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But I had a little bit of time this afternoon. I thought I'd try and give you a call, if that was okay. But before I jump into it, I do need to let you know that our calls are recorded. Is that okay? I am so sorry, darling. I am losing my voice. I'm getting a bit sick. Nope. I've got you, though. Now Jordan gave me a rundown on your situation, and then I've gone through and had a look at your file notes that we have on file for you. Because I know that you had a conversation with one of my colleagues back late last year as well. And I guess right now, what I wanna do is I wanna get a full picture of where of where you where you're at. Because from my understanding, I know you've had a really rough couple years. You were helping a a lady out for a period of time. I know you're currently living in your caravan. And and are you receiving Centrelink benefits not currently working? Yeah. Yeah. Okay. So can I just really quickly ask, who told you about the shared portfolio with Oakview? Okay. That's okay. So I I think that, like, there needs to be some decent clarity around this. You have a share portfolio, but it's your superannuation portfolio. You don't have any shares personally that you own that are accessible. The only shares that you own are those that are under your superannuation account, so they're restricted from being able to be accessed. However yeah. However, based on the fact that you are set to be kicked out of the caravan park and that's with our place of living, we might be able to go to the ATO under Compassionate Grounds and request for a release from your super fund under Compassionate Grounds claims given that the financial hardship, which is direct with the Superfund, won't release money. The way to do the Compassionate Grounds claims is through your myGov account under compassionate grounds release, and you would basically utilize the foreclosure of your home as as the grounds on what you're on on how you're claiming, because that would that would basically be where you're at is that, you know, the the caravan parker are gonna kick you out. But how much the ATO will release, I obviously can't attest to that. It's very, very, very, very out of my hands, and I, before I called you, have looked at every avenue because I I even did some exhaustive research on, like, Salvation Army, Vinnies, Anglicare, even like, I looked at men the men's shed. There's a couple of men's sheds around near in your location, which I really, really recommend that you do look at attending a men's shed event. A, for your mental Yeah. Have you called have you called the creditors or, like, the the bankers of the act and gone on the financial hardship? Requested a financial hardship. Yes. They want to consider it. Is there any way you can talk talk to the caravan park about extending it till the seven weeks? No. Yeah. Yep. Do you have you know, do you have any family that resides Yeah. And you're in a caravan caravan, I'm assuming. Not a So so no. So so just you're in a motor home, not a caravan, so it's a a vehicle that's drivable without a car. Correct? And you own that outright? So have you considered surrendering your car, which removes it removes the need for you to have the loan repayments. You still have a vehicle. You can pay monthly registration on that vehicle. You no longer have to register two vehicles. Okay. Sorry. The way forward in in in regards to accessing money, the ATO is and the compassionate release claim is gonna be the way we need to go about it to get money out of your super fund under the foreclosure component. In regards to the car, I I really, really understand what you're saying. I I I do, and I'm not trying to discredit the fact that the car is important. But from for all intents and purposes, what we're currently saying is that you are $40 in the whole, and you owe $40 for a car in which you are $3 in arrears on that payment. That car is currently not serving a purpose because we don't currently have a job. What we do currently have is an e scooter, which is a motor transport. Yes. I understand completely that it's not ideal when it's raining, and I understand rain season's around the corner. But you also have a motor home. I understand that it doesn't currently move, that that motor home needs to remain an asset to you and accessible to you because otherwise you are on the street. Currently, you are dry and you have a place to actually put your head that's warm and dry. So I wanna keep I wanna keep that that asset is more important than the car. The car, yes, I get it. It it's important, and it gets you to where you need to be. But, realistically speaking, the motor home, if we can get it to have an overhaul mechanically, then it can be it can serve as both a home and a vehicle to get you from a to b. So I think we need to surrender the car as much as that hurts and as much as we we might wanna keep it. The car needs to be surrendered back to the lender to clear the debt because you you you currently can't service it. And then once we're back on our feet, we can go and find another car. But instead of buying a 40 car, maybe we go and grab a 4 or $5 car, something that we we can serve it serves serves what we need to do. Obviously, I understand once we have a job, we're gonna be in a much better position because we'll have good income coming in and all happens. But right now, unless you can get a job today and that job is able to pay you by the end of the week or is able to pay you ahead of time, The circumstance is is that we don't currently have any money outside of Centrelink. So I think it's a serious you you're gonna need to seriously think over the weekend about with respect to the car, do we do we actually go to rent it to, you know, make make the call to to the lender, to the person that you know, the people that have the loan for that vehicle and inform them that you're gonna surrender the car, have a conversation with them about what that looks like. Mhmm. It reduces down on the amount of debts that you have on where you currently sit. It means that you're no longer trying to sink money into a vehicle that, realistically, you don't have the affordability to be able to run at full capacity right now anyway. If we can get the camper trailer, the the the camper van up and running, then you have both a vehicle and a home. You become a turtle, so to speak, which means that you're safe and secure and still have somewhere to reside because the camper van is gonna be a lot more comfortable than trying to sleep in the back of a 40,000 car that you can't afford. Now with the ATO, I can send you an email on how to lodge that application because it's with the with myGov. I obviously don't have access to your myGov. I would never and no one ever should ask to gain access to your myGov. It has a lot of your personal information in it. So it is an application that you're gonna have to submit yourself. Obviously, the sec like, once once it's once it's approved, you know, I will I will make sure the money from Hub twenty four is released immediately. But the ATO have to be the one to approve it. You can put an escalation statement on the application. The ATO are actually pretty quick at reviewing the applications, to be honest. They're not too bad. And you have all the documents, which is good. That's going to get you money. I just can't tell you how much money, but that will get you money once the ATO review it and have a look at it. We can obviously still go ahead in seven weeks' time and look at releasing money from super under financial hardship as well, and that'll be $10 less taxes. So it'll be about 7 and a half in hand, And that'll give you more money to get you back on your feet a little bit more, and it'll allow you to breathe. It's not gonna bring you your car back, but, realistically, at this point, we need to forget about the luxuries and we need to be conserving. Have you ever heard of Maslow's hierarchy of needs? Cool. Right now, we're at the base need and we're trying to make sure that you have your safety. And how we do that is food, air, water, shelter. So we need to conserve the food. We need to conserve the shelter. That is our base needs, and we need to make sure that that's what we're conserving and that's what we're keeping safe for you. Alright? If I had $10 to give you personally, I would, but I I I don't. I don't have anything that I could give you personally. But what I will do is I will send you an email now, and I will just double check. Your email address is misterniceguy@misterniceguy1211612atgmail.com? Yeah. Alright. I will send you an email now with the compassionate grant Compassionate Grounds steps. As I said, you're gonna go under a foreclosure of your home claim. That's essentially what you're you're claiming for and go through that way. Outside of that, how and you said that you contacted all the services around your area. Did they come back to you with anything? Have they given you food vouchers? Have they assisted in any way? Okay. Yeah. I know. I know. And there is light at the end of the tunnel that you do have that money, and that comes to you one day. Hey. It's just not not necessarily today, but it is yours. It's just we have to wait for it. So right now, what we're gonna do is I'm sending you an email. You're gonna spend the afternoon doing the application to the ATO. And then on Monday, I'm giving you a call, and we're gonna touch base together again. I'm going to sit down and spend my weekend doing some research and seeing if there's any other avenues that we have that you haven't looked into that I can think of. I'm gonna reach out to a few of my contacts to see where we can go. I want you to really, really think about forfeiting that vehicle. I I understand that it is a massive ask, but, realistically, the only other avenue we have is bankruptcy, which means that you lose it anyway. And that's kind of where everyone's gonna start pushing soon. K. It's not the end of the world to go bankrupt. People come back from it. It's okay. It's just gonna exact exactly as I said, Maslow's hierarchy of needs. We're just gonna deal with that base need right now, which is safety and security. We're just gonna make sure that you are safe and secure through your belly, shelter overhead. Okay? And I know I know that money does fix that. Money makes the world go round, but there's things we can do to make that happen. Forfeiting the vehicle means that that full that $3,000 that's owed is no longer owed. It means that from your Centrelink payment, money can be directed to the caravan park. So that way, you still have access to your vehicle, and you stay where you are in a safe environment with people that obviously care about you considering they're sharing their food. Okay? You don't have no one. You have people, and they're obviously caring. K? We just need to make some hard decisions and get rid of things that we may might not wanna get rid of. The car's a massive one, unfortunately. Okay. So I want you to really think about it over the weekend. We will talk about it on Monday morning at 9AM. I will still call you, but I'm gonna sit down and send you an email right now so you can do the ATO stuff. Okay? Okay. And I will talk to you Monday morning. Deal? You're welcome, Matthew. Speak to you then. Thank you. You have a good weekend too, and we'll speak soon. That's fine. Bye, 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Matthew. My name is Larissa from Brookview Financial. How are you going? Yeah. Good.\n\nThank you. I know you spoke with Jordan not too long ago, and she popped you in my calendar for Monday. But I had a little bit of time this afternoon. I thought I'd try and give you a call, if that was okay. But before I jump into it, I do need to let you know that our calls are recorded.\n\nIs that okay? I am so sorry, darling. I am losing my voice. I'm getting a bit sick. Nope.\n\nI've got you, though. Now Jordan gave me a rundown on your situation, and then I've gone through and had a look at your file notes that we have on file for you. Because I know that you had a conversation with one of my colleagues back late last year as well. And I guess right now, what I wanna do is I wanna get a full picture of where of where you where you're at. Because from my understanding, I know you've had a really rough couple years.\n\nYou were helping a a lady out for a period of time. I know you're currently living in your caravan. And and are you receiving Centrelink benefits not currently working? Yeah. Yeah.\n\nOkay. So can I just really quickly ask, who told you about the shared portfolio with Oakview? Okay. That's okay. So I I think that, like, there needs to be some decent clarity around this.\n\nYou have a share portfolio, but it's your superannuation portfolio. You don't have any shares personally that you own that are accessible. The only shares that you own are those that are under your superannuation account, so they're restricted from being able to be accessed. However yeah. However, based on the fact that you are set to be kicked out of the caravan park and that's with our place of living, we might be able to go to the ATO under Compassionate Grounds and request for a release from your super fund under Compassionate Grounds claims given that the financial hardship, which is direct with the Superfund, won't release money.\n\nThe way to do the Compassionate Grounds claims is through your myGov account under compassionate grounds release, and you would basically utilize the foreclosure of your home as as the grounds on what you're on on how you're claiming, because that would that would basically be where you're at is that, you know, the the caravan parker are gonna kick you out. But how much the ATO will release, I obviously can't attest to that. It's very, very, very, very out of my hands, and I, before I called you, have looked at every avenue because I I even did some exhaustive research on, like, Salvation Army, Vinnies, Anglicare, even like, I looked at men the men's shed. There's a couple of men's sheds around near in your location, which I really, really recommend that you do look at attending a men's shed event. A, for your mental Yeah.\n\nHave you called have you called the creditors or, like, the the bankers of the act and gone on the financial hardship? Requested a financial hardship. Yes. They want to consider it. Is there any way you can talk talk to the caravan park about extending it till the seven weeks?\n\nNo. Yeah. Yep. Do you have you know, do you have any family that resides Yeah. And you're in a caravan caravan, I'm assuming.\n\nNot a So so no. So so just you're in a motor home, not a caravan, so it's a a vehicle that's drivable without a car. Correct? And you own that outright? So have you considered surrendering your car, which removes it removes the need for you to have the loan repayments.\n\nYou still have a vehicle. You can pay monthly registration on that vehicle. You no longer have to register two vehicles. Okay. Sorry.\n\nThe way forward in in in regards to accessing money, the ATO is and the compassionate release claim is gonna be the way we need to go about it to get money out of your super fund under the foreclosure component. In regards to the car, I I really, really understand what you're saying. I I I do, and I'm not trying to discredit the fact that the car is important. But from for all intents and purposes, what we're currently saying is that you are $40 in the whole, and you owe $40 for a car in which you are $3 in arrears on that payment. That car is currently not serving a purpose because we don't currently have a job.\n\nWhat we do currently have is an e scooter, which is a motor transport. Yes. I understand completely that it's not ideal when it's raining, and I understand rain season's around the corner. But you also have a motor home. I understand that it doesn't currently move, that that motor home needs to remain an asset to you and accessible to you because otherwise you are on the street.\n\nCurrently, you are dry and you have a place to actually put your head that's warm and dry. So I wanna keep I wanna keep that that asset is more important than the car. The car, yes, I get it. It it's important, and it gets you to where you need to be. But, realistically speaking, the motor home, if we can get it to have an overhaul mechanically, then it can be it can serve as both a home and a vehicle to get you from a to b.\n\nSo I think we need to surrender the car as much as that hurts and as much as we we might wanna keep it. The car needs to be surrendered back to the lender to clear the debt because you you you currently can't service it. And then once we're back on our feet, we can go and find another car. But instead of buying a 40 car, maybe we go and grab a 4 or $5 car, something that we we can serve it serves serves what we need to do. Obviously, I understand once we have a job, we're gonna be in a much better position because we'll have good income coming in and all happens.\n\nBut right now, unless you can get a job today and that job is able to pay you by the end of the week or is able to pay you ahead of time, The circumstance is is that we don't currently have any money outside of Centrelink. So I think it's a serious you you're gonna need to seriously think over the weekend about with respect to the car, do we do we actually go to rent it to, you know, make make the call to to the lender, to the person that you know, the people that have the loan for that vehicle and inform them that you're gonna surrender the car, have a conversation with them about what that looks like. Mhmm. It reduces down on the amount of debts that you have on where you currently sit. It means that you're no longer trying to sink money into a vehicle that, realistically, you don't have the affordability to be able to run at full capacity right now anyway.