11.92,"end":16.875,"sentiment":"neutral","sentiment_score":0.11775060227284065},{"text":"So if you had time now?","start":16.875,"end":18.095,"sentiment":"neutral","sentiment_score":0.039503928273916245}],"sentiment":"neutral","sentiment_score":0.1631189739195312,"channel":0,"num_words":41,"start":9.28,"end":18.095},{"sentences":[{"text":"Yes.","start":18.345,"end":18.845,"sentiment":"neutral","sentiment_score":0.11507409811019896},{"text":"I have money.","start":19.225,"end":20.205,"sentiment":"neutral","sentiment_score":0.13862228641907373}],"sentiment":"neutral","sentiment_score":0.13273523934185505,"channel":1,"num_words":4,"start":18.345,"end":20.205},{"sentences":[{"text":"Perfect.","start":20.635,"end":21.115,"sentiment":"positive","sentiment_score":0.5113221406936646},{"text":"Well, before I jump into it, I do need to let you know our call is recorded.","start":21.115,"end":23.355,"sentiment":"neutral","sentiment_score":0.08817204986425008},{"text":"And if I could just get you confirmed security for me, just full name,","start":23.355,"end":26.314999,"sentiment":"neutral","sentiment_score":0.09552836205278124}],"sentiment":"neutral","sentiment_score":0.10461387678515166,"channel":0,"num_words":32,"start":20.635,"end":26.314999},{"sentences":[{"text":"Yes.","start":26.185,"end":26.685,"sentiment":"neutral","sentiment_score":0.05359773337841034}],"sentiment":"neutral","sentiment_score":0.05359773337841034,"channel":1,"num_words":1,"start":26.185,"end":26.685},{"sentences":[{"text":"date of birth, and address.","start":26.314999,"end":27.454998,"sentiment":"neutral","sentiment_score":0.04898456707596779}],"sentiment":"neutral","sentiment_score":0.04898456707596779,"channel":0,"num_words":5,"start":26.314999,"end":27.454998},{"sentences":[{"text":"I'm Bruce Sharp.","start":28.230001,"end":29.11,"sentiment":"neutral","sentiment_score":0.026108517001072567},{"text":"1972.","start":29.11,"end":31.37,"sentiment":"neutral","sentiment_score":0.017585333436727524},{"text":"Unit 3, Number 7, Allen Street, Gaffney 4343.","start":32.39,"end":37.21,"sentiment":"neutral","sentiment_score":0.03023521089926362}],"sentiment":"neutral","sentiment_score":0.028149380969504516,"channel":1,"num_words":12,"start":28.230001,"end":37.21},{"sentences":[{"text":"Perfect.","start":37.84,"end":38.34,"sentiment":"positive","sentiment_score":0.3335251212120056},{"text":"Okay.","start":38.64,"end":39.14,"sentiment":"neutral","sentiment_score":0.1009802222251892},{"text":"So I've had a look through the forms, and I noticed a couple of things that I need to point out and possibly get us to fix up before I send them through to Hub twenty four.","start":39.36,"end":48.495,"sentiment":"neutral","sentiment_score":-0.0796435604224334}],"sentiment":"neutral","sentiment_score":-0.06441811262032925,"channel":0,"num_words":39,"start":37.84,"end":48.495},{"sentences":[{"text":"Alright.","start":48.875,"end":49.355,"sentiment":"neutral","sentiment_score":-0.010336555540561676},{"text":"Okay.","start":49.355,"end":49.755,"sentiment":"neutral","sentiment_score":-0.021343190222978592},{"text":"But I made a mistake.","start":49.755,"end":50.815,"sentiment":"neutral","sentiment_score":-0.19836050868034363}],"sentiment":"neutral","sentiment_score":-0.1462117555950369,"channel":1,"num_words":7,"start":48.875,"end":50.815},{"sentences":[{"text":"We did make a little mistake, and that's okay.","start":51.275,"end":53.695,"sentiment":"neutral","sentiment_score":-0.17409149722920525},{"text":"So on what would basically be, I guess, like, the siding page for you, it's it's the the the form that says, like, the declaration and signature.","start":54.875,"end":65.25,"sentiment":"neutral","sentiment_score":-0.018421811914002453},{"text":"You've actually put","start":65.47,"end":66.19,"sentiment":"neutral","sentiment_score":-0.039447784423828125}],"sentiment":"neutral","sentiment_score":-0.05596296794903584,"channel":0,"num_words":39,"start":51.275,"end":66.19},{"sentences":[{"text":"Yes.","start":66.08,"end":66.58,"sentiment":"neutral","sentiment_score":-0.04856759309768677}],"sentiment":"neutral","sentiment_score":-0.04856759309768677,"channel":1,"num_words":1,"start":66.08,"end":66.58},{"sentences":[{"text":"the