\n\nIf we can get the camper trailer, the the the camper van up and running, then you have both a vehicle and a home. You become a turtle, so to speak, which means that you're safe and secure and still have somewhere to reside because the camper van is gonna be a lot more comfortable than trying to sleep in the back of a 40,000 car that you can't afford. Now with the ATO, I can send you an email on how to lodge that application because it's with the with myGov. I obviously don't have access to your myGov. I would never and no one ever should ask to gain access to your myGov.\n\nIt has a lot of your personal information in it. So it is an application that you're gonna have to submit yourself. Obviously, the sec like, once once it's once it's approved, you know, I will I will make sure the money from Hub twenty four is released immediately. But the ATO have to be the one to approve it. You can put an escalation statement on the application.\n\nThe ATO are actually pretty quick at reviewing the applications, to be honest. They're not too bad. And you have all the documents, which is good. That's going to get you money. I just can't tell you how much money, but that will get you money once the ATO review it and have a look at it.\n\nWe can obviously still go ahead in seven weeks' time and look at releasing money from super under financial hardship as well, and that'll be $10 less taxes. So it'll be about 7 and a half in hand, And that'll give you more money to get you back on your feet a little bit more, and it'll allow you to breathe. It's not gonna bring you your car back, but, realistically, at this point, we need to forget about the luxuries and we need to be conserving. Have you ever heard of Maslow's hierarchy of needs? Cool.\n\nRight now, we're at the base need and we're trying to make sure that you have your safety. And how we do that is food, air, water, shelter. So we need to conserve the food. We need to conserve the shelter. That is our base needs, and we need to make sure that that's what we're conserving and that's what we're keeping safe for you.\n\nAlright? If I had $10 to give you personally, I would, but I I I don't. I don't have anything that I could give you personally. But what I will do is I will send you an email now, and I will just double check. Your email address is misterniceguy@misterniceguy1211612atgmail.com?\n\nYeah. Alright. I will send you an email now with the compassionate grant Compassionate Grounds steps. As I said, you're gonna go under a foreclosure of your home claim. That's essentially what you're you're claiming for and go through that way.\n\nOutside of that, how and you said that you contacted all the services around your area. Did they come back to you with anything? Have they given you food vouchers? Have they assisted in any way? Okay.\n\nYeah. I know. I know. And there is light at the end of the tunnel that you do have that money, and that comes to you one day. Hey.\n\nIt's just not not necessarily today, but it is yours. It's just we have to wait for it. So right now, what we're gonna do is I'm sending you an email. You're gonna spend the afternoon doing the application to the ATO. And then on Monday, I'm giving you a call, and we're gonna touch base together again.\n\nI'm going to sit down and spend my weekend doing some research and seeing if there's any other avenues that we have that you haven't looked into that I can think of. I'm gonna reach out to a few of my contacts to see where we can go. I want you to really, really think about forfeiting that vehicle. I I understand that it is a massive ask, but, realistically, the only other avenue we have is bankruptcy, which means that you lose it anyway. And that's kind of where everyone's gonna start pushing soon.\n\nK. It's not the end of the world to go bankrupt. People come back from it. It's okay. It's just gonna exact exactly as I said, Maslow's hierarchy of needs.\n\nWe're just gonna deal with that base need right now, which is safety and security. We're just gonna make sure that you are safe and secure through your belly, shelter overhead. Okay? And I know I know that money does fix that. Money makes the world go round, but there's things we can do to make that happen.\n\nForfeiting the vehicle means that that full that $3,000 that's owed is no longer owed. It means that from your Centrelink payment, money can be directed to the caravan park. So that way, you still have access to your vehicle, and you stay where you are in a safe environment with people that obviously care about you considering they're sharing their food. Okay? You don't have no one.\n\nYou have people, and they're obviously caring. K? We just need to make some hard decisions and get rid of things that we may might not wanna get rid of. The car's a massive one, unfortunately. Okay.\n\nSo I want you to really think about it over the weekend. We will talk about it on Monday morning at 9AM. I will still call you, but I'm gonna sit down and send you an email right now so you can do the ATO stuff. Okay? Okay.\n\nAnd I will talk to you Monday morning. Deal? You're welcome, Matthew. Speak to you then. Thank you.\n\nYou have a good weekend too, and we'll speak soon. That's fine. Bye, Matthew.","paragraphs":[{"sentences":[{"text":"Hi, Matthew.","start":2.8,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.1439923346042633},{"text":"My name is Larissa from Brookview Financial.","start":3.6799998,"end":6.16,"sentiment":"neutral","sentiment_score":0.16042892847742354},{"text":"How are you going?","start":6.16,"end":7.06,"sentiment":"neutral","sentiment_score":0.20303091034293175},{"text":"Yeah.","start":10.48,"end":10.88,"sentiment":"neutral","sentiment_score":0.22981911897659305},{"text":"Good.","start":10.88,"end":11.28,"sentiment":"positive","sentiment_score":0.46684807538986206}],"sentiment":"neutral","sentiment_score":0.19465186695257822,"num_words":15,"start":2.8,"end":11.28},{"sentences":[{"text":"Thank you.","start":11.28,"end":12.179999,"sentiment":"positive","sentiment_score":0.5285308957099915},{"text":"I know you spoke with Jordan not too long ago, and she popped you in my calendar for Monday.","start":13.415,"end":19.994999,"sentiment":"neutral","sentiment_score":0.1253099172915283},{"text":"But I had a little bit of time this afternoon.","start":20.535,"end":23.255001,"sentiment":"neutral","sentiment_score":0.01201854795217514},{"text":"I thought I'd try and give you a call, if that was okay.","start":23.255001,"end":26.314999,"sentiment":"neutral","sentiment_score":0.08741297057041755},{"text":"But before I jump into it, I do need to let you know that our calls are recorded.","start":30.619999,"end":36.059998,"sentiment":"neutral","sentiment_score":-0.0002440103433198401}],"sentiment":"neutral","sentiment_score":0.07564696985026521,"num_words":62,"start":11.28,"end":36.059998},{"sentences":[{"text":"Is that okay?","start":36.059998,"end":36.879997,"sentiment":"neutral","sentiment_score":0.02212348332007726},{"text":"I am so sorry, darling.","start":42.475,"end":43.675,"sentiment":"negative","sentiment_score":-0.5186239421367645},{"text":"I am losing my voice.","start":43.675,"end":44.555,"sentiment":"negative","sentiment_score":-0.7185798048973083},{"text":"I'm getting a bit sick.","start":44.555,"end":45.774998,"sentiment":"negative","sentiment_score":-0.6797884106636047},{"text":"Nope.","start":59.77,"end":60.27,"sentiment":"neutral","sentiment_score":-0.1849723756313324}],"sentiment":"negative","sentiment_score":-0.5107138270610257,"num_words":19,"start":36.059998,"end":60.27},{"sentences":[{"text":"I've got you, though.","start":60.33,"end":61.550003,"sentiment":"neutral","sentiment_score":-0.08820347115397453},{"text":"Now Jordan gave me a rundown on your situation, and then I've gone through and had a look at your file notes that we have on file for you.","start":63.050003,"end":71.585,"sentiment":"neutral","sentiment_score":0.06219298212692655},{"text":"Because I know that you had a conversation with one of my colleagues back late last year as well.","start":72.924995,"end":79.659996,"sentiment":"neutral","sentiment_score":0.01890895809782179},{"text":"And I guess right now, what I wanna do is I wanna get a full picture of where of where you where you're at.","start":80.28,"end":87.0,"sentiment":"neutral","sentiment_score":0.04977106132234136},{"text":"Because from my understanding, I know you've had a really rough couple years.","start":87.0,"end":91.74,"sentiment":"neutral","sentiment_score":-0.18550334240381533}],"sentiment":"neutral","sentiment_score":0.006663087881013249,"num_words":89,"start":60.33,"end":91.74},{"sentences":[{"text":"You were helping a a lady out for a period of time.","start":92.825005,"end":96.285,"sentiment":"neutral","sentiment_score":-0.15457796305418015},{"text":"I know you're currently living in your caravan.","start":96.825005,"end":98.765,"sentiment":"neutral","sentiment_score":-0.046662078239023685},{"text":"And and are you receiving Centrelink benefits not currently working?","start":99.545,"end":106.285,"sentiment":"neutral","sentiment_score":-0.0318242397159338},{"text":"Yeah.","start":311.755,"end":312.255,"sentiment":"neutral","sentiment_score":-0.04151697456836701},{"text":"Yeah.","start":381.49002,"end":381.99002,"sentiment":"neutral","sentiment_score":-0.101377472281456}],"sentiment":"neutral","sentiment_score":-0.08404278208035976,"num_words":32,"start":92.825005,"end":381.99002},{"sentences":[{"text":"Okay.","start":695.88995,"end":696.38995,"sentiment":"neutral","sentiment_score":0.03479914367198944},{"text":"So can I just really quickly ask, who told you about the shared portfolio with Oakview?","start":696.44995,"end":703.235,"sentiment":"neutral","sentiment_score":0.011104340257588774},{"text":"Okay.","start":712.91003,"end":713.23004,"sentiment":"neutral","sentiment_score":0.012681265361607076},{"text":"That's okay.","start":713.23004,"end":713.87,"sentiment":"neutral","sentiment_score":0.029987936839461327},{"text":"So I I think that, like, there needs to be some decent clarity around this.","start":713.87,"end":720.13,"sentiment":"neutral","sentiment_score":-0.07496052036682764}],"sentiment":"neutral","sentiment_score":-0.023979487961956432,"num_words":35,"start":695.88995,"end":720.13},{"sentences":[{"text":"You have a share portfolio, but it's your superannuation portfolio.","start":720.59,"end":725.96497,"sentiment":"neutral","sentiment_score":-0.06427812688052655},{"text":"You don't have any shares personally that you own that are accessible.","start":726.825,"end":732.605,"sentiment":"neutral","sentiment_score":-0.1102569866925478},{"text":"The only shares that you own are those that are under your superannuation account, so they're restricted from being able to be accessed.","start":732.665,"end":742.62,"sentiment":"neutral","sentiment_score":-0.1230095184367636},{"text":"However yeah.","start":748.935,"end":751.115,"sentiment":"neutral","sentiment_score":-0.10277844592928886},{"text":"However, based on the fact that you are set to be kicked out of the caravan park and that's with our place of living, we might be able to go to the ATO under Compassionate Grounds and request for a release from your super fund under Compassionate Grounds claims given that the financial hardship, which is direct with the Superfund, won't release money.","start":754.375,"end":783.065,"sentiment":"negative","sentiment_score":-0.37573723305785467}],"sentiment":"neutral","sentiment_score":-0.26065533279695297,"num_words":110,"start":720.59,"end":783.065},{"sentences":[{"text":"The way to do the Compassionate Grounds claims is through your myGov account under compassionate grounds release, and you would basically utilize the foreclosure of your home as as the grounds on what you're on on how you're claiming, because that would that would basically be where you're at is that, you know, the the caravan parker are gonna kick you out.","start":786.325,"end":816.07,"sentiment":"neutral","sentiment_score":-0.12870496565536146},{"text":"But how much the ATO will release, I obviously can't attest to that.","start":816.29004,"end":824.47003,"sentiment":"neutral","sentiment_score":-0.1449994043661998},{"text":"It's very, very, very, very out of my hands, and I, before I called you, have looked at every avenue because I I even did some exhaustive research on, like, Salvation Army, Vinnies, Anglicare, even like, I looked at men the men's shed.","start":825.73004,"end":842.075,"sentiment":"neutral","sentiment_score":-0.133438547076874},{"text":"There's a couple of men's sheds around near in your location, which I really, really recommend that you do look at attending a men's shed event.","start":842.075,"end":850.23,"sentiment":"positive","sentiment_score":0.3918885491215266},{"text":"A, for your mental Yeah.","start":850.85,"end":936.925,"sentiment":"neutral","sentiment_score":0.1479783833026886}],"sentiment":"neutral","sentiment_score":-0.03136619770486883,"num_words":149,"start":786.325,"end":936.925},{"sentences":[{"text":"Have you called have you called the creditors or, like, the the bankers of the act and gone on the financial hardship?","start":952.395,"end":958.815,"sentiment":"neutral","sentiment_score":-0.19558315114541489},{"text":"Requested a financial hardship.","start":959.275,"end":960.97504,"sentiment":"neutral","sentiment_score":-0.2401418276131153},{"text":"Yes.","start":1006.375,"end":1006.775,"sentiment":"neutral","sentiment_score":-0.1578221321105957},{"text":"They want to consider it.","start":1006.775,"end":1008.23505,"sentiment":"neutral","sentiment_score":-0.28480795621871946},{"text":"Is there any way you can talk talk to the caravan park about extending it till the seven weeks?","start":1021.91,"end":1027.595,"sentiment":"neutral","sentiment_score":-0.11437451133602544}],"sentiment":"neutral","sentiment_score":-0.1768308679262797,"num_words":51,"start":952.395,"end":1027.595},{"sentences":[{"text":"No.","start":1035.175,"end":1035.675,"sentiment":"negative","sentiment_score":-0.35537832975387573},{"text":"Yeah.","start":1119.78,"end":1120.28,"sentiment":"neutral","sentiment_score":-0.11539967358112337},{"text":"Yep.","start":1126.275,"end":1126.775,"sentiment":"neutral","sentiment_score":-0.22475264966487885},{"text":"Do you have you know, do you have any family that resides Yeah.","start":1206.335,"end":1279.625,"sentiment":"neutral","sentiment_score":-0.21788563808569542},{"text":"And you're in a caravan caravan, I'm assuming.","start":1280.1649,"end":1283.5449,"sentiment":"neutral","sentiment_score":-0.02674651611596346}],"sentiment":"neutral","sentiment_score":-0.1559173365434011,"num_words":24,"start":1035.175,"end":1283.5449},{"sentences":[{"text":"Not a So so no.","start":1283.845,"end":1306.675,"sentiment":"neutral","sentiment_score":-0.07420379742980003},{"text":"So so just you're in a motor home, not a caravan, so it's a a vehicle that's drivable without a car.","start":1311.71,"end":1320.59,"sentiment":"neutral","sentiment_score":0.0010270813391322175},{"text":"Correct?","start":1320.59,"end":1321.09,"sentiment":"neutral","sentiment_score":0.04002103582024574},{"text":"And you own that outright?","start":1323.355,"end":1324.655,"sentiment":"neutral","sentiment_score":0.13443632423877716},{"text":"So have you considered surrendering your car, which removes it removes the need for you to have the loan repayments.","start":1327.915,"end":1337.87,"sentiment":"neutral","sentiment_score":0.1717679314315319}],"sentiment":"neutral","sentiment_score":0.07304059628110665,"num_words":52,"start":1283.845,"end":1337.87},{"sentences":[{"text":"You still have a vehicle.","start":1338.41,"end":1339.63,"sentiment":"neutral","sentiment_score":0.21827920377254487},{"text":"You can pay monthly registration on that vehicle.","start":1340.5701,"end":1344.17,"sentiment":"neutral","sentiment_score":0.2671221178025007},{"text":"You no longer have to register two vehicles.","start":1344.17,"end":1347.15,"sentiment":"neutral","sentiment_score":0.12061549257487059},{"text":"Okay.","start":1541.74,"end":1542.24,"sentiment":"neutral","sentiment_score":-0.06326672434806824},{"text":"Sorry.","start":1545.725,"end":1546.225,"sentiment":"neutral","sentiment_score":-0.1256788969039917}],"sentiment":"neutral","sentiment_score":0.17410222959259283,"num_words":23,"start":1338.41,"end":1546.225},{"sentences":[{"text":"The way forward in in in regards to accessing money, the ATO is and the compassionate release claim is gonna be the way we need to go about it to get money out of your super fund under the foreclosure component.","start":1551.725,"end":1572.895,"sentiment":"neutral","sentiment_score":-0.004131235863740851},{"text":"In regards to the car, I I really, really understand what you're saying.","start":1575.8351,"end":1580.255,"sentiment":"neutral","sentiment_score":-0.11803887727168891},{"text":"I I I do, and I'm not trying to discredit the fact that the car is important.","start":1580.39,"end":1584.5701,"sentiment":"neutral","sentiment_score":-0.183638338218717},{"text":"But from for all intents and purposes, what we're currently saying is that you are $40 in the whole, and you owe $40 for a car in which you are $3 in arrears on that payment.","start":1585.43,"end":1597.675,"sentiment":"neutral","sentiment_score":-0.17363419259587923},{"text":"That car is currently not serving a purpose because we don't currently have a job.","start":1598.535,"end":1605.895,"sentiment":"negative","sentiment_score":-0.5378334065278371}],"sentiment":"neutral","sentiment_score":-0.15691860537731744,"num_words":122,"start":1551.725,"end":1605.895},{"sentences":[{"text":"What we do currently have is an e scooter, which is a motor transport.","start":1605.895,"end":1609.83,"sentiment":"neutral","sentiment_score":0.06065751825060163},{"text":"Yes.","start":1609.89,"end":1610.21,"sentiment":"neutral","sentiment_score":0.1172761619091034},{"text":"I understand completely that it's not ideal when it's raining, and I understand rain season's around the corner.","start":1610.21,"end":1615.67,"sentiment":"neutral","sentiment_score":-0.15293498088916144},{"text":"But you also have a motor home.","start":1617.01,"end":1618.53,"sentiment":"neutral","sentiment_score":0.0695948281458446},{"text":"I understand that it doesn't currently move, that that motor home needs to remain an asset to you and accessible to you because otherwise you are on the street.","start":1618.53,"end":1630.165,"sentiment":"neutral","sentiment_score":0.11890163349694219}],"sentiment":"neutral","sentiment_score":0.031144390287606613,"num_words":69,"start":1605.895,"end":1630.165},{"sentences":[{"text":"Currently, you are dry and you have a place to actually put your head that's warm and dry.","start":1630.165,"end":1635.9451,"sentiment":"neutral","sentiment_score":0.1382013964984152},{"text":"So I wanna keep I wanna keep that that asset is more important than the car.","start":1636.4299,"end":1642.2899,"sentiment":"positive","sentiment_score":0.440319187939167},{"text":"The car, yes, I get it.","start":1642.4299,"end":1643.63,"sentiment":"positive","sentiment_score":0.3949018617471059},{"text":"It it's important, and it gets you to where you need to be.","start":1643.63,"end":1646.45,"sentiment":"positive","sentiment_score":0.47543436059584987},{"text":"But, realistically speaking, the motor home, if we can get it to have an overhaul mechanically, then it can be it can serve as both a home and a vehicle to get you from a to b.","start":1646.83,"end":1660.685,"sentiment":"neutral","sentiment_score":0.2978874789299192}],"sentiment":"neutral","sentiment_score":0.3233847413625982,"num_words":90,"start":1630.165,"end":1660.685},{"sentences":[{"text":"So I think we need to surrender the car as much as that hurts and as much as we we might wanna keep it.","start":1663.0801,"end":1671.1,"sentiment":"neutral","sentiment_score":-0.2650207420811057},{"text":"The car needs to be surrendered back to the lender to clear the debt because you you you currently can't service it.","start":1671.48,"end":1681.545,"sentiment":"neutral","sentiment_score":-0.2586138316176154},{"text":"And then once we're back on our feet, we can go and find another car.","start":1682.405,"end":1686.165,"sentiment":"neutral","sentiment_score":-0.017071313007424274},{"text":"But instead of buying a 40 car, maybe we go and grab a 4 or $5 car, something that we we can serve it serves serves what we need to do.","start":1686.165,"end":1694.79,"sentiment":"neutral","sentiment_score":0.18361260357402986},{"text":"Obviously, I understand once we have a job, we're gonna be in a much better position because we'll have good income coming in and all happens.","start":1695.81,"end":1701.43,"sentiment":"neutral","sentiment_score":0.2790976987721828}],"sentiment":"neutral","sentiment_score":0.005444568459544394,"num_words":118,"start":1663.0801,"end":1701.43},{"sentences":[{"text":"But right now, unless you can get a job today and that job is able to pay you by the end of the week or is able to pay you ahead of time, The circumstance is is that we don't currently have any money outside of Centrelink.","start":1701.73,"end":1720.7899,"sentiment":"negative","sentiment_score":-0.42195187287127717},{"text":"So I think it's a serious you you're gonna need to seriously think over the weekend about with respect to the car, do we do we actually go to rent it to, you know, make make the call to to the lender, to the person that you know, the people that have the loan for that vehicle and inform them that you're gonna surrender the car, have a conversation with them about what that looks like.","start":1728.13,"end":1755.41,"sentiment":"neutral","sentiment_score":-0.17324248078818383},{"text":"Mhmm.","start":1760.335,"end":1760.835,"sentiment":"neutral","sentiment_score":0.2589119076728821},{"text":"It reduces down on the amount of debts that you have on where you currently sit.","start":1761.215,"end":1767.715,"sentiment":"positive","sentiment_score":0.4506002562120557},{"text":"It means that you're no longer trying to sink money into a vehicle that, realistically, you don't have the affordability to be able to run at full capacity right now anyway.","start":1768.095,"end":1777.5299,"sentiment":"neutral","sentiment_score":0.10539028529197939}],"sentiment":"neutral","sentiment_score":-0.1301903608990343,"num_words":171,"start":1701.73,"end":1777.5299},{"sentences":[{"text":"If we can get the camper trailer, the the the camper van up and running, then you have both a vehicle and a home.","start":1778.47,"end":1786.505,"sentiment":"neutral","sentiment_score":0.29885365689794224},{"text":"You become a turtle, so to speak, which means that you're safe and secure and still have somewhere to reside because the camper van is gonna be a lot more comfortable than trying to sleep in the back of a 40,000 car that you can't afford.","start":1786.645,"end":1802.99,"sentiment":"neutral","sentiment_score":0.16842009483472162},{"text":"Now with the ATO, I can send you an email on how to lodge that application because it's with the with myGov.","start":1806.89,"end":1814.725,"sentiment":"neutral","sentiment_score":-0.02369615418667143},{"text":"I obviously don't have access to your myGov.","start":1815.0249,"end":1817.0449,"sentiment":"neutral","sentiment_score":-0.2706640549004078},{"text":"I would never and no one ever should ask to gain access to your myGov.","start":1817.345,"end":1822.1649,"sentiment":"negative","sentiment_score":-0.35183906455834707}],"sentiment":"neutral","sentiment_score":0.06048346372402233,"num_words":115,"start":1778.47,"end":1822.1649},{"sentences":[{"text":"It has a lot of your personal information in it.","start":1822.5449,"end":1825.125,"sentiment":"neutral","sentiment_score":-0.23684599101543427},{"text":"So it is an application that you're gonna have to submit yourself.","start":1825.1849,"end":1827.845,"sentiment":"neutral","sentiment_score":-0.132263811926047},{"text":"Obviously, the sec like, once once it's once it's approved, you know, I will I will make sure the money from Hub twenty four is released immediately.","start":1830.76,"end":1840.7,"sentiment":"neutral","sentiment_score":-0.04013697621067641},{"text":"But the ATO have to be the one to approve it.","start":1843.485,"end":1845.645,"sentiment":"neutral","sentiment_score":-0.11346257681196387},{"text":"You can put an escalation statement on the application.","start":1845.645,"end":1848.9451,"sentiment":"neutral","sentiment_score":-0.051448454045587115}],"sentiment":"neutral","sentiment_score":-0.09783258612024719,"num_words":69,"start":1822.5449,"end":1848.9451},{"sentences":[{"text":"The ATO are actually pretty quick at reviewing the applications, to be honest.","start":1850.285,"end":1853.9651,"sentiment":"neutral","sentiment_score":0.2519356734477557},{"text":"They're not too bad.","start":1853.9651,"end":1855.025,"sentiment":"positive","sentiment_score":0.49435774981975555},{"text":"And you have all the documents, which is good.","start":1856.25,"end":1858.1901,"sentiment":"positive","sentiment_score":0.669510907597012},{"text":"That's going to get you money.","start":1858.73,"end":1861.79,"sentiment":"positive","sentiment_score":0.6672298014163971},{"text":"I just can't tell you how much money, but that will get you money once the ATO review it and have a look at it.","start":1862.01,"end":1867.995,"sentiment":"neutral","sentiment_score":0.28510880053043364}],"sentiment":"positive","sentiment_score":0.39314546919705573,"num_words":57,"start":1850.285,"end":1867.995},{"sentences":[{"text":"We can obviously still go ahead in seven weeks' time and look at releasing money from super under financial hardship as well, and that'll be $10 less taxes.","start":1868.555,"end":1879.275,"sentiment":"neutral","sentiment_score":0.32528908976486753},{"text":"So it'll be about 7 and a half in hand, And that'll give you more money to get you back on your feet a little bit more, and it'll allow you to breathe.","start":1879.275,"end":1887.45,"sentiment":"positive","sentiment_score":0.48310182040387933},{"text":"It's not gonna bring you your car back, but, realistically, at this point, we need to forget about the luxuries and we need to be conserving.","start":1888.47,"end":1898.5651,"sentiment":"neutral","sentiment_score":-0.08802130761054847},{"text":"Have you ever heard of Maslow's hierarchy of needs?","start":1899.5851,"end":1902.005,"sentiment":"neutral","sentiment_score":-0.026707897376683023},{"text":"Cool.","start":1904.865,"end":1905.365,"sentiment":"neutral","sentiment_score":0.22572126984596252}],"sentiment":"neutral","sentiment_score":0.23450774002397798,"num_words":97,"start":1868.555,"end":1905.365},{"sentences":[{"text":"Right now, we're at the base need and we're trying to make sure that you have your safety.","start":1905.505,"end":1909.8451,"sentiment":"neutral","sentiment_score":0.18672588881519106},{"text":"And how we do that is food, air, water, shelter.","start":1911.25,"end":1915.11,"sentiment":"neutral","sentiment_score":0.1508942000567913},{"text":"So we need to conserve the food.","start":1916.05,"end":1918.93,"sentiment":"neutral","sentiment_score":0.1604305590902056},{"text":"We need to conserve the shelter.","start":1918.93,"end":1920.87,"sentiment":"neutral","sentiment_score":0.2040743281443914},{"text":"That is our base needs, and we need to make sure that that's what we're conserving and that's what we're keeping safe for you.","start":1921.17,"end":1927.2949,"sentiment":"neutral","sentiment_score":0.2779594864696264}],"sentiment":"neutral","sentiment_score":0.21366916241554113,"num_words":65,"start":1905.505,"end":1927.2949},{"sentences":[{"text":"Alright?","start":1927.6749,"end":1928.1749,"sentiment":"neutral","sentiment_score":0.05672755837440491},{"text":"If I had $10 to give you personally, I would, but I I I don't.","start":1929.755,"end":1934.975,"sentiment":"neutral","sentiment_score":-0.05446132272481918},{"text":"I don't have anything that I could give you personally.","start":1935.195,"end":1938.815,"sentiment":"neutral","sentiment_score":-0.095395178347826},{"text":"But what I will do is I will send you an email now, and I will just double check.","start":1941.79,"end":1948.03,"sentiment":"neutral","sentiment_score":0.059760859334155134},{"text":"Your email address is misterniceguy@misterniceguy1211612atgmail.com?","start":1948.03,"end":1958.3049,"sentiment":"neutral","sentiment_score":0.019190585240721703}],"sentiment":"neutral","sentiment_score":-0.009654696248471737,"num_words":50,"start":1927.6749,"end":1958.3049},{"sentences":[{"text":"Yeah.","start":1959.725,"end":1960.0449,"sentiment":"neutral","sentiment_score":0.07359722256660461},{"text":"Alright.","start":1960.0449,"end":1960.365,"sentiment":"neutral","sentiment_score":0.11845368146896362},{"text":"I will send you an email now with the compassionate grant Compassionate Grounds steps.","start":1960.365,"end":1966.945,"sentiment":"neutral","sentiment_score":0.1825161874294281},{"text":"As I said, you're gonna go under a foreclosure of your home claim.","start":1970.58,"end":1975.2999,"sentiment":"neutral","sentiment_score":-0.0069040684745861934},{"text":"That's essentially what you're you're claiming for and go through that way.","start":1975.2999,"end":1983.335,"sentiment":"neutral","sentiment_score":0.04179605065534512}],"sentiment":"neutral","sentiment_score":0.0770506645302947,"num_words":41,"start":1959.725,"end":1983.335},{"sentences":[{"text":"Outside of that, how and you said that you contacted all the services around your area.","start":1984.355,"end":1990.9149,"sentiment":"neutral","sentiment_score":0.03112016385421157},{"text":"Did they come back to you with anything?","start":1990.9149,"end":1993.075,"sentiment":"neutral","sentiment_score":0.05308096017688513},{"text":"Have they given you food vouchers?","start":1993.075,"end":1994.6749,"sentiment":"neutral","sentiment_score":0.08664414659142494},{"text":"Have they assisted in any way?","start":1994.6749,"end":2000.05,"sentiment":"neutral","sentiment_score":0.08978783463438351},{"text":"Okay.","start":2077.33,"end":2077.83,"sentiment":"neutral","sentiment_score":-0.016458146274089813}],"sentiment":"neutral","sentiment_score":0.05310010930170884,"num_words":37,"start":1984.355,"end":2077.83},{"sentences":[{"text":"Yeah.","start":2160.085,"end":2160.585,"sentiment":"neutral","sentiment_score":-0.08843372762203217},{"text":"I know.","start":2160.645,"end":2161.385,"sentiment":"neutral","sentiment_score":-0.11749532073736191},{"text":"I know.","start":2162.885,"end":2163.465,"sentiment":"neutral","sentiment_score":-0.07436414808034897},{"text":"And there is light at the end of the tunnel that you do have that money, and that comes to you one day.","start":2165.94,"end":2170.76,"sentiment":"neutral","sentiment_score":0.011771993306667908},{"text":"Hey.","start":2172.0999,"end":2172.5999,"sentiment":"neutral","sentiment_score":0.08799587935209274}],"sentiment":"neutral","sentiment_score":-0.003910377236275837,"num_words":29,"start":2160.085,"end":2172.5999},{"sentences":[{"text":"It's just not not necessarily today, but it is yours.","start":2172.82,"end":2176.76,"sentiment":"neutral","sentiment_score":0.07307161912322044},{"text":"It's just we have to wait for it.","start":2177.06,"end":2180.345,"sentiment":"neutral","sentiment_score":0.01317695714533329},{"text":"So right now, what we're gonna do is I'm sending you an email.","start":2180.805,"end":2185.865,"sentiment":"neutral","sentiment_score":0.17574647126289514},{"text":"You're gonna spend the afternoon doing the application to the ATO.","start":2186.485,"end":2189.5452,"sentiment":"neutral","sentiment_score":0.1453037133271044},{"text":"And then on Monday, I'm giving you a call, and we're gonna touch base together again.","start":2192.42,"end":2196.2,"sentiment":"neutral","sentiment_score":0.19892302714288235}],"sentiment":"neutral","sentiment_score":0.1362404354430478,"num_words":58,"start":2172.82,"end":2196.2},{"sentences":[{"text":"I'm going to sit down and spend my weekend doing some research and seeing if there's any other avenues that we have that you haven't looked into that I can think of.","start":2198.5798,"end":2208.235,"sentiment":"neutral","sentiment_score":0.19238851661793888},{"text":"I'm gonna reach out to a few of my contacts to see where we can go.","start":2208.235,"end":2212.655,"sentiment":"neutral","sentiment_score":0.12357684434391558},{"text":"I want you to really, really think about forfeiting that vehicle.","start":2214.0752,"end":2218.59,"sentiment":"neutral","sentiment_score":-0.31753297827460547},{"text":"I I understand that it is a massive ask, but, realistically, the only other avenue we have is bankruptcy, which means that you lose it anyway.","start":2219.53,"end":2232.365,"sentiment":"negative","sentiment_score":-0.3608972871532807},{"text":"And that's kind of where everyone's gonna start pushing soon.","start":2233.465,"end":2237.645,"sentiment":"neutral","sentiment_score":-0.3200033724308014}],"sentiment":"neutral","sentiment_score":-0.08360593589512925,"num_words":95,"start":2198.5798,"end":2237.645},{"sentences":[{"text":"K.","start":2242.04,"end":2242.54,"sentiment":"neutral","sentiment_score":-0.1277722716331482},{"text":"It's not the end of the world to go bankrupt.","start":2242.68,"end":2245.02,"sentiment":"neutral","sentiment_score":-0.3231354862451553},{"text":"People come back from it.","start":2245.88,"end":2247.42,"sentiment":"neutral","sentiment_score":-0.21067527532577515},{"text":"It's okay.","start":2248.2,"end":2249.02,"sentiment":"neutral","sentiment_score":0.13358352333307266},{"text":"It's just gonna exact exactly as I said, Maslow's hierarchy of needs.","start":2250.76,"end":2256.015,"sentiment":"neutral","sentiment_score":0.06237544290100535}],"sentiment":"neutral","sentiment_score":-0.11322770497451226,"num_words":30,"start":2242.04,"end":2256.015},{"sentences":[{"text":"We're just gonna deal with that base need right now, which is safety and security.","start":2256.335,"end":2261.2349,"sentiment":"neutral","sentiment_score":0.04167670980095863},{"text":"We're just gonna make sure that you are safe and secure through your belly, shelter overhead.","start":2261.375,"end":2268.035,"sentiment":"neutral","sentiment_score":0.061812160070985556},{"text":"Okay?","start":2269.48,"end":2269.98,"sentiment":"neutral","sentiment_score":0.08736226707696915},{"text":"And I know I know that money does fix that.","start":2270.6802,"end":2273.48,"sentiment":"neutral","sentiment_score":-0.03466799706220627},{"text":"Money makes the world go round, but there's things we can do to make that happen.","start":2273.48,"end":2279.58,"sentiment":"neutral","sentiment_score":0.033757488388800994}],"sentiment":"neutral","sentiment_score":0.03267150549699777,"num_words":58,"start":2256.335,"end":2279.58},{"sentences":[{"text":"Forfeiting the vehicle means that that full that $3,000 that's owed is no longer owed.","start":2281.255,"end":2285.915,"sentiment":"neutral","sentiment_score":-0.012427642568945884},{"text":"It means that from your Centrelink payment, money can be directed