eighth of the fifth, and I know that that sounds like a really nitpicky point.","start":66.19,"end":71.825,"sentiment":"neutral","sentiment_score":-0.3143198289908469}],"sentiment":"neutral","sentiment_score":-0.3143198289908469,"channel":0,"num_words":16,"start":66.19,"end":71.825},{"sentences":[{"text":"It's not the fifth month.","start":72.845,"end":74.385,"sentiment":"neutral","sentiment_score":-0.21848848462104797}],"sentiment":"neutral","sentiment_score":-0.21848848462104797,"channel":1,"num_words":5,"start":72.845,"end":74.385},{"sentences":[{"text":"No.","start":74.604996,"end":74.84499,"sentiment":"neutral","sentiment_score":-0.1893213987350464},{"text":"We're in the fourth month or in April.","start":74.84499,"end":76.865,"sentiment":"neutral","sentiment_score":-0.12208639457821846}],"sentiment":"neutral","sentiment_score":-0.1295569505956438,"channel":0,"num_words":9,"start":74.604996,"end":76.865},{"sentences":[{"text":"Oh, Shiba.","start":76.925,"end":77.665,"sentiment":"neutral","sentiment_score":-0.01781749539077282}],"sentiment":"neutral","sentiment_score":-0.01781749539077282,"channel":1,"num_words":2,"start":76.925,"end":77.665},{"sentences":[{"text":"It's okay.","start":80.045,"end":80.685,"sentiment":"neutral","sentiment_score":0.07465479895472527},{"text":"It's easy enough to make a mistake like that.","start":80.685,"end":83.424995,"sentiment":"neutral","sentiment_score":0.010847401701741748},{"text":"So we just need to, yeah, get that amended.","start":84.950005,"end":87.850006,"sentiment":"neutral","sentiment_score":0.0072157130473189885},{"text":"So if you can just, like, cross out the fifth, write the fourth and and initial, that will cover that off and then take a photo and send it through to me.","start":87.990005,"end":97.53,"sentiment":"neutral","sentiment_score":0.0186375881312415}],"sentiment":"neutral","sentiment_score":0.01746693174712933,"channel":0,"num_words":52,"start":80.045,"end":97.53},{"sentences":[{"text":"Sorry.","start":97.784996,"end":98.284996,"sentiment":"neutral","sentiment_score":-0.04545515775680542},{"text":"Alright.","start":98.905,"end":99.305,"sentiment":"neutral","sentiment_score":0.028616055846214294},{"text":"Okay then.","start":99.305,"end":100.204994,"sentiment":"neutral","sentiment_score":0.028190570883452892}],"sentiment":"neutral","sentiment_score":0.009885509964078665,"channel":1,"num_words":4,"start":97.784996,"end":100.204994},{"sentences":[{"text":"Yeah.","start":100.555,"end":100.795,"sentiment":"neutral","sentiment_score":0.04358064383268356},{"text":"So I I need I need you to just, you know, correct it and then just","start":100.795,"end":103.835,"sentiment":"neutral","sentiment_score":0.034084018087014556}],"sentiment":"neutral","sentiment_score":0.03464264313087744,"channel":0,"num_words":17,"start":100.555,"end":103.835},{"sentences":[{"text":"Yep.","start":103.625,"end":104.125,"sentiment":"neutral","sentiment_score":0.04669157415628433}],"sentiment":"neutral","sentiment_score":0.04669157415628433,"channel":1,"num_words":1,"start":103.625,"end":104.125},{"sentences":[{"text":"take a photo of that page and send it through.","start":103.835,"end":105.775,"sentiment":"neutral","sentiment_score":0.07350250221788883},{"text":"The other thing, like, the the the documents all filled out nicely, like, like, like, you know, it's got the stack deck done, which is perfect.","start":105.915,"end":112.415,"sentiment":"positive","sentiment_score":0.364541753839988},{"text":"The page that has your fortnightly income, the section two page came through really blurry.","start":114.15,"end":121.67,"sentiment":"neutral","sentiment_score":-0.2921110729376475},{"text":"So if you're able to take another photo of that page and send it through,","start":121.67,"end":125.13,"sentiment":"neutral","sentiment_score":0.03397280797362327}],"sentiment":"neutral","sentiment_score":0.09607631284179109,"channel":0,"num_words":66,"start":103.835,"end":125.13},{"sentences":[{"text":"Yep.","start":125.055,"end":125.555,"sentiment":"positive","sentiment_score":0.517545223236084}],"sentiment":"positive","sentiment_score":0.517545223236084,"channel":1,"num_words":1,"start":125.055,"end":125.555},{"sentences":[{"text":"that