to the caravan park.","start":2286.455,"end":2291.415,"sentiment":"neutral","sentiment_score":0.2612167780598005},{"text":"So that way, you still have access to your vehicle, and you stay where you are in a safe environment with people that obviously care about you considering they're sharing their food.","start":2291.415,"end":2302.3,"sentiment":"positive","sentiment_score":0.3753588693216443},{"text":"Okay?","start":2304.76,"end":2305.26,"sentiment":"neutral","sentiment_score":0.05014185607433319},{"text":"You don't have no one.","start":2305.4001,"end":2306.52,"sentiment":"neutral","sentiment_score":-0.1508026599884033}],"sentiment":"neutral","sentiment_score":0.22116837362923167,"num_words":68,"start":2281.255,"end":2306.52},{"sentences":[{"text":"You have people, and they're obviously caring.","start":2306.52,"end":2310.565,"sentiment":"neutral","sentiment_score":0.046245480222361426},{"text":"K?","start":2311.9849,"end":2312.305,"sentiment":"neutral","sentiment_score":-0.03566604107618332},{"text":"We just need to make some hard decisions and get rid of things that we may might not wanna get rid of.","start":2312.305,"end":2319.765,"sentiment":"neutral","sentiment_score":-0.3304938999089328},{"text":"The car's a massive one, unfortunately.","start":2320.24,"end":2322.1802,"sentiment":"negative","sentiment_score":-0.5928392310937246},{"text":"Okay.","start":2325.6,"end":2326.1,"sentiment":"neutral","sentiment_score":0.023179616779088977}],"sentiment":"neutral","sentiment_score":-0.28423430398106575,"num_words":37,"start":2306.52,"end":2326.1},{"sentences":[{"text":"So I want you to really think about it over the weekend.","start":2326.32,"end":2328.6602,"sentiment":"neutral","sentiment_score":0.13462393234173456},{"text":"We will talk about it on Monday morning at 9AM.","start":2329.04,"end":2331.6,"sentiment":"neutral","sentiment_score":0.08452027812600135},{"text":"I will still call you, but I'm gonna sit down and send you an email right now so you can do the ATO stuff.","start":2331.6,"end":2337.7249,"sentiment":"neutral","sentiment_score":0.06945717350269358},{"text":"Okay?","start":2337.7249,"end":2338.2249,"sentiment":"neutral","sentiment_score":0.04434219375252724},{"text":"Okay.","start":2340.205,"end":2340.705,"sentiment":"neutral","sentiment_score":0.06579980254173279}],"sentiment":"neutral","sentiment_score":0.0882875860358278,"num_words":48,"start":2326.32,"end":2340.705},{"sentences":[{"text":"And I will talk to you Monday morning.","start":2341.085,"end":2342.945,"sentiment":"neutral","sentiment_score":0.10404204297810793},{"text":"Deal?","start":2343.885,"end":2344.385,"sentiment":"positive","sentiment_score":0.4651305973529816},{"text":"You're welcome, Matthew.","start":2346.86,"end":2348.0,"sentiment":"positive","sentiment_score":0.5567090710004171},{"text":"Speak to you then.","start":2348.3801,"end":2349.4402,"sentiment":"positive","sentiment_score":0.5766791701316833},{"text":"Thank you.","start":2352.78,"end":2353.6,"sentiment":"positive","sentiment_score":0.6220795512199402}],"sentiment":"positive","sentiment_score":0.36213721873031723,"num_words":18,"start":2341.085,"end":2353.6},{"sentences":[{"text":"You have a good weekend too, and we'll speak soon.","start":2354.3828,"end":2356.723,"sentiment":"positive","sentiment_score":0.6574406683444977},{"text":"That's fine.","start":2359.503,"end":2360.4028,"sentiment":"positive","sentiment_score":0.4392803758382797},{"text":"Bye, Matthew.","start":2360.783,"end":2361.6829,"sentiment":"neutral","sentiment_score":0.28545211255550385}],"sentiment":"positive","sentiment_score":0.5731336900166103,"num_words":14,"start":2354.3828,"end":2361.6829}]}}]},{"alternatives":[{"transcript":"Hello. Matthew speaking. Yes. Good. Thank you. How are you? Absolutely. Well, yeah, it kinda sounds like it. But that's okay. As long as you can hear me okay because well, I've had it I'll rest of the phone reception is, yes, not very good. So, yes, I everything was going going well. I need yeah. I got got into a minor accident. And now because of the accident, I was laid off work, And I haven't been able to get to work now for I think it's about sixteen weeks. And, yeah, I'm I've basically got one of the things I'm losing is I'm gonna have to lease my vehicle. I've only got till next Thursday to try and get some sort of money together to save my vehicle. And then the weeks after that, I can focus on paying down my rent and the rears of my loan and my fine bill and everything else because I have well, I've been focusing so hard on on trying to keep my head above water that I don't know. It's just just things around me have been crumbling, and it was only on Tuesday that I went to the litter box, and I got the letter regarding my vehicle. And it I realized I'm I'm literally absolutely right now as it stands on pretty much absolutely irreversibly financially destroyed. I have no job. I know I've got just a e scooter I used to travel around with, and I'm I'm on Centrelink. I've I've gone through on Wednesday. And on Wednesday, I I rang a a the the settling consultos and and Anglicare, AMZ Bank. And my last resort was to get the super out, but then I realized I don't have twenty six weeks to wait. I mean, I've got another another seven weeks to wait till I got so I hit that twenty six week margin that I need to get access to my super. And I've got until Thursday or Friday next week to to to to come up with enough money just to to to pull me out of this financial hole because I've buried myself too deep. Without employment, it's just my things so very hard. When I on Wednesday, I went around town in Bunbury, and I gathered all the documents that I could prepare them for the financial hardship on my hub twenty four account. And then I got a set link, and I've got a bit of paper here that shows me that I've only got sixteen weeks out of the twenty three weeks that I need or whatever it is to I'm actually seven weeks behind, and I've only got one week to come up with the money. And then the lady, when I was speaking to the superannuation, she said if so she reminded me that I may possibly have a small share portfolio with OQ Financial under the same account number as I have with my super regulation. So pretty much everything, all the documentation that I have in my position in paper form right now is sitting in my emails that has that includes bank statements, a photocopy of me driver's license. I've just got a message from the manager of the caravan park and showed me what title that I am behind in my rent. So I've got a small summary here just how not awful my financial situation is. And then I went on Google this morning, and I I because I was just curious, and I thought, well, you know, you guys have been taking out money out of my super ever since I joined up with you. So that was part and parcel with the contract to be able to put in a shared portfolio. I wanted to know if I could if it was possible to take money out of my super and put it into shares. And I got an answer saying yes, and I don't know what the process is or how it's done. But what I wanted to know is, first of all, do I still have an existing share portfolio with Oakview Financial? If so, what is the total value of that share portfolio? I wanna know what's the most I can take out of that share portfolio based upon my absolute extreme financial hardship situation, which is just a whole, like, unbelievable. And it should be the total would be for me to wipe the slate clean and get back on my feet would be 9,000 rounding it up would be $9,550. And I remember about two years ago, I think it was I was I was around pretty sure it was around, like, 12 to 16,000 or something like that in there. So I wanted to be able to take enough out, including all the taxes and consult fees and everything else thrown on top so that the net value comes around 9,500 or at least somewhere around $8.08 between 8 to $10. And then I wanted my superannuation account that's got I was told it's got over $96,000 in the superannuation account, and I wanted to take $40,000 out of that and then invest that in through into shares through financial. Once I've completed the withdrawal transaction because of my desperate financial situation. I know sometimes there are, for extreme circumstances, ways you can spearhead the transactions to make the money go through quicker, which is the sort of the direction I need. But I have literally exhausted every avenue, and I'm at the point where I'm I'm trying not to. I'm trying to find a reason, a way, a possibility to be able to find a way to get my slate clean enough because I'm at the point where I'm I'm not ready to give up on life because every other avenue, it just doesn't exist. So this phone call is the last chance that I have. And if I've got that share portfolio, I just wanna know how much it is, how much I could take it out, how much I need to take out so that at least I can get $10 after tax or between 8 to $10 after tax out of portfolio. And then try and figure out a way to get it into my account in the next as soon as humanly possible. While at the same time to transferring $40,000 out of my superannuation account and investing it straight back into IP Financial, not only to make up for what I've taken out, but to invest put in a big investment in for a future nest egg for when the time comes that I have I do end up retiring. And I wanna do that contribution as a out of respect for the portfolio, which I'm trying to inquire about. So I just wanna if I could get enough money out of my portfolio, if if it's possible for me to be able to wipe the slate clean, get what I need to start fresh, and give me the enthusiasm, the drive, and the and the just the desire to try to to to turn my life around and and live a good life, then then that would be awesome. But I could either walk away with literally nothing to my name or I could turn around and wipe the slate clean, and it all depends now what my share portfolio is. And I need at at the moment, I need to take out as much as I can, as quick as I can, and have it turned over into my account as quick as I possibly can to make make up for my financial shortfall and the hole that I've fallen into that I just can't without employment. This is there's no other option available to me except for this. And I think that if if I if I find out that I've got the available funds and I could do that transaction, I'd love to try and get that done as in the shortest time humanly possible and then surrender $40 straight back into the share portfolio to fill the gap and build a bridge to a more financial secure future. The Hub twenty four. The lady you are speaking speaking to on Hub twenty four. Yes. Mhmm. Yes. I really if I could if I if I if I could get the money I need to to to get myself out of this financial hole, I could pretty much do anything and go everywhere and accomplish everything it needs to be accomplished. But at the moment, I'm sitting at home. I'm on on twenty on sixteen weeks of settling. The money has run out. The food is running out. The bills have just every bill that I could that I could think of that I have that makes me who I am, that every single one of them are piling up behind to the point where it's it's affected phone access, my home, my loan repayments, my savings. And now I'm gonna lose my car on top of everything else. And and I'm looking at this eviction notice, and I'm just like, I'm at the point where it's like, at this at this point in time right now, it'd be just hell of a lot more convenient just to walk in the books and just just never walk out. I I'm I'm I've just wanted to I've I've literally exhausted every every possible avenue that I could come up with to be able to to be able to just come up with the money that I need in the most desperate, like, the the whatever they call it, the the tenth hour or whatever, where I can't the ability to pay the rent, sort out the situation with my vehicle, get the lot the the money I owe the bank for the this loan repayments, get the phone situated, pull it out, everything, and just plug the slate clean. I'm already on a financial hardship arrangement with my loan repayments, and they're on hold until further notice. I've been hold on hold for a few weeks. And I said, look, you know, I I I know I said, I know at the moment it's 41,000 or something. And I said, look, you know, I know I'm I'm nearly three grand behind of my payments. And I I if if somehow you can restructure a loan to give me an extra fucking 5 or 6 or $7 just to be able to wipe the slate clean, and I just said, look, you know, under the circumstances considering I well, I've got a loan that I can't that's on the hold in the under financial circumstance. And the fact that I already owe them nearly $3 of payments, you know, that's just gonna be. And I was just like, man, that's when I rang my super, and they say, well, we can't be forward unless it's been twenty six weeks. You got another seven week wait. And I I don't have seven weeks. I've got one literally one week. And I've been I I tried. I've tried. I've tried. I've tried. I've tried. I've, like, this is like And I managed to throw everything out of it out at it, and I've got it down to I think it's, $1,485, I think it was. So I've got it down to that, but then all of a sudden, I've hit a wall because I'm now about to lose my vehicle. That's gonna go, and I'm gonna lose my I've run I've got all these flight. I'm gonna get I I'm I'm literally right on the on that very torque line, the difference between sitting on the legs or falling over the edge of it. And I'm just I I need to figure out how I can get some sort of financial assistance to be able to cover all the costs so I could get everything fixed, wipe this plate clean, and try to give myself some sort of hype and and meaning. And I and I don't know because I've got a week. I I I don't know how to I don't know how to do it. I don't know how to do it on my own. I mean, like, the the I don't I've been doing a course in town. It is a certificate to a business, which I've almost completed. But the course the the place I do the course at, they close on Friday. So I can't go there and use computers to type out anything. Every time I get sent PDFs, I've gotta get them on my phone on my tablet, which is what I'm calling you on, and my phone is gone. And my tablet, like, it I'd have a hard time trying to do PDFs. I've only got the word program. So it's gonna take me a bit to figure it out. Sometimes I can't even do that. So I've gotta be able to access the forms, be able to fill them out, add all the information, send them off today, or Monday. But I need to get them all loaned in because I literally only have one week. I've I've already spoken to a lawyer to try and help me get the vehicle sorted to try and have an argument with the the because the reg eyes are almost due, and I'm trying to I'm trying to figure out a way to get some sort of extension plan put in place so I can come up with the money to keep my vehicle registration. You know, like, I'm still in league while I've still got time to register it, but that's like I'm I'm between my vehicle, my rent, my loan, my phone. And the whole situation at the moment, like, literally everything that the forest come crashing down on the pole, like, all at once. And I and I and I don't know. I've got I've got no options. I've got absolutely no options. No. I've got no family. I've got no friends. I've got no contacts. I've got no business partners. I've got no job. I've got nothing. And my phone bill is already a few 100 overdue. It's only because I have the Internet on or not because I just can't I can't have been able to sleep in days. And so when I get my next settling payment, which is not this which is next Friday, then I'm gonna pay $480 on two weeks rent. I'm gonna keep, say, $50.60 bucks aside for food shopping, and the rest goes on my phone bill. And I'm gonna hope that's enough to keep my my tablet connected so I could try and still book for work and find everything. And I've literally got, like, in one week, it'll look that that once that once that door closes, there's no recovering from it. I'd like everything I own will go on the tip, and I'll walk away from the caravan park with the clothes I'm wearing, and that's it. Yeah. I I'm I'm in a motor home that I own. But the rego ran out of that couple of weeks ago, so that's now unregistered because I I couldn't come up with the money to keep the rego going. My vehicle rego run on the June 30 and on and maybe between my my phone and my loan repayments, I just can't afford everything anymore. It's it's all it's all gone. Yes. Yes. I do. First of all, the the motor home hasn't been started in nearly three years, and it needs a mechanical overhaul before I can actually get started again. I do have an e scooter that which I can go about 30 kilometers one direction with with having enough power to get back home again. But if winter comes and the rains are to Rachel and it doesn't start raining, I can't like, the the the speed is not gonna work in the rain. And, you know, when the the bulk of the work is, it's usually anywhere between about 35 to 45 kilometers away in one direction. So if I can't use my scooter in the torrential rain and I don't have the money to get to work, the only thing I've got is a four hour walk or two between two to four hour walk in the rain in one direction from the caravan park to get to work, be able to do the whole day shift, and then have to turn around and walk all the way back to the caravan park another two hour walk, two to two to three hour walk. And then and then I need to, like, eat, sleep, go to bed, get up, and then do it all again while the rain, it just doesn't stop, and it's just constant, and it's just wet, and it's miserable. And the only thing out of that, the only thing that would would would would would help me be able to get to work is my vehicle. The only thing that would help me give me any sense of hope or possibility, any kind of way that I could I could actually make life a lot more simpler and easier for myself is if I had that vehicle, no worries. I can get in that vehicle. I can go to work. I can arrive to work on time. I can arrive to work dry. And even when I drive to and from work two, three, four days in a row because of the constant wet weather, I know by the time for Friday, it comes along. I'm not gonna pass out on the ground from exhaustion from having to walk four hours every day in the in the pouring rain. And I'm literally trying to figure out a way. I've literally got one week left between everything and and all I need is a financial assistance of some kiss of God miracle of the last minute where I can just get the help that I desperately need to just just turn turn everything around, wipe the slate clean, and give me a chance to be able to find a way to fundamentally get back and become financial stable to the point where I'm not waking up in the morning, trying to come up with a reason not to hang myself today because I'm like, I've still got a chance. There's someone's gonna help me. I've still got a chance. Someone's gonna help me. And I've gone through every single possible fucking thing that exists on this heaven and earth to help me through this. And this phone call is that this is this is my last hurrah. This is all I got left. This is all I have left. Yes. Yes. Yes. Yes. Yes. Okay. Yes. Yeah. Yes. Yeah. Mhmm. Yes. Yes. Okay. Okay. Yes. Yes. Yep. Alright. Yes. Yeah. Alright. They they did they said that I I could get food vouchers. I need but, mind you, that's, like, an hour one hour ride one way into to to from where I am to where I need to be to pick them up. While the weather is like this, it's okay. I don't mind doing that. But I said to him, I need something a little bit more substantial than a couple of food vouchers because there's there's a couple of people in the caravan park where every two or three days, they keep coming up to me and giving me just just enough food to get me by. So I I I am running out of food. I do have I can get vouchers if I contact them and try to organize something, some sort of assistance. But other than that, I I don't need I I I like I said, I've got I am running out of food, but I've got just enough to get me through to my next Centrelink rotation. But I don't need food. I need I need the money in my account so I can use it to pay off the the $3 I owe for my loan that's overdue. The the 1,500 owing on my on my rent here at the caravan park, it's overdue. And the $600 on the the claim bill that's gonna be cut off next week if I I've gotta try and pay some of that out of my settling. That's constantly going backwards because I just I can't I could barely sleep, so I can watch the TV most of the night. That's doing up the data, pushing the finger up. So all I'm doing is just I'm just going backwards one day at a time. It's going further and further and further and deeper and deeper and deeper and down, further down that rabbit hole to the point where it's like I'm getting up to the point where there's nothing worth coming back back from up. I don't I wanna reach out and get some sort of actual assistance. I mean, I got $90.96 plus grand in the fucking seat bar, and I can't access anything to get myself out. It's big enough to be able to watch the slate clean that I need to be able to get back on my feet and give myself some breathing room. Yes. Yep. Yeah. Yeah. Okay. Yes. Yeah. Mhmm. Okay. Alright. Thank you very much. You have a great I hope you're feeling a bit better, aren't they? I appreciate the phone call. Here we go. Bye. 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Matthew speaking. Yes. Good. Thank you.\n\nHow are you? Absolutely. Well, yeah, it kinda sounds like it. But that's okay. As long as you can hear me okay because well, I've had it I'll rest of the phone reception is, yes, not very good.\n\nSo, yes, I everything was going going well. I need yeah. I got got into a minor accident. And now because of the accident, I was laid off work, And I haven't been able to get to work now for I think it's about sixteen weeks. And, yeah, I'm I've basically got one of the things I'm losing is I'm gonna have to lease my vehicle.\n\nI've only got till next Thursday to try and get some sort of money together to save my vehicle. And then the weeks after that, I can focus on paying down my rent and the rears of my loan and my fine bill and everything else because I have well, I've been focusing so hard on on trying to keep my head above water that I don't know. It's just just things around me have been crumbling, and it was only on Tuesday that I went to the litter box, and I got the letter regarding my vehicle. And it I realized I'm I'm literally absolutely right now as it stands on pretty much absolutely irreversibly financially destroyed. I have no job.\n\nI know I've got just a e scooter I used to travel around with, and I'm I'm on Centrelink. I've I've gone through on Wednesday. And on Wednesday, I I rang a a the the settling consultos and and Anglicare, AMZ Bank. And my last resort was to get the super out, but then I realized I don't have twenty six weeks to wait. I mean, I've got another another seven weeks to wait till I got so I hit that twenty six week margin that I need to get access to my super.\n\nAnd I've got until Thursday or Friday next week to to to to come up with enough money just to to to pull me out of this financial hole because I've buried myself too deep. Without employment, it's just my things so very hard. When I on Wednesday, I went around town in Bunbury, and I gathered all the documents that I could prepare them for the financial hardship on my hub twenty four account. And then I got a set link, and I've got a bit of paper here that shows me that I've only got sixteen weeks out of the twenty three weeks that I need or whatever it is to I'm actually seven weeks behind, and I've only got one week to come up with the money. And then the lady, when I was speaking to the superannuation, she said if so she reminded me that I may possibly have a small share portfolio with OQ Financial under the same account number as I have with my super regulation.\n\nSo pretty much everything, all the documentation that I have in my position in paper form right now is sitting in my emails that has that includes bank statements, a photocopy of me driver's license. I've just got a message from the manager of the caravan park and showed me what title that I am behind in my rent. So I've got a small summary here just how not awful my financial situation is. And then I went on Google this morning, and I I because I was just curious, and I thought, well, you know, you guys have been taking out money out of my super ever since I joined up with you. So that was part and parcel with the contract to be able to put in a shared portfolio.\n\nI wanted to know if I could if it was possible to take money out of my super and put it into shares. And I got an answer saying yes, and I don't know what the process is or how it's done. But what I wanted to know is, first of all, do I still have an existing share portfolio with Oakview Financial? If so, what is the total value of that share portfolio? I wanna know what's the most I can take out of that share portfolio based upon my absolute extreme financial hardship situation, which is just a whole, like, unbelievable.\n\nAnd it should be the total would be for me to wipe the slate clean and get back on my feet would be 9,000 rounding it up would be $9,550. And I remember about two years ago, I think it was I was I was around pretty sure it was around, like, 12 to 16,000 or something like that in there. So I wanted to be able to take enough out, including all the taxes and consult fees and everything else thrown on top so that the net value comes around 9,500 or at least somewhere around $8.08 between 8 to $10. And then I wanted my superannuation account that's got I was told it's got over $96,000 in the superannuation account, and I wanted to take $40,000 out of that and then invest that in through into shares through financial. Once I've completed the withdrawal transaction because of my desperate financial situation.\n\nI know sometimes there are, for extreme circumstances, ways you can spearhead the transactions to make the money go through quicker, which is the sort of the direction I need. But I have literally exhausted every avenue, and I'm at the point where I'm I'm trying not to. I'm trying to find a reason, a way, a possibility to be able to find a way to get my slate clean enough because I'm at the point where I'm I'm not ready to give up on life because every other avenue, it just doesn't exist. So this phone call is the last chance that I have. And if I've got that share portfolio, I just wanna know how much it is, how much I could take it out, how much I need to take out so that at least I can get $10 after tax or between 8 to $10 after tax out of portfolio.\n\nAnd then try and figure out a way to get it into my account in the next as soon as humanly possible. While at the same time to transferring $40,000 out of my superannuation account and investing it straight back into IP Financial, not only to make up for what I've taken out, but to invest put in a big investment in for a future nest egg for when the time comes that I have I do end up retiring. And I wanna do that contribution as a out of respect for the portfolio, which I'm trying to inquire about. So I just wanna if I could get enough money out of my portfolio, if if it's possible for me to be able to wipe the slate clean, get what I need to start fresh, and give me the enthusiasm, the drive, and the and the just the desire to try to to to turn my life around and and live a good life, then then that would be awesome. But I could either walk away with literally nothing to my name or I could turn around and wipe the slate clean, and it all depends now what my share portfolio is.\n\nAnd I need at at the moment, I need to take out as much as I can, as quick as I can, and have it turned over into my account as quick as I possibly can to make make up for my financial shortfall and the hole that I've fallen into that I just can't without employment. This is there's no other option available to me except for this. And I think that if if I if I find out that I've got the available funds and I could do that transaction, I'd love to try and get that done as in the shortest time humanly possible and then surrender $40 straight back into the share portfolio to fill the gap and build a bridge to a more financial secure future. The Hub twenty four. The lady you are speaking speaking to on Hub twenty four.\n\nYes. Mhmm. Yes. I really if I could if I if I if I could get the money I need to to to get myself out of this financial hole, I could pretty much do anything and go everywhere and accomplish everything it needs to be accomplished. But at the moment, I'm sitting at home.\n\nI'm on on twenty on sixteen weeks of settling. The money has run out. The food is running out. The bills have just every bill that I could that I could think of that I have that makes me who I am, that every single one of them are piling up behind to the point where it's it's affected phone access, my home, my loan repayments, my savings. And now I'm gonna lose my car on top of everything else.\n\nAnd and I'm looking at this eviction notice, and I'm just like, I'm at the point where it's like, at this at this point in time right now, it'd be just hell of a lot more convenient just to walk in the books and just just never walk out. I I'm I'm I've just wanted to I've I've literally exhausted every every possible avenue that I could come up with to be able to to be able to just come up with the money that I need in the most desperate, like, the the whatever they call it, the the tenth hour or whatever, where I can't the ability to pay the rent, sort out the situation with my vehicle, get the lot the the money I owe the bank for the this loan repayments, get the phone situated, pull it out, everything, and just plug the slate clean. I'm already on a financial hardship arrangement with my loan repayments, and they're on hold until further notice. I've been hold on hold for a few weeks. And I said, look, you know, I I I know I said, I know at the moment it's 41,000 or something.\n\nAnd I said, look, you know, I know I'm I'm nearly three grand behind of my payments. And I I if if somehow you can restructure a loan to give me an extra fucking 5 or 6 or $7 just to be able to wipe the slate clean, and I just said, look, you know, under the circumstances considering I well, I've got a loan that I can't that's on the hold in the under financial circumstance. And the fact that I already owe them nearly $3 of payments, you know, that's just gonna be. And I was just like, man, that's when I rang my super, and they say, well, we can't be forward unless it's been twenty six weeks. You got another seven week wait.\n\nAnd I I don't have seven weeks. I've got one literally one week. And I've been I I tried. I've tried. I've tried.\n\nI've tried. I've tried. I've, like, this is like And I managed to throw everything out of it out at it, and I've got it down to I think it's, $1,485, I think it was. So I've got it down to that, but then all of a sudden, I've hit a wall because I'm now about to lose my vehicle. That's gonna go, and I'm gonna lose my I've run I've got all these flight.\n\nI'm gonna get I I'm I'm literally right on the on that very torque line, the difference between sitting on the legs or falling over the edge of it. And I'm just I I need to figure out how I can get some sort of financial assistance to be able to cover all the costs so I could get everything fixed, wipe this plate clean, and try to give myself some sort of hype and and meaning. And I and I don't know because I've got a week. I I I don't know how to I don't know how to do it. I don't know how to do it on my own.\n\nI mean, like, the the I don't I've been doing a course in town. It is a certificate to a business, which I've almost completed. But the course the the place I do the course at, they close on Friday. So I can't go there and use computers to type out anything. Every time I get sent PDFs, I've gotta get them on my phone on my tablet, which is what I'm calling you on, and my phone is gone.\n\nAnd my tablet, like, it I'd have a hard time trying to do PDFs. I've only got the word program. So it's gonna take me a bit to figure it out. Sometimes I can't even do that. So I've gotta be able to access the forms, be able to fill them out, add all the information, send them off today, or Monday.\n\nBut I need to get them all loaned in because I literally only have one week. I've I've already spoken to a lawyer to try and help me get the vehicle sorted to try and have an argument with the the because the reg eyes are almost due, and I'm trying to I'm trying to figure out a way to get some sort of extension plan put in place so I can come up with the money to keep my vehicle registration. You know, like, I'm still in league while I've still got time to register it, but that's like I'm I'm between my vehicle, my rent, my loan, my phone. And the whole situation at the moment, like, literally everything that the forest come crashing down on the pole, like, all at once. And I and I and I don't know.\n\nI've got I've got no options. I've got absolutely no options. No. I've got no family. I've got no friends.\n\nI've got no contacts. I've got no business partners. I've got no job. I've got nothing. And my phone bill is already a few 100 overdue.\n\nIt's only because I have the Internet on or not because I just can't I can't have been able to sleep in days. And so when I get my next settling payment, which is not this which is next Friday, then I'm gonna pay $480 on two weeks rent. I'm gonna keep, say, $50.60 bucks aside for food shopping, and the rest goes on my phone bill. And I'm gonna hope that's enough to keep my my tablet connected so I could try and still book for work and find everything. And I've literally got, like, in one week, it'll look that that once that once that door closes, there's no recovering from it.\n\nI'd like everything I own will go on the tip, and I'll walk away from the caravan park with the clothes I'm wearing, and that's it. Yeah. I I'm I'm in a motor home that I own. But the rego ran out of that couple of weeks ago, so that's now unregistered because I I couldn't come up with the money to keep the rego going. My vehicle rego run on the June 30 and on and maybe between my my phone and my loan repayments, I just can't afford everything anymore.\n\nIt's it's all it's all gone. Yes. Yes. I do. First of all, the the motor home hasn't been started in nearly three years, and it needs a mechanical overhaul before I can actually get started again.