would be great.","start":125.509995,"end":126.81,"sentiment":"positive","sentiment_score":0.7207348793745041},{"text":"And then the one thing I noticed was the details of your expenses.","start":127.895004,"end":131.835,"sentiment":"neutral","sentiment_score":0.004993432416365697},{"text":"I like, you obviously have all your expenses listed, but are there any overdue payments that you have that are pending?","start":133.255,"end":139.095,"sentiment":"neutral","sentiment_score":-0.04497276698904378},{"text":"Like, is there any rent that you haven't paid or electricity you haven't paid, a phone bill you haven't paid, a rego that you need to pay, anything like that that's not listed on 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a","start":150.04999,"end":150.79,"sentiment":"neutral","sentiment_score":-0.0749063603579998}],"sentiment":"neutral","sentiment_score":-0.0749063603579998,"channel":0,"num_words":2,"start":150.04999,"end":150.79},{"sentences":[{"text":"I've still got about a $160 left to pay off on my electricity bill.","start":150.34,"end":155.675,"sentiment":"neutral","sentiment_score":-0.08417573278503758}],"sentiment":"neutral","sentiment_score":-0.08417573278503758,"channel":1,"num_words":14,"start":150.34,"end":155.675},{"sentences":[{"text":"perfect.","start":155.98499,"end":156.465,"sentiment":"positive","sentiment_score":0.4534951150417328},{"text":"Can you write that down that you have the electricity expense of a $160?","start":156.465,"end":161.36499,"sentiment":"neutral","sentiment_score":0.11238697756614004},{"text":"Because","start":161.745,"end":161.98499,"sentiment":"neutral","sentiment_score":0.05234736576676369}],"sentiment":"neutral","sentiment_score":0.12995376042090356,"channel":0,"num_words":16,"start":155.98499,"end":161.98499},{"sentences":[{"text":"Yep.","start":161.815,"end":162.315,"sentiment":"neutral","sentiment_score":0.10396989434957504}],"sentiment":"neutral","sentiment_score":0.10396989434957504,"channel":1,"num_words":1,"start":161.815,"end":162.315},{"sentences":[{"text":"that's all evidence that helps us like, helps with the claim.","start":161.98499,"end":165.765,"sentiment":"neutral","sentiment_score":0.19582549821246753},{"text":"And and it needs to because the whilst I can see that your expenses are higher than what your income 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what we realistically need to do.","start":194.715,"end":199.45999,"sentiment":"neutral","sentiment_score":-0.07862837669941095}],"sentiment":"neutral","sentiment_score":-0.255372723870313,"channel":0,"num_words":67,"start":177.11,"end":199.45999},{"sentences":[{"text":"Yep.","start":199.96,"end":200.46,"sentiment":"neutral","sentiment_score":0.11138185113668442}],"sentiment":"neutral","sentiment_score":0.11138185113668442,"channel":1,"num_words":1,"start":199.96,"end":200.46},{"sentences":[{"text":"Okay.","start":200.24,"end":200.56,"sentiment":"neutral","sentiment_score":0.10805421322584152},{"text":"If you have that bill, can you send me the bill as well showing showing the amount that's unpaid or, you know, even if it's all of it, whichever 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someone living with me there, but she's not living with me no more.","start":615.1,"end":619.44,"sentiment":"neutral","sentiment_score":-0.05709381715860218},{"text":"But she used to trans like, she used to transfer a week weeks rent over to me every fortnight.","start":619.58,"end":626.08,"sentiment":"neutral","sentiment_score":-0.04655888578609416},{"text":"That'll come up on the statement.","start":626.7,"end":628.24,"sentiment":"neutral","sentiment_score":0.030555492267012596}],"sentiment":"neutral","sentiment_score":-0.03938504758222801,"channel":1,"num_words":41,"start":615.1,"end":628.24},{"sentences":[{"text":"That's okay.","start":630.695,"end":631.435,"sentiment":"neutral","sentiment_score":0.06587242893874645},{"text":"So that was when was that?","start":631.97504,"end":634.075,"sentiment":"neutral","sentiment_score":0.002047119196504354},{"text":"In the last 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make silly decisions sometimes, but that's okay.","start":701.135,"end":703.635,"sentiment":"neutral","sentiment_score":-0.17661221325397491}],"sentiment":"neutral","sentiment_score":-0.17661221325397491,"channel":0,"num_words":8,"start":701.135,"end":703.635},{"sentences":[{"text":"Uh-huh.","start":703.27,"end":703.77,"sentiment":"neutral","sentiment_score":0.02907242253422737}],"sentiment":"neutral","sentiment_score":0.02907242253422737,"channel":1,"num_words":1,"start":703.27,"end":703.77},{"sentences":[{"text":"Cool.","start":708.335,"end":708.735,"sentiment":"neutral","sentiment_score":0.25882184505462646},{"text":"So that yeah.","start":708.735,"end":713.68,"sentiment":"neutral","sentiment_score":0.1556707719961802},{"text":"If you can get those those those new screenshots through and they got a little bit of extra information through to me, I'll package it all up, and I'll send it on to Hub twenty four and get them to start the claim assessment.","start":713.68,"end":724.66,"sentiment":"neutral","sentiment_score":0.1656672043556517},{"text":"Okay?","start":724.8,"end":725.3,"sentiment":"neutral","sentiment_score":0.09531974047422408}],"sentiment":"neutral","sentiment_score":0.16552063047277685,"channel":0,"num_words":49,"start":708.335,"end":725.3},{"sentences":[{"text":"Yep.","start":725.72,"end":726.22,"sentiment":"neutral","sentiment_score":0.103033185005188},{"text":"Okay then.","start":726.36,"end":727.18,"sentiment":"neutral","sentiment_score":0.11324537545442583}],"sentiment":"neutral","sentiment_score":0.10984131197134656,"channel":1,"num_words":3,"start":725.72,"end":727.18},{"sentences":[{"text":"Okay.","start":727.675,"end":728.15497,"sentiment":"neutral","sentiment_score":0.2208588421344757},{"text":"Perfect.","start":728.15497,"end":728.635,"sentiment":"neutral","sentiment_score":0.1417800486087799},{"text":"I'll leave it with you, and I'll wait for your 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you.","start":736.8549,"end":737.4149,"sentiment":"positive","sentiment_score":0.6715599000453949},{"text":"Bye.","start":737.4149,"end":737.9149,"sentiment":"positive","sentiment_score":0.33548781275749207}],"sentiment":"positive","sentiment_score":0.5029449090361595,"channel":1,"num_words":4,"start":736.6149,"end":737.9149},{"sentences":[{"text":"K.","start":737.755,"end":738.255,"sentiment":"neutral","sentiment_score":0.158147931098938},{"text":"Bye.","start":738.315,"end":738.815,"sentiment":"neutral","sentiment_score":-0.09483150392770769}],"sentiment":"neutral","sentiment_score":0.03165821358561515,"channel":0,"num_words":2,"start":737.755,"end":738.815}]},"summary":{"result":"success","short":"A representative from OQ Financial contacts Bruce to correct claims and confirm security. They request a photo of the declaration and signature, and ask Bruce to correct expenses and show the amount overdue. The representative explains that it takes a week or two for the process to review all documents and suggests sending a pop-up code. The customer and representative discuss how to proceed with a claim, including providing necessary documents and proof of employment, and also inquire about a recent move and filing a statement."},"intents":{"segments":[{"text":"I was just giving you a call. I had a I've had a look over the claim forms that you sent me, and I was just wanting to have a chat with you. So if you had time now?","start_word":17,"end_word":55,"intents":[{"intent":"Schedule call","confidence_score":0.012149067}]},{"text":"Like, is there any rent that you haven't paid or electricity you haven't paid, a phone bill you haven't paid, a rego that you need to pay, anything like that that's not listed on like, I've that still you got have a as a I've still got about a $160 left to pay off on my electricity bill. perfect.","start_word":407,"end_word":465,"intents":[{"intent":"Resolve overdue expenses","confidence_score":0.0074833035}]},{"text":"If you have that bill, can you send me the bill as