\n\nI do have an e scooter that which I can go about 30 kilometers one direction with with having enough power to get back home again. But if winter comes and the rains are to Rachel and it doesn't start raining, I can't like, the the the speed is not gonna work in the rain. And, you know, when the the bulk of the work is, it's usually anywhere between about 35 to 45 kilometers away in one direction. So if I can't use my scooter in the torrential rain and I don't have the money to get to work, the only thing I've got is a four hour walk or two between two to four hour walk in the rain in one direction from the caravan park to get to work, be able to do the whole day shift, and then have to turn around and walk all the way back to the caravan park another two hour walk, two to two to three hour walk. And then and then I need to, like, eat, sleep, go to bed, get up, and then do it all again while the rain, it just doesn't stop, and it's just constant, and it's just wet, and it's miserable.\n\nAnd the only thing out of that, the only thing that would would would would would help me be able to get to work is my vehicle. The only thing that would help me give me any sense of hope or possibility, any kind of way that I could I could actually make life a lot more simpler and easier for myself is if I had that vehicle, no worries. I can get in that vehicle. I can go to work. I can arrive to work on time.\n\nI can arrive to work dry. And even when I drive to and from work two, three, four days in a row because of the constant wet weather, I know by the time for Friday, it comes along. I'm not gonna pass out on the ground from exhaustion from having to walk four hours every day in the in the pouring rain. And I'm literally trying to figure out a way. I've literally got one week left between everything and and all I need is a financial assistance of some kiss of God miracle of the last minute where I can just get the help that I desperately need to just just turn turn everything around, wipe the slate clean, and give me a chance to be able to find a way to fundamentally get back and become financial stable to the point where I'm not waking up in the morning, trying to come up with a reason not to hang myself today because I'm like, I've still got a chance.\n\nThere's someone's gonna help me. I've still got a chance. Someone's gonna help me. And I've gone through every single possible fucking thing that exists on this heaven and earth to help me through this. And this phone call is that this is this is my last hurrah.\n\nThis is all I got left. This is all I have left. Yes. Yes. Yes.\n\nYes. Yes. Okay. Yes. Yeah.\n\nYes. Yeah. Mhmm. Yes. Yes.\n\nOkay. Okay. Yes. Yes. Yep.\n\nAlright. Yes. Yeah. Alright. They they did they said that I I could get food vouchers.\n\nI need but, mind you, that's, like, an hour one hour ride one way into to to from where I am to where I need to be to pick them up. While the weather is like this, it's okay. I don't mind doing that. But I said to him, I need something a little bit more substantial than a couple of food vouchers because there's there's a couple of people in the caravan park where every two or three days, they keep coming up to me and giving me just just enough food to get me by. So I I I am running out of food.\n\nI do have I can get vouchers if I contact them and try to organize something, some sort of assistance. But other than that, I I don't need I I I like I said, I've got I am running out of food, but I've got just enough to get me through to my next Centrelink rotation. But I don't need food. I need I need the money in my account so I can use it to pay off the the $3 I owe for my loan that's overdue. The the 1,500 owing on my on my rent here at the caravan park, it's overdue.\n\nAnd the $600 on the the claim bill that's gonna be cut off next week if I I've gotta try and pay some of that out of my settling. That's constantly going backwards because I just I can't I could barely sleep, so I can watch the TV most of the night. That's doing up the data, pushing the finger up. So all I'm doing is just I'm just going backwards one day at a time. It's going further and further and further and deeper and deeper and deeper and down, further down that rabbit hole to the point where it's like I'm getting up to the point where there's nothing worth coming back back from up.\n\nI don't I wanna reach out and get some sort of actual assistance. I mean, I got $90.96 plus grand in the fucking seat bar, and I can't access anything to get myself out. It's big enough to be able to watch the slate clean that I need to be able to get back on my feet and give myself some breathing room. Yes. Yep.\n\nYeah. Yeah. Okay. Yes. Yeah.\n\nMhmm. Okay. Alright. Thank you very much. You have a great I hope you're feeling a bit better, aren't they?\n\nI appreciate the phone call. Here we go. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.96,"sentiment":"neutral","sentiment_score":0.027797596529126167},{"text":"Matthew speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.020176787860691547},{"text":"Yes.","start":7.52,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.2892568111419678},{"text":"Good.","start":7.8399997,"end":8.16,"sentiment":"positive","sentiment_score":0.5913580060005188},{"text":"Thank you.","start":8.16,"end":8.559999,"sentiment":"positive","sentiment_score":0.6004481911659241}],"sentiment":"neutral","sentiment_score":0.30709462453212055,"num_words":7,"start":0.48,"end":8.559999},{"sentences":[{"text":"How are you?","start":8.559999,"end":9.38,"sentiment":"positive","sentiment_score":0.3628525932629903},{"text":"Absolutely.","start":27.224998,"end":27.724998,"sentiment":"neutral","sentiment_score":0.1252957284450531},{"text":"Well, yeah, it kinda sounds like it.","start":46.255,"end":48.575,"sentiment":"neutral","sentiment_score":-0.25176115121160236},{"text":"But that's okay.","start":48.575,"end":49.635,"sentiment":"neutral","sentiment_score":-0.05274003247419993},{"text":"As long as you can hear me okay because well, I've had it I'll rest of the phone reception is, yes, not very good.","start":50.175,"end":58.71,"sentiment":"neutral","sentiment_score":-0.2196506488447388}],"sentiment":"neutral","sentiment_score":-0.1573239531564085,"num_words":38,"start":8.559999,"end":58.71},{"sentences":[{"text":"So, yes, I everything was going going well.","start":107.534996,"end":111.555,"sentiment":"neutral","sentiment_score":0.04432524787262083},{"text":"I need yeah.","start":114.03,"end":117.47,"sentiment":"neutral","sentiment_score":-0.17746478815873465},{"text":"I got got into a minor accident.","start":117.47,"end":119.97,"sentiment":"negative","sentiment_score":-0.37754872015544344},{"text":"And now because of the accident, I was laid off work, And I haven't been able to get to work now for I think it's about sixteen weeks.","start":120.91,"end":137.625,"sentiment":"negative","sentiment_score":-0.3746851608157158},{"text":"And, yeah, I'm I've basically got one of the things I'm losing is I'm gonna have to lease my vehicle.","start":138.885,"end":156.26,"sentiment":"negative","sentiment_score":-0.47671507447957995}],"sentiment":"negative","sentiment_score":-0.346153324469924,"num_words":66,"start":107.534996,"end":156.26},{"sentences":[{"text":"I've only got till next Thursday to try and get some sort of money together to save my vehicle.","start":156.26,"end":164.625,"sentiment":"negative","sentiment_score":-0.338358431270248},{"text":"And then the weeks after that, I can focus on paying down my rent and the rears of my loan and my fine bill and everything else because I have well, I've been focusing so hard on on trying to keep my head above water that I don't know.","start":166.205,"end":192.655,"sentiment":"neutral","sentiment_score":-0.2012231983244419},{"text":"It's just just things around me have been crumbling, and it was only on Tuesday that I went to the litter box, and I got the letter regarding my vehicle.","start":192.655,"end":203.81999,"sentiment":"negative","sentiment_score":-0.4142169013619423},{"text":"And it I realized I'm I'm literally absolutely right now as it stands on pretty much absolutely irreversibly financially destroyed.","start":203.81999,"end":217.975,"sentiment":"negative","sentiment_score":-0.753419654071331},{"text":"I have no job.","start":218.91501,"end":220.295,"sentiment":"negative","sentiment_score":-0.780296117067337}],"sentiment":"negative","sentiment_score":-0.3844658319884148,"num_words":122,"start":156.26,"end":220.295},{"sentences":[{"text":"I know I've got just a e scooter I used to travel around with, and I'm I'm on Centrelink.","start":223.235,"end":229.255,"sentiment":"neutral","sentiment_score":-0.2590491391326252},{"text":"I've I've gone through on Wednesday.","start":230.22,"end":233.84001,"sentiment":"neutral","sentiment_score":-0.18296865125497183},{"text":"And on Wednesday, I I rang a a the the settling consultos and and Anglicare, AMZ Bank.","start":234.86,"end":249.405,"sentiment":"neutral","sentiment_score":-0.054062510895378446},{"text":"And my last resort was to get the super out, but then I realized I don't have twenty six weeks to wait.","start":249.94499,"end":258.87,"sentiment":"neutral","sentiment_score":-0.27351443960585375},{"text":"I mean, I've got another another seven weeks to wait till I got so I hit that twenty six week margin that I need to get access to my super.","start":259.81,"end":271.19,"sentiment":"negative","sentiment_score":-0.4386448676387469}],"sentiment":"neutral","sentiment_score":-0.2778241695400248,"num_words":94,"start":223.235,"end":271.19},{"sentences":[{"text":"And I've got until Thursday or Friday next week to to to to come up with enough money just to to to pull me out of this financial hole because I've buried myself too deep.","start":273.945,"end":287.31998,"sentiment":"negative","sentiment_score":-0.3930162787437439},{"text":"Without employment, it's just my things so very hard.","start":288.18,"end":292.36,"sentiment":"negative","sentiment_score":-0.6592120329538981},{"text":"When I on Wednesday, I went around town in Bunbury, and I gathered all the documents that I could prepare them for the financial hardship on my hub twenty four account.","start":294.41998,"end":310.375,"sentiment":"neutral","sentiment_score":-0.09890311836234984},{"text":"And then I got a set link, and I've got a bit of paper here that shows me that I've only got sixteen weeks out of the twenty three weeks that I need or whatever it is to I'm actually seven weeks behind, and I've only got one week to come up with the money.","start":311.635,"end":327.45,"sentiment":"neutral","sentiment_score":-0.2555170411413366},{"text":"And then the lady, when I was speaking to the superannuation, she said if so she reminded me that I may possibly have a small share portfolio with OQ Financial under the same account number as I have with my super regulation.","start":327.45,"end":345.36002,"sentiment":"neutral","sentiment_score":-0.06446838990918227}],"sentiment":"neutral","sentiment_score":-0.22974176953958217,"num_words":172,"start":273.945,"end":345.36002},{"sentences":[{"text":"So pretty much everything, all the documentation that I have in my position in paper form right now is sitting in my emails that has that includes bank statements, a photocopy of me driver's license.","start":345.5,"end":360.64502,"sentiment":"neutral","sentiment_score":0.015388373498405728},{"text":"I've just got a message from the manager of the caravan park and showed me what title that I am behind in my rent.","start":361.745,"end":372.63,"sentiment":"neutral","sentiment_score":-0.1506277850518624},{"text":"So I've got a small summary here just how not awful my financial situation is.","start":372.63,"end":380.33,"sentiment":"neutral","sentiment_score":-0.25677428568402927},{"text":"And then I went on Google this morning, and I I because I was just curious, and I thought, well, you know, you guys have been taking out money out of my super ever since I joined up with you.","start":381.03,"end":392.785,"sentiment":"neutral","sentiment_score":-0.24476364301517606},{"text":"So that was part and parcel with the contract to be able to put in a shared portfolio.","start":392.785,"end":396.885,"sentiment":"neutral","sentiment_score":-0.018313990905880928}],"sentiment":"neutral","sentiment_score":-0.1291536788710139,"num_words":132,"start":345.5,"end":396.885},{"sentences":[{"text":"I wanted to know if I could if it was possible to take money out of my super and put it into shares.","start":397.79,"end":403.65002,"sentiment":"neutral","sentiment_score":-0.11792581269274587},{"text":"And I got an answer saying yes, and I don't know what the process is or how it's done.","start":403.87003,"end":409.57,"sentiment":"neutral","sentiment_score":-0.10928925538533613},{"text":"But what I wanted to know is, first of all, do I still have an existing share portfolio with Oakview Financial?","start":410.195,"end":421.495,"sentiment":"neutral","sentiment_score":-0.01350731597769828},{"text":"If so, what is the total value of that share portfolio?","start":421.955,"end":425.335,"sentiment":"neutral","sentiment_score":0.014195412736047398},{"text":"I wanna know what's the most I can take out of that share portfolio based upon my absolute extreme financial hardship situation, which is just a whole, like, unbelievable.","start":427.37,"end":440.51,"sentiment":"neutral","sentiment_score":-0.2670708481093933}],"sentiment":"neutral","sentiment_score":-0.12292571101807853,"num_words":103,"start":397.79,"end":440.51},{"sentences":[{"text":"And it should be the total would be for me to wipe the slate clean and get back on my feet would be 9,000 rounding it up would be $9,550.","start":442.195,"end":455.30002,"sentiment":"neutral","sentiment_score":-0.09961223546415568},{"text":"And I remember about two years ago, I think it was I was I was around pretty sure it was around, like, 12 to 16,000 or something like that in there.","start":455.92,"end":467.6,"sentiment":"neutral","sentiment_score":-0.08242583791575124},{"text":"So I wanted to be able to take enough out, including all the taxes and consult fees and everything else thrown on top so that the net value comes around 9,500 or at least somewhere around $8.08 between 8 to $10.","start":467.6,"end":484.935,"sentiment":"neutral","sentiment_score":0.05057227420734196},{"text":"And then I wanted my superannuation account that's got I was told it's got over $96,000 in the superannuation account, and I wanted to take $40,000 out of that and then invest that in through into shares through financial.","start":485.73,"end":506.98502,"sentiment":"neutral","sentiment_score":0.030858274931326892},{"text":"Once I've completed the withdrawal transaction because of my desperate financial situation.","start":508.165,"end":516.3,"sentiment":"negative","sentiment_score":-0.3428585547953844}],"sentiment":"neutral","sentiment_score":-0.04170545576493335,"num_words":153,"start":442.195,"end":516.3},{"sentences":[{"text":"I know sometimes there are, for extreme circumstances, ways you can spearhead the transactions to make the money go through quicker, which is the sort of the direction I need.","start":516.83997,"end":528.51495,"sentiment":"neutral","sentiment_score":0.09567018287877242},{"text":"But I have literally exhausted every avenue, and I'm at the point where I'm I'm trying not to.","start":530.255,"end":539.555,"sentiment":"negative","sentiment_score":-0.3705346832672755},{"text":"I'm trying to find a reason, a way, a possibility to be able to find a way to get my slate clean enough because I'm at the point where I'm I'm not ready to give up on life because every other avenue, it just doesn't exist.","start":540.11,"end":555.155,"sentiment":"neutral","sentiment_score":-0.21896987975291585},{"text":"So this phone call is the last chance that I have.","start":555.155,"end":558.515,"sentiment":"neutral","sentiment_score":-0.19234402139078488},{"text":"And if I've got that share portfolio, I just wanna know how much it is, how much I could take it out, how much I need to take out so that at least I can get $10 after tax or between 8 to $10 after tax out of portfolio.","start":558.515,"end":571.46,"sentiment":"neutral","sentiment_score":0.12688424118927547}],"sentiment":"neutral","sentiment_score":-0.06344538765003929,"num_words":154,"start":516.83997,"end":571.46},{"sentences":[{"text":"And then try and figure out a way to get it into my account in the next as soon as humanly possible.","start":573.68,"end":582.34,"sentiment":"neutral","sentiment_score":0.2017876197668639},{"text":"While at the same time to transferring $40,000 out of my superannuation account and investing it straight back into IP Financial, not only to make up for what I've taken out, but to invest put in a big investment in for a future nest egg for when the time comes that I have I do end up retiring.","start":583.66504,"end":604.5,"sentiment":"neutral","sentiment_score":0.2986947647456465},{"text":"And I wanna do that contribution as a out of respect for the portfolio, which I'm trying to inquire about.","start":604.56,"end":613.565,"sentiment":"positive","sentiment_score":0.4418786704540253},{"text":"So I just wanna if I could get enough money out of my portfolio, if if it's possible for me to be able to wipe the slate clean, get what I need to start fresh, and give me the enthusiasm, the drive, and the and the just the desire to try to to to turn my life around and and live a good life, then then that would be awesome.","start":613.565,"end":637.245,"sentiment":"positive","sentiment_score":0.5490684764725822},{"text":"But I could either walk away with literally nothing to my name or I could turn around and wipe the slate clean, and it all depends now what my share portfolio is.","start":637.625,"end":648.525,"sentiment":"neutral","sentiment_score":-0.18213964346796274}],"sentiment":"neutral","sentiment_score":0.3129085255510146,"num_words":202,"start":573.68,"end":648.525},{"sentences":[{"text":"And I need at at the moment, I need to take out as much as I can, as quick as I can, and have it turned over into my account as