well showing showing the amount that's unpaid or, you know, even if it's all of it, whichever way?","start_word":584,"end_word":613,"intents":[{"intent":"Provide bill","confidence_score":0.092171736},{"intent":"Send bill","confidence_score":0.19213603}]},{"text":"Is there anything else that you have unpaid as well, phone bills or Internet bills or Any other bill that's come through? Not yet. Okay.","start_word":678,"end_word":702,"intents":[{"intent":"Request information","confidence_score":0.01298631}]},{"text":"And then, yeah, if you can take a retake a photo of the pages that you correct, that would be good.","start_word":1360,"end_word":1380,"intents":[{"intent":"Request photo of pages","confidence_score":0.066528305}]},{"text":"It takes them generally a week or two to review everything. If they require any additional evidence, they'll come back to us.","start_word":1404,"end_word":1425,"intents":[{"intent":"Review and show evidence","confidence_score":0.00038633883}]},{"text":"The other thing that would help is if you can send through a a bank statement just to show the coming ins and going outs on your bank because that just shows you have no money in the bank. Yeah.","start_word":1604,"end_word":1643,"intents":[{"intent":"Receive bank statement","confidence_score":0.0011685403},{"intent":"Confirm if bank has money","confidence_score":0.00042423952}]},{"text":"Just send send through that if you if you can download a yeah. Like, a month statement, that'd be fantastic, and that just shows everything there. Yep.","start_word":1687,"end_word":1713,"intents":[{"intent":"Send statements","confidence_score":0.08974276}]},{"text":"So so Does she that was she was paying a little bit for there for a while? Yes. Okay.","start_word":1790,"end_word":1808,"intents":[{"intent":"Identify potential payment arrangement","confidence_score":0.0000065268023}]},{"text":"If you can get those those those new screenshots through and they got a little bit of extra information through to me, I'll package it all up, and I'll send it on to Hub twenty four and get them to start the claim assessment. Okay? Yep.","start_word":1968,"end_word":2013,"intents":[{"intent":"Provide information","confidence_score":0.04305014},{"intent":"Obtain screenshots","confidence_score":0.006708901}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Bruce. Larissa here from OQ Financial. How are you going?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.1901779472827911},{"text":"Good. Thank you. That's good.","start_word":12,"end_word":16,"sentiment":"positive","sentiment_score":0.7330237627029419},{"text":"I was just giving you a call. I had a I've had a look over the claim forms that you sent me, and I was just wanting to have a chat with you. So if you had time now? Yes. I have money.","start_word":17,"end_word":59,"sentiment":"neutral","sentiment_score":0.13137531280517578},{"text":"Perfect.","start_word":60,"end_word":60,"sentiment":"positive","sentiment_score":0.5113221406936646},{"text":"Well, before I jump into it, I do need to let you know our call is recorded. And if I could just get you confirmed security for me, just full name, Yes. date of birth, and address. I'm Bruce Sharp. 1972. Unit 3, Number 7, Allen Street, Gaffney 4343.","start_word":61,"end_word":109,"sentiment":"neutral","sentiment_score":0.06739408522844315},{"text":"Perfect.","start_word":110,"end_word":110,"sentiment":"positive","sentiment_score":0.3335251212120056},{"text":"Okay. So I've had a look through the forms, and I noticed a couple of things that I need to point out and possibly get us to fix up before I send them through to Hub twenty four. Alright. Okay. But I made a mistake. We did make a little mistake, and that's okay. So on what would basically be, I guess, like, the siding page for you, it's it's the the the form that says, like, the declaration and signature. You've actually put Yes.","start_word":111,"end_word":195,"sentiment":"neutral","sentiment_score":-0.06668458133935928},{"text":"the eighth of the fifth, and I know that that sounds like a really nitpicky point.","start_word":196,"end_word":211,"sentiment":"negative","sentiment_score":-0.36255115270614624},{"text":"It's not the fifth month. No. We're in the fourth month or in April. Oh, Shiba. It's okay. It's easy enough to make a mistake like that. So we just need to, yeah, get that amended. So if you can just, like, cross out the fifth, write the fourth and and initial, that will cover that off and then take a photo and send it through to me. Sorry. Alright. Okay then. Yeah. So I I need I need you to just, you know, correct it and then just Yep. take a photo of that page and send it through.","start_word":212,"end_word":311,"sentiment":"neutral","sentiment_score":-0.0030575047712773085},{"text":"The other thing, like, the the the documents all filled out nicely, like, like, like, you know, it's got the stack deck done, which is perfect.","start_word":312,"end_word":337,"sentiment":"positive","sentiment_score":0.3775308430194855},{"text":"The page that has your fortnightly income, the section two page came through really blurry. So if you're able to take another photo of that page and send it through, Yep.","start_word":338,"end_word":368,"sentiment":"neutral","sentiment_score":-0.08475154638290405},{"text":"that would be great.","start_word":369,"end_word":372,"sentiment":"positive","sentiment_score":0.7005877494812012},{"text":"And then the one thing I noticed was the details of your expenses. I like, you obviously have all your expenses listed, but are there any overdue payments that you have that are pending? Like, is there any rent that you haven't paid or electricity you haven't paid, a phone bill you haven't paid, a rego that you need to pay, anything like that that's not listed on like, I've that still you got have a as a I've still got about a $160 left to pay off on my electricity bill.","start_word":373,"end_word":464,"sentiment":"neutral","sentiment_score":-0.10020318627357484},{"text":"perfect.","start_word":465,"end_word":465,"sentiment":"positive","sentiment_score":0.4534951150417328},{"text":"Can you write that down that you have the electricity expense of a $160? Because Yep. that's all evidence that helps us like, helps with the claim. And and it needs to because the whilst I can see that your expenses are higher than what your income is, Yes.","start_word":466,"end_word":514,"sentiment":"neutral","sentiment_score":0.02934812754392624},{"text":"the, like, the super fund can see that as you, I guess, living outside of your means and just, like, them giving you an injection of cash is not going to resolve the issue.","start_word":515,"end_word":548,"sentiment":"negative","sentiment_score":-0.39410966634750366},{"text":"So what what the money is realistically there for is to help when, you know, when there are overdue expenses. So us showing them overdue expenses is what we realistically need to do. Yep. Okay. If you have that bill, can you send me the bill as well showing showing the amount that's unpaid or, you know, even if it's all of it, whichever way? See, I've only got a on on a on a app, electricity bill, Marty. That's okay. You can just take a screenshot of that and send that through.","start_word":549,"end_word":641,"sentiment":"neutral","sentiment_score":0.0109557481482625},{"text":"That's absolutely fine.","start_word":642,"end_word":644,"sentiment":"positive","sentiment_score":0.4474732577800751},{"text":"If it's just Yep. on an app, that makes it easier anyway for for you. You can just, yeah, screenshot the the overdue amount, the part that's due, and send that through. Is there anything else that you have unpaid as well, phone bills or Internet bills or Any other bill that's come through? Not yet. Okay. Anything that you know that's upcoming? My Internet bill, but that won't come out and that won't come up until about the eleventh. Alright. Do you wanna can you put pop that down as, like, a as a bill that's overdue if you know how much that's gonna be? Because you I'm assuming we have no cash in the bank, so we're not gonna be able to pay for it. Yeah. Yeah. So that's okay.","start_word":645,"end_word":776,"sentiment":"neutral","sentiment_score":-0.04692282617995233},{"text":"So if you can pop