quick as I possibly can to make make up for my financial shortfall and the hole that I've fallen into that I just can't without employment.","start":648.57,"end":665.85504,"sentiment":"neutral","sentiment_score":-0.25955680417909954},{"text":"This is there's no other option available to me except for this.","start":665.91504,"end":669.775,"sentiment":"negative","sentiment_score":-0.42992228517929715},{"text":"And I think that if if I if I find out that I've got the available funds and I could do that transaction, I'd love to try and get that done as in the shortest time humanly possible and then surrender $40 straight back into the share portfolio to fill the gap and build a bridge to a more financial secure future.","start":669.995,"end":694.83,"sentiment":"neutral","sentiment_score":0.28141337765320656},{"text":"The Hub twenty four.","start":705.425,"end":708.94,"sentiment":"neutral","sentiment_score":-0.005061166710220277},{"text":"The lady you are speaking speaking to on Hub twenty four.","start":708.94,"end":712.08,"sentiment":"neutral","sentiment_score":-0.013227100145410408}],"sentiment":"neutral","sentiment_score":-0.018300812426724867,"num_words":146,"start":648.57,"end":712.08},{"sentences":[{"text":"Yes.","start":783.615,"end":784.115,"sentiment":"neutral","sentiment_score":-0.07174474000930786},{"text":"Mhmm.","start":791.69995,"end":792.19995,"sentiment":"neutral","sentiment_score":0.0014393310993909836},{"text":"Yes.","start":816.195,"end":816.695,"sentiment":"neutral","sentiment_score":-0.052287258207798},{"text":"I really if I could if I if I if I could get the money I need to to to get myself out of this financial hole, I could pretty much do anything and go everywhere and accomplish everything it needs to be accomplished.","start":851.04004,"end":864.575,"sentiment":"neutral","sentiment_score":0.23447173461318016},{"text":"But at the moment, I'm sitting at home.","start":865.115,"end":867.21497,"sentiment":"neutral","sentiment_score":-0.17255460005253553}],"sentiment":"neutral","sentiment_score":0.16024957918985325,"num_words":55,"start":783.615,"end":867.21497},{"sentences":[{"text":"I'm on on twenty on sixteen weeks of settling.","start":867.83496,"end":872.175,"sentiment":"neutral","sentiment_score":-0.17964325182967716},{"text":"The money has run out.","start":872.315,"end":873.615,"sentiment":"negative","sentiment_score":-0.7062129974365234},{"text":"The food is running out.","start":873.92004,"end":875.38,"sentiment":"negative","sentiment_score":-0.6981306552886963},{"text":"The bills have just every bill that I could that I could think of that I have that makes me who I am, that every single one of them are piling up behind to the point where it's it's affected phone access, my home, my loan repayments, my savings.","start":875.44,"end":892.945,"sentiment":"negative","sentiment_score":-0.6472204583031791},{"text":"And now I'm gonna lose my car on top of everything else.","start":893.245,"end":896.60504,"sentiment":"negative","sentiment_score":-0.6666368097066879}],"sentiment":"negative","sentiment_score":-0.6043993962928653,"num_words":80,"start":867.83496,"end":896.60504},{"sentences":[{"text":"And and I'm looking at this eviction notice, and I'm just like, I'm at the point where it's like, at this at this point in time right now, it'd be just hell of a lot more convenient just to walk in the books and just just never walk out.","start":896.60504,"end":914.79,"sentiment":"negative","sentiment_score":-0.4846904630563697},{"text":"I I'm I'm I've just wanted to I've I've literally exhausted every every possible avenue that I could come up with to be able to to be able to just come up with the money that I need in the most desperate, like, the the whatever they call it, the the tenth hour or whatever, where I can't the ability to pay the rent, sort out the situation with my vehicle, get the lot the the money I owe the bank for the this loan repayments, get the phone situated, pull it out, everything, and just plug the slate clean.","start":915.26495,"end":952.745,"sentiment":"negative","sentiment_score":-0.48868219301104543},{"text":"I'm already on a financial hardship arrangement with my loan repayments, and they're on hold until further notice.","start":961.95,"end":968.37,"sentiment":"negative","sentiment_score":-0.4570724119742711},{"text":"I've been hold on hold for a few weeks.","start":968.83,"end":971.17,"sentiment":"negative","sentiment_score":-0.5037029087543488},{"text":"And I said, look, you know, I I I know I said, I know at the moment it's 41,000 or something.","start":971.995,"end":978.71497,"sentiment":"negative","sentiment_score":-0.33602504361243474}],"sentiment":"negative","sentiment_score":-0.4692142512743848,"num_words":197,"start":896.60504,"end":978.71497},{"sentences":[{"text":"And I said, look, you know, I know I'm I'm nearly three grand behind of my payments.","start":978.71497,"end":983.45496,"sentiment":"negative","sentiment_score":-0.5673462152481079},{"text":"And I I if if somehow you can restructure a loan to give me an extra fucking 5 or 6 or $7 just to be able to wipe the slate clean, and I just said, look, you know, under the circumstances considering I well, I've got a loan that I can't that's on the hold in the under financial circumstance.","start":983.83496,"end":1002.57,"sentiment":"negative","sentiment_score":-0.5878773232301077},{"text":"And the fact that I already owe them nearly $3 of payments, you know, that's just gonna be.","start":1002.84503,"end":1007.825,"sentiment":"negative","sentiment_score":-0.38613155401415294},{"text":"And I was just like, man, that's when I rang my super, and they say, well, we can't be forward unless it's been twenty six weeks.","start":1008.765,"end":1014.445,"sentiment":"negative","sentiment_score":-0.36704931465479046},{"text":"You got another seven week wait.","start":1014.445,"end":1015.885,"sentiment":"negative","sentiment_score":-0.42427578568458557}],"sentiment":"negative","sentiment_score":-0.5035970859874891,"num_words":127,"start":978.71497,"end":1015.885},{"sentences":[{"text":"And I I don't have seven weeks.","start":1015.885,"end":1017.45,"sentiment":"negative","sentiment_score":-0.4442576467990875},{"text":"I've got one literally one week.","start":1017.53,"end":1019.87,"sentiment":"negative","sentiment_score":-0.3537756899992625},{"text":"And I've been I I tried.","start":1020.57,"end":1027.71,"sentiment":"neutral","sentiment_score":-0.14734305813908577},{"text":"I've tried.","start":1027.77,"end":1028.33,"sentiment":"neutral","sentiment_score":-0.11700053885579109},{"text":"I've tried.","start":1028.33,"end":1028.5166,"sentiment":"neutral","sentiment_score":-0.12723593413829803}],"sentiment":"neutral","sentiment_score":-0.28717343314834265,"num_words":23,"start":1015.885,"end":1028.5166},{"sentences":[{"text":"I've tried.","start":1028.5166,"end":1028.7034,"sentiment":"neutral","sentiment_score":-0.13016074150800705},{"text":"I've tried.","start":1028.7034,"end":1028.89,"sentiment":"neutral","sentiment_score":-0.13696236163377762},{"text":"I've, like, this is like And I managed to throw everything out of it out at it, and I've got it down to I think it's, $1,485, I think it was.","start":1028.89,"end":1056.0499,"sentiment":"negative","sentiment_score":-0.3354328606397875},{"text":"So I've got it down to that, but then all of a sudden, I've hit a wall because I'm now about to lose my vehicle.","start":1056.59,"end":1062.7251,"sentiment":"negative","sentiment_score":-0.5470321083068848},{"text":"That's gonna go, and I'm gonna lose my I've run I've got all these flight.","start":1063.425,"end":1068.305,"sentiment":"negative","sentiment_score":-0.5312886903683345}],"sentiment":"negative","sentiment_score":-0.43437063932418823,"num_words":75,"start":1028.5166,"end":1068.305},{"sentences":[{"text":"I'm gonna get I I'm I'm literally right on the on that very torque line, the difference between sitting on the legs or falling over the edge of it.","start":1068.305,"end":1077.74,"sentiment":"neutral","sentiment_score":-0.014527596918673351},{"text":"And I'm just I I need to figure out how I can get some sort of financial assistance to be able to cover all the costs so I could get everything fixed, wipe this plate clean, and try to give myself some sort of hype and and meaning.","start":1078.76,"end":1095.2151,"sentiment":"neutral","sentiment_score":-0.0006924035648504893},{"text":"And I and I don't know because I've got a week.","start":1095.2151,"end":1098.735,"sentiment":"neutral","sentiment_score":-0.3170357197523117},{"text":"I I I don't know how to I don't know how to do it.","start":1098.735,"end":1102.04,"sentiment":"negative","sentiment_score":-0.5243310715470996},{"text":"I don't know how to do it on my own.","start":1102.04,"end":1103.24,"sentiment":"negative","sentiment_score":-0.4766528606414795}],"sentiment":"neutral","sentiment_score":-0.14329546613485686,"num_words":112,"start":1068.305,"end":1103.24},{"sentences":[{"text":"I mean, like, the the I don't I've been doing a course in town.","start":1103.24,"end":1106.6,"sentiment":"neutral","sentiment_score":-0.27788650350911276},{"text":"It is a certificate to a business, which I've almost completed.","start":1106.6,"end":1109.8201,"sentiment":"neutral","sentiment_score":-0.015572699464180252},{"text":"But the course the the place I do the course at, they close on Friday.","start":1110.6,"end":1114.28,"sentiment":"neutral","sentiment_score":-0.28143700063228605},{"text":"So I can't go there and use computers to type out anything.","start":1114.28,"end":1118.605,"sentiment":"negative","sentiment_score":-0.5065298651655515},{"text":"Every time I get sent PDFs, I've gotta get them on my phone on my tablet, which is what I'm calling you on, and my phone is gone.","start":1119.3049,"end":1126.925,"sentiment":"neutral","sentiment_score":-0.12934102450630494}],"sentiment":"neutral","sentiment_score":-0.2247896602610126,"num_words":80,"start":1103.24,"end":1126.925},{"sentences":[{"text":"And my tablet, like, it I'd have a hard time trying to do PDFs.","start":1127.545,"end":1135.0199,"sentiment":"negative","sentiment_score":-0.40891329092638834},{"text":"I've only got the word program.","start":1135.1599,"end":1136.62,"sentiment":"neutral","sentiment_score":-0.23778196920951208},{"text":"So it's gonna take me a bit to figure it out.","start":1136.84,"end":1138.76,"sentiment":"neutral","sentiment_score":-0.309187032959678},{"text":"Sometimes I can't even do that.","start":1138.76,"end":1140.2,"sentiment":"negative","sentiment_score":-0.3354715903600057},{"text":"So I've gotta be able to access the forms, be able to fill them out, add all the information, send them off today, or Monday.","start":1140.2,"end":1148.765,"sentiment":"neutral","sentiment_score":-0.11310978204011918}],"sentiment":"neutral","sentiment_score":-0.24827595716041903,"num_words":62,"start":1127.545,"end":1148.765},{"sentences":[{"text":"But I need to get them all loaned in because I literally only have one week.","start":1149.225,"end":1153.725,"sentiment":"neutral","sentiment_score":-0.29496576730161905},{"text":"I've I've already spoken to a lawyer to try and help me get the vehicle sorted to try and have an argument with the the because the reg eyes are almost due, and I'm trying to I'm trying to figure out a way to get some sort of extension plan put in place so I can come up with the money to keep my vehicle registration.","start":1153.785,"end":1175.995,"sentiment":"neutral","sentiment_score":-0.29208681224422023},{"text":"You know, like, I'm still in league while I've still got time to register it, but that's like I'm I'm between my vehicle, my rent, my loan, my phone.","start":1178.295,"end":1189.1,"sentiment":"neutral","sentiment_score":-0.13151494407191358},{"text":"And the whole situation at the moment, like, literally everything that the forest come crashing down on the pole, like, all at once.","start":1189.96,"end":1200.0399,"sentiment":"negative","sentiment_score":-0.5991025022838427},{"text":"And I and I and I don't know.","start":1200.0399,"end":1202.3151,"sentiment":"negative","sentiment_score":-0.41228125244379044}],"sentiment":"neutral","sentiment_score":-0.316117766444427,"num_words":142,"start":1149.225,"end":1202.3151},{"sentences":[{"text":"I've got I've got no options.","start":1202.3151,"end":1204.655,"sentiment":"negative","sentiment_score":-0.6399298508961996},{"text":"I've got absolutely no options.","start":1205.675,"end":1207.535,"sentiment":"negative","sentiment_score":-0.4167595386505127},{"text":"No.","start":1210.715,"end":1211.215,"sentiment":"neutral","sentiment_score":-0.21307647228240967},{"text":"I've got no family.","start":1213.1951,"end":1214.415,"sentiment":"negative","sentiment_score":-0.43826698511838913},{"text":"I've got no friends.","start":1214.475,"end":1215.515,"sentiment":"negative","sentiment_score":-0.46182459592819214}],"sentiment":"negative","sentiment_score":-0.4868409797549248,"num_words":20,"start":1202.3151,"end":1215.515},{"sentences":[{"text":"I've got no contacts.","start":1215.515,"end":1217.1,"sentiment":"negative","sentiment_score":-0.4685830697417259},{"text":"I've got no business partners.","start":1217.1,"end":1218.62,"sentiment":"negative","sentiment_score":-0.5003113687038422},{"text":"I've got no job.","start":1218.62,"end":1219.74,"sentiment":"negative","sentiment_score":-0.6347807943820953},{"text":"I've got nothing.","start":1219.74,"end":1220.8,"sentiment":"negative","sentiment_score":-0.5967878897984823},{"text":"And my phone bill is already a few 100 overdue.","start":1221.42,"end":1225.28,"sentiment":"negative","sentiment_score":-0.6275942742824554}],"sentiment":"negative","sentiment_score":-0.576204565855173,"num_words":26,"start":1215.515,"end":1225.28},{"sentences":[{"text":"It's only because I have the Internet on or not because I just can't I can't have been able to sleep in days.","start":1227.42,"end":1232.7151,"sentiment":"negative","sentiment_score":-0.5855485498905182},{"text":"And so when I get my next settling payment, which is not this which is next Friday, then I'm gonna pay $480 on two weeks rent.","start":1232.7151,"end":1248.4,"sentiment":"neutral","sentiment_score":-0.19902560315453088},{"text":"I'm gonna keep, say, $50.60 bucks aside for food shopping, and the rest goes on my phone bill.","start":1249.02,"end":1255.2,"sentiment":"neutral","sentiment_score":-0.010744096969978677},{"text":"And I'm gonna hope that's enough to keep my my tablet connected so I could try and still book for work and find everything.","start":1255.5,"end":1261.875,"sentiment":"neutral","sentiment_score":0.13461775813872615},{"text":"And I've literally got, like, in one week, it'll look that that once that once that door closes, there's no recovering from it.","start":1261.875,"end":1269.395,"sentiment":"neutral","sentiment_score":-0.2855337245956711}],"sentiment":"neutral","sentiment_score":-0.19449232934500305,"num_words":114,"start":1227.42,"end":1269.395},{"sentences":[{"text":"I'd like everything I own will go on the tip, and I'll walk away from the caravan park with the clothes I'm wearing, and that's it.","start":1269.395,"end":1275.4701,"sentiment":"neutral","sentiment_score":-0.08880514551240665},{"text":"Yeah.","start":1284.17,"end":1284.65,"sentiment":"neutral","sentiment_score":-0.03139900416135788},{"text":"I I'm I'm in a motor home that I own.","start":1284.65,"end":1287.15,"sentiment":"neutral","sentiment_score":-0.041627191752195356},{"text":"But the rego ran out of that couple of weeks ago, so that's now unregistered because I I couldn't come up with the money to keep the rego going.","start":1288.225,"end":1296.565,"sentiment":"negative","sentiment_score":-0.33915530787459736},{"text":"My vehicle rego run on the June 30 and on and maybe between my my phone and my loan repayments, I just can't afford everything anymore.","start":1299.025,"end":1310.0,"sentiment":"negative","sentiment_score":-0.37440576461645275}],"sentiment":"neutral","sentiment_score":-0.24268107079779325,"num_words":92,"start":1269.395,"end":1310.0},{"sentences":[{"text":"It's it's all it's all gone.","start":1310.0,"end":1311.86,"sentiment":"negative","sentiment_score":-0.7216830849647522},{"text":"Yes.","start":1321.8451,"end":1322.3451,"sentiment":"neutral","sentiment_score":0.07710331678390503},{"text":"Yes.","start":1325.285,"end":1325.605,"sentiment":"neutral","sentiment_score":0.20790809392929077},{"text":"I do.","start":1325.605,"end":1326.3451,"sentiment":"neutral","sentiment_score":0.28312766551971436},{"text":"First of all, the the motor home hasn't been started in nearly three years, and it needs a mechanical overhaul before I can actually get started again.","start":1346.2351,"end":1357.79,"sentiment":"neutral","sentiment_score":-0.08788053360250261}],"sentiment":"neutral","sentiment_score":-0.15815151825144486,"num_words":37,"start":1310.0,"end":1357.79},{"sentences":[{"text":"I do have an e scooter that which I can go about 30 kilometers one direction with with having enough power to get back home again.","start":1359.53,"end":1371.63,"sentiment":"neutral","sentiment_score":0.13825101749255106},{"text":"But if winter comes and the rains are to Rachel and it doesn't start raining, I can't like, the the the speed is not gonna work in the rain.","start":1372.295,"end":1380.635,"sentiment":"negative","sentiment_score":-0.409459728619148},{"text":"And, you know, when the the bulk of the work is, it's usually anywhere between about 35 to 45 kilometers away in one direction.","start":1381.255,"end":1393.69,"sentiment":"neutral","sentiment_score":-0.24596267007291317},{"text":"So if I can't use my scooter in the torrential rain and