that down.","start_word":777,"end_word":783,"sentiment":"positive","sentiment_score":0.34102049469947815},{"text":"So just pop in on that d so details of your expenses page where you've got food, $80, rent, running costs, medical costs. Yep. If you can pop in on, like, the right hand side, just pop a $160 and then just put water oh, what was it? What was the water? Sorry. Electricity in brackets, and then also pop in whatever your your Internet bill is, Yes. the amount. So if it's, you know, $80, whatever the case may be, pop that in and then just put, you know, Internet in brackets next to it as the expenses that are Yep. due. Yep. Okay. And, also, what what do your utilities generally cost you per fortnight? I know that's a really weird one to to sort of say, but, like, your your phone your phone phone and Internet costs, what are they per month? It's fine. It's 25. Because I just got I'm just on a prepaid one, mate. Yep. That's Is okay. that And yep. Internet? What's that? The cheapest one I've got is 72 a month. Okay. So that would mean that with 25 and 72, roughly, you know, I'd that's, say like, about 9 ninety 90 seven. $97 a month, Yep. which equates to sort of, like, $40. 40 $48 40 of $46 or 47? 40 yes. $48.50. 90 yes. $7.48 50 per fortnight. So you could Yep. pop that in your in your utilities is is that, but also you have water and electricity. So do you know Yep. what your last water and electricity bill were? 377 for the last electricity bill, Yep. and the water bill was about was it nearly $52? $52, and I'm assuming that was for the quarter? It No. times A month. four. That was for the month. Okay. So $3.77 and sorry. What was it? 42? 50 Yeah. 2. That's 50 2. yeah. The And $3.77, fifty that was the three months for the power. two. Cool. So that would be so if we go $3.77 times by four divided by 12 plus our 52 plus our $48.50, that's a $105 in utility Yep. bills. And that is Is your that that's your phone, that's the electricity, that's the Internet, and that's water. Yep. So So if that's you what? Fortinently? That's fortnightly. That's what it's costing you to to run the electricity. So under that on like, between the 80 and the $8.80 that you have on that column, if you put Yep. in Yep. a 100 just put a $101 in there because that's your utilities. That's water, right, electricity, gas, all the rest of the things. Yep. That covers that there. And then if you pop in the overdue amount, that's amount payable, you pop in the $160 that's due on the water bill, take a screenshot of the water bill, and send it to me. And then also I've just got a text from the real estate of it. That's all. for the sorry. Electricity Water bill. bill. I meant elect I meant electricity. Sorry. Sorry. Oh, I sorry. got Yes. myself I confused. Yeah. Get the is the water bill paid? Yes. Okay. Good.","start_word":784,"end_word":1313,"sentiment":"neutral","sentiment_score":0.02033682130277157},{"text":"Good. Good.","start_word":1314,"end_word":1315,"sentiment":"positive","sentiment_score":0.392774760723114},{"text":"Cool. Yeah. The electricity bill. If you just if you send through what's unpaid on the electricity bill, so we can I can get that we can get that added and just pop in what's due there? Yes.","start_word":1316,"end_word":1353,"sentiment":"neutral","sentiment_score":0.03652627315176161},{"text":"That'll cover everything there. Yeah. And then, yeah, if you can take a retake a photo of the pages that you correct, that would be good.","start_word":1354,"end_word":1379,"sentiment":"positive","sentiment_score":0.3902124762535095},{"text":"And then what I'll do is I'll I'll send everything off. Okay? Yep. So how long I should I said that, shouldn't I? It takes them generally a week or two to review everything. If they require any additional evidence, they'll come back to us. Alright. It It's gonna take a little bit longer for me. it take Yeah. it takes it takes a week or two for them to actually look it over. It goes to Hub twenty four to the trustee, and they look at it all. The more evidence we can show them on the front end, the quicker the process goes, Yep. which is why I always like to have a look over the documents, make sure that they're correct before we just line send them because, otherwise, it's just gonna delay things for you. Whereas, you know, if I just stop and have a look for, you know, half hour to an hour over all the documents you sent, order them and just make sure that we're sort of looking kosher, Yep. you know, quick phone call to to straighten out anything that we might have missed, then we can, you know, make sure that we have a a better a better chance of us actually getting everything through. Yes. So that's what we need to do there. The other thing that would help is if you can send through a a bank statement just to show the coming ins and going outs on your bank because that just shows you have no money in the bank. Yeah. How long well, a month's worth? Or That'll be fine. A month, that's totally fine. Because that'll yep. show everything. Because I'm assuming we have nothing in the bank at the moment. Okay. No. It's only probably about 80<unk> there, mate. Okay. Yeah. Just send send through that if you if you can download a yeah.","start_word":1380,"end_word":1699,"sentiment":"neutral","sentiment_score":0.029837629554094747},{"text":"Like, a month statement, that'd be fantastic, and that just shows everything there.","start_word":1700,"end_word":1712,"sentiment":"positive","sentiment_score":0.647148847579956},{"text":"Yep. It'll show the Centrelink statement the Centrelink money going in and all the bills going out. Now I had someone living with me there, but she's not living with me no more. But she used to trans like, she used to transfer a week weeks rent over to me every fortnight. That'll come up on the statement. That's okay. So that was when was that? In the last month? She moved out there last weekend. Okay. So so Does she that was she was paying a little bit for there for a while? Yes. Okay. That's okay. So just in your email, just if you can write that down. Just state that Yep. you had a short term border who paid blah per fortnight. That arrangement stays on blah day. Yeah. Because how how how I worked it with her, I'd pay one week and she'd pay the next week's rent. Do you know what I mean? Yeah. Yeah. Very much. Yeah. Okay. So she she owes nothing more. She's she's left, Yep. and No. that's that's yeah. Yeah. Okay. She just got up and left, and she reckons it was too late to leave here. But where what gets me money, where she moved to, it's a lot more dear dear to live up that way than down here. You know what I mean? Yeah. Maybe she's gonna share house with more people or something. No? No. No. People So people make silly decisions sometimes, but that's okay. Uh-huh. Cool. So that yeah. If you can get those those those new screenshots through and they got a little bit of extra information through to me, I'll package it all up, and I'll send it on to Hub twenty four and get them to start the claim assessment. Okay? Yep. Okay then. Okay.","start_word":1713,"end_word":2016,"sentiment":"neutral","sentiment_score":0.014410078525543211},{"text":"Perfect.","start_word":2017,"end_word":2017,"sentiment":"positive","sentiment_score":0.4948520362377167},{"text":"I'll leave it with you, and I'll wait for your email. Okay? Yep. Okay then.","start_word":2017,"end_word":2031,"sentiment":"neutral","sentiment_score":0.1473585069179535},{"text":"Thank you.","start_word":2032,"end_word":2033,"sentiment":"positive","sentiment_score":0.6540412902832031},{"text":"No.","start_word":2034,"end_word":2034,"sentiment":"neutral","sentiment_score":0.245138019323349},{"text":"No problems at all. Thanks for the time, Bruce.","start_word":2035,"end_word":2043,"sentiment":"positive","sentiment_score":0.6556049585342407},{"text":"K.","start_word":2044,"end_word":2044,"sentiment":"neutral","sentiment_score":0.3331720232963562},{"text":"Thank you. Bye.","start_word":2045,"end_word":2047,"sentiment":"positive","sentiment_score":0.5029403567314148},{"text":"K. Bye.","start_word":2048,"end_word":2049,"sentiment":"neutral","sentiment_score":0.15590469539165497}],"average":{"sentiment":"neutral","sentiment_score":0.027439689052943424}}}}