I don't have the money to get to work, the only thing I've got is a four hour walk or two between two to four hour walk in the rain in one direction from the caravan park to get to work, be able to do the whole day shift, and then have to turn around and walk all the way back to the caravan park another two hour walk, two to two to three hour walk.","start":1394.39,"end":1419.2001,"sentiment":"neutral","sentiment_score":-0.1374499493871223},{"text":"And then and then I need to, like, eat, sleep, go to bed, get up, and then do it all again while the rain, it just doesn't stop, and it's just constant, and it's just wet, and it's miserable.","start":1419.2001,"end":1429.385,"sentiment":"negative","sentiment_score":-0.41283472913962144}],"sentiment":"neutral","sentiment_score":-0.20572359096801396,"num_words":206,"start":1359.53,"end":1429.385},{"sentences":[{"text":"And the only thing out of that, the only thing that would would would would would help me be able to get to work is my vehicle.","start":1429.525,"end":1439.365,"sentiment":"neutral","sentiment_score":-0.17342342629476828},{"text":"The only thing that would help me give me any sense of hope or possibility, any kind of way that I could I could actually make life a lot more simpler and easier for myself is if I had that vehicle, no worries.","start":1439.365,"end":1454.76,"sentiment":"positive","sentiment_score":0.611894522988519},{"text":"I can get in that vehicle.","start":1454.76,"end":1456.025,"sentiment":"positive","sentiment_score":0.5390569219986597},{"text":"I can go to work.","start":1456.0851,"end":1456.9651,"sentiment":"positive","sentiment_score":0.540423583984375},{"text":"I can arrive to work on time.","start":1456.9651,"end":1458.805,"sentiment":"positive","sentiment_score":0.4806464910507202}],"sentiment":"positive","sentiment_score":0.3514774644070051,"num_words":88,"start":1429.525,"end":1458.805},{"sentences":[{"text":"I can arrive to work dry.","start":1458.805,"end":1460.8251,"sentiment":"positive","sentiment_score":0.4275492380062739},{"text":"And even when I drive to and from work two, three, four days in a row because of the constant wet weather, I know by the time for Friday, it comes along.","start":1461.525,"end":1470.21,"sentiment":"neutral","sentiment_score":0.0978200196987018},{"text":"I'm not gonna pass out on the ground from exhaustion from having to walk four hours every day in the in the pouring rain.","start":1470.21,"end":1479.11,"sentiment":"negative","sentiment_score":-0.39073583483695984},{"text":"And I'm literally trying to figure out a way.","start":1480.0499,"end":1483.415,"sentiment":"neutral","sentiment_score":-0.27900438672966427},{"text":"I've literally got one week left between everything and and all I need is a financial assistance of some kiss of God miracle of the last minute where I can just get the help that I desperately need to just just turn turn everything around, wipe the slate clean, and give me a chance to be able to find a way to fundamentally get back and become financial stable to the point where I'm not waking up in the morning, trying to come up with a reason not to hang myself today because I'm like, I've still got a chance.","start":1483.415,"end":1515.675,"sentiment":"neutral","sentiment_score":0.12598369143903254}],"sentiment":"neutral","sentiment_score":0.03745734319090843,"num_words":171,"start":1458.805,"end":1515.675},{"sentences":[{"text":"There's someone's gonna help me.","start":1515.675,"end":1516.955,"sentiment":"neutral","sentiment_score":-0.07827446460723878},{"text":"I've still got a chance.","start":1516.955,"end":1517.915,"sentiment":"neutral","sentiment_score":0.014738468080759048},{"text":"Someone's gonna help me.","start":1517.915,"end":1519.295,"sentiment":"neutral","sentiment_score":-0.21445894241333008},{"text":"And I've gone through every single possible fucking thing that exists on this heaven and earth to help me through this.","start":1519.835,"end":1526.955,"sentiment":"negative","sentiment_score":-0.6601092574142274},{"text":"And this phone call is that this is this is my last hurrah.","start":1526.955,"end":1530.4299,"sentiment":"negative","sentiment_score":-0.3825604159098405}],"sentiment":"negative","sentiment_score":-0.41689782426692545,"num_words":48,"start":1515.675,"end":1530.4299},{"sentences":[{"text":"This is all I got left.","start":1530.4299,"end":1532.13,"sentiment":"negative","sentiment_score":-0.36934541662534076},{"text":"This is all I have left.","start":1536.9099,"end":1538.21,"sentiment":"neutral","sentiment_score":-0.2962582881251971},{"text":"Yes.","start":1564.27,"end":1564.77,"sentiment":"neutral","sentiment_score":0.04618365317583084},{"text":"Yes.","start":1567.39,"end":1567.89,"sentiment":"neutral","sentiment_score":0.018071630969643593},{"text":"Yes.","start":1636.495,"end":1636.995,"sentiment":"positive","sentiment_score":0.4356322288513184}],"sentiment":"neutral","sentiment_score":-0.23291564770042897,"num_words":15,"start":1530.4299,"end":1636.995},{"sentences":[{"text":"Yes.","start":1661.275,"end":1661.775,"sentiment":"neutral","sentiment_score":0.10474036633968352},{"text":"Yes.","start":1696.225,"end":1696.5,"sentiment":"neutral","sentiment_score":0.2580474019050598},{"text":"Okay.","start":1724.97,"end":1725.47,"sentiment":"neutral","sentiment_score":-0.21591830253601071},{"text":"Yes.","start":1759.58,"end":1760.08,"sentiment":"neutral","sentiment_score":0.18151603639125824},{"text":"Yeah.","start":1778.31,"end":1778.81,"sentiment":"neutral","sentiment_score":0.2915661931037903}],"sentiment":"neutral","sentiment_score":0.12399033904075622,"num_words":5,"start":1661.275,"end":1778.81},{"sentences":[{"text":"Yes.","start":1786.2976,"end":1786.7976,"sentiment":"neutral","sentiment_score":0.2961598038673401},{"text":"Yeah.","start":1804.125,"end":1804.625,"sentiment":"neutral","sentiment_score":-0.010747607797384262},{"text":"Mhmm.","start":1817.71,"end":1818.21,"sentiment":"neutral","sentiment_score":-0.18819455802440643},{"text":"Yes.","start":1828.785,"end":1829.285,"sentiment":"neutral","sentiment_score":-0.02791081741452217},{"text":"Yes.","start":1849.88,"end":1850.205,"sentiment":"neutral","sentiment_score":-0.044858966022729874}],"sentiment":"neutral","sentiment_score":0.004889570921659469,"num_words":5,"start":1786.2976,"end":1850.205},{"sentences":[{"text":"Okay.","start":1868.6599,"end":1869.1599,"sentiment":"neutral","sentiment_score":0.30257120728492737},{"text":"Okay.","start":1888.095,"end":1888.595,"sentiment":"neutral","sentiment_score":0.09221550822257996},{"text":"Yes.","start":1903.2201,"end":1903.7201,"sentiment":"neutral","sentiment_score":0.04174205660820007},{"text":"Yes.","start":1903.8601,"end":1904.3601,"sentiment":"neutral","sentiment_score":0.10503076016902924},{"text":"Yep.","start":1916.4249,"end":1916.9249,"sentiment":"neutral","sentiment_score":0.16323958337306976}],"sentiment":"neutral","sentiment_score":0.14095982313156127,"num_words":5,"start":1868.6599,"end":1916.9249},{"sentences":[{"text":"Alright.","start":1928.76,"end":1929.26,"sentiment":"neutral","sentiment_score":0.04689035937190056},{"text":"Yes.","start":1958.73,"end":1959.015,"sentiment":"neutral","sentiment_score":0.05306590348482132},{"text":"Yeah.","start":1973.41,"end":1973.91,"sentiment":"neutral","sentiment_score":0.001787358894944191},{"text":"Alright.","start":1984.37,"end":1984.87,"sentiment":"neutral","sentiment_score":0.046044811606407166},{"text":"They they did they said that I I could get food vouchers.","start":1999.44,"end":2004.5,"sentiment":"neutral","sentiment_score":0.09901232738047838}],"sentiment":"neutral","sentiment_score":0.08349602262023836,"num_words":16,"start":1928.76,"end":2004.5},{"sentences":[{"text":"I need but, mind you, that's, like, an hour one hour ride one way into to to from where I am to where I need to be to pick them up.","start":2006.1599,"end":2019.885,"sentiment":"neutral","sentiment_score":-0.022813166161217997},{"text":"While the weather is like this, it's okay.","start":2021.2251,"end":2023.0651,"sentiment":"neutral","sentiment_score":0.08331923931837082},{"text":"I don't mind doing that.","start":2023.0651,"end":2024.525,"sentiment":"neutral","sentiment_score":0.15575737357139588},{"text":"But I said to him, I need something a little bit more substantial than a couple of food vouchers because there's there's a couple of people in the caravan park where every two or three days, they keep coming up to me and giving me just just enough food to get me by.","start":2024.905,"end":2045.2201,"sentiment":"neutral","sentiment_score":-0.23518126542275808},{"text":"So I I I am running out of food.","start":2046.235,"end":2050.335,"sentiment":"negative","sentiment_score":-0.5420110556814406}],"sentiment":"neutral","sentiment_score":-0.15664692393521656,"num_words":106,"start":2006.1599,"end":2050.335},{"sentences":[{"text":"I do have I can get vouchers if I contact them and try to organize something, some sort of assistance.","start":2050.955,"end":2060.92,"sentiment":"neutral","sentiment_score":0.1709552127867937},{"text":"But other than that, I I don't need I I I like I said, I've got I am running out of food, but I've got just enough to get me through to my next Centrelink rotation.","start":2061.3,"end":2076.145,"sentiment":"neutral","sentiment_score":-0.20825730315927002},{"text":"But I don't need food.","start":2079.0051,"end":2081.405,"sentiment":"neutral","sentiment_score":-0.19373260885477067},{"text":"I need I need the money in my account so I can use it to pay off the the $3 I owe for my loan that's overdue.","start":2081.405,"end":2091.9502,"sentiment":"neutral","sentiment_score":-0.25661533105152623},{"text":"The the 1,500 owing on my on my rent here at the caravan park, it's overdue.","start":2092.49,"end":2100.27,"sentiment":"negative","sentiment_score":-0.4116924125701189}],"sentiment":"neutral","sentiment_score":-0.1784857138633155,"num_words":104,"start":2050.955,"end":2100.27},{"sentences":[{"text":"And the $600 on the the claim bill that's gonna be cut off next week if I I've gotta try and pay some of that out of my settling.","start":2100.49,"end":2109.115,"sentiment":"negative","sentiment_score":-0.5636080595953711},{"text":"That's constantly going backwards because I just I can't I could barely sleep, so I can watch the TV most of the night.","start":2109.255,"end":2116.795,"sentiment":"negative","sentiment_score":-0.5964588224887848},{"text":"That's doing up the data, pushing the finger up.","start":2117.07,"end":2119.47,"sentiment":"negative","sentiment_score":-0.5226461854245927},{"text":"So all I'm doing is just I'm just going backwards one day at a time.","start":2119.47,"end":2123.87,"sentiment":"negative","sentiment_score":-0.43903872966766355},{"text":"It's going further and further and further and deeper and deeper and deeper and down, further down that rabbit hole to the point where it's like I'm getting up to the point where there's nothing worth coming back back from up.","start":2123.87,"end":2134.545,"sentiment":"negative","sentiment_score":-0.48498543733503763}],"sentiment":"negative","sentiment_score":-0.5233930443596636,"num_words":117,"start":2100.49,"end":2134.545},{"sentences":[{"text":"I don't I wanna reach out and get some sort of actual assistance.","start":2134.545,"end":2140.7249,"sentiment":"negative","sentiment_score":-0.5971203377613654},{"text":"I mean, I got $90.96 plus grand in the fucking seat bar, and I can't access anything to get myself out.","start":2140.9448,"end":2150.9202,"sentiment":"negative","sentiment_score":-0.643211814619246},{"text":"It's big enough to be able to watch the slate clean that I need to be able to get back on my feet and give myself some breathing room.","start":2150.9202,"end":2158.2202,"sentiment":"negative","sentiment_score":-0.40753975921663743},{"text":"Yes.","start":2190.055,"end":2190.555,"sentiment":"neutral","sentiment_score":0.1722414195537567},{"text":"Yep.","start":2196.6948,"end":2197.1948,"sentiment":"neutral","sentiment_score":0.2385818213224411}],"sentiment":"negative","sentiment_score":-0.502736034989357,"num_words":65,"start":2134.545,"end":2197.1948},{"sentences":[{"text":"Yeah.","start":2213.805,"end":2214.305,"sentiment":"neutral","sentiment_score":-0.10785304009914398},{"text":"Yeah.","start":2240.36,"end":2240.805,"sentiment":"neutral","sentiment_score":-0.11407390236854552},{"text":"Okay.","start":2270.525,"end":2271.025,"sentiment":"neutral","sentiment_score":0.07317059487104416},{"text":"Yes.","start":2302.825,"end":2303.325,"sentiment":"neutral","sentiment_score":0.07774429023265839},{"text":"Yeah.","start":2324.035,"end":2324.535,"sentiment":"neutral","sentiment_score":-0.0910525694489479}],"sentiment":"neutral","sentiment_score":-0.032412925362586976,"num_words":5,"start":2213.805,"end":2324.535},{"sentences":[{"text":"Mhmm.","start":2329.395,"end":2329.65,"sentiment":"neutral","sentiment_score":0.07721159607172012},{"text":"Okay.","start":2338.6099,"end":2339.1099,"sentiment":"neutral","sentiment_score":0.04510039836168289},{"text":"Alright.","start":2343.25,"end":2343.5698,"sentiment":"neutral","sentiment_score":0.1826806515455246},{"text":"Thank you very much.","start":2343.5698,"end":2344.7898,"sentiment":"positive","sentiment_score":0.5306292846798897},{"text":"You have a great I hope you're feeling a bit better, aren't they?","start":2348.2349,"end":2351.775,"sentiment":"positive","sentiment_score":0.5050089588532081}],"sentiment":"positive","sentiment_score":0.4496313124895096,"num_words":20,"start":2329.395,"end":2351.775},{"sentences":[{"text":"I appreciate the phone call.","start":2357.035,"end":2358.7349,"sentiment":"positive","sentiment_score":0.7182645320892334},{"text":"Here we go.","start":2358.795,"end":2359.4429,"sentiment":"positive","sentiment_score":0.40446049968401593},{"text":"Bye.","start":2361.3628,"end":2361.8628,"sentiment":"neutral","sentiment_score":0.19666165113449097},{"text":"Bye.","start":2362.3228,"end":2362.8228,"sentiment":"neutral","sentiment_score":-0.08363217860460281}],"sentiment":"positive","sentiment_score":0.4917733632028103,"num_words":10,"start":2357.035,"end":2362.8228}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Matthew speaking.\n\nChannel 0: Hi, Matthew. My name is Larissa from Brookview Financial. How are you going?\n\nChannel 1: Yes. Good. Thank you. How are you?\n\nChannel 0: Yeah. Good. Thank you. I know you spoke with Jordan not too long ago, and she popped you in my calendar for Monday. But I had a little bit of time this afternoon.\n\nI thought I'd try and give you a call, if that was okay.\n\nChannel 1: Absolutely.\n\nChannel 0: But before I jump into it, I do need to let you know that our calls are recorded. Is that okay? I am so sorry, darling. I am losing my voice. I'm getting a bit sick.\n\nChannel 1: Well, yeah, it kinda sounds like it. But that's okay. As long as you can hear me okay because well, I've had it I'll rest of the phone reception is, yes, not very good.\n\nChannel 0: Nope. I've got you, though. Now Jordan gave me a rundown on your situation, and then I've gone through and had a look at your file notes that we have on file for you. Because I know that you had a conversation with one of my colleagues back late last year as well. And I guess right now, what I wanna do is I wanna get a full picture of where of where you where you're at.\n\nBecause from my understanding, I know you've had a really rough couple years. You were helping a a lady out for a period of time. I know you're currently living in your caravan. And and are you receiving Centrelink benefits not currently working?\n\nChannel 1: So, yes, I everything was going going well. I need yeah. I got got into a minor accident. And now because of the accident, I was laid off work, And I haven't been able to get to work now for I think it's about sixteen weeks. And, yeah, I'm I've basically got one of the things I'm losing is I'm gonna have to lease my vehicle.\n\nI've only got till next Thursday to try and get some sort of money together to save my vehicle. And then the weeks after that, I can focus on paying down my rent and the rears of my loan and my fine bill and everything else because I have well, I've been focusing so hard on on trying to keep my head above water that I don't know. It's just just things around me have been crumbling, and it was only on Tuesday that I went to the litter box, and I got the letter regarding my vehicle. And it I realized I'm I'm literally absolutely right now as it stands on pretty much absolutely irreversibly financially destroyed. I have no job.\n\nI know I've got just a e scooter I used to travel around with, and I'm I'm on Centrelink. I've I've gone through on Wednesday. And on Wednesday, I I rang a a the the settling consultos and and Anglicare, AMZ Bank. And my last resort was to get the super out, but then I realized I don't have twenty six weeks to wait. I mean, I've got another another seven weeks to wait till I got so I hit that twenty six week margin that I need to get access to my super.\n\nAnd I've got until Thursday or Friday next week to to to to come up with enough money just to to to pull me out of this financial hole because I've buried myself too deep. Without employment, it's just my things so very hard. When I on Wednesday, I went around town in Bunbury, and I gathered all the documents that I could prepare them for the financial hardship on my hub twenty four account. And\n\nChannel 0: Yeah.\n\nChannel 1: then I got a set link, and I've got a bit of paper here that shows me that I've only got sixteen weeks out of the twenty three weeks that I need or whatever it is to I'm actually seven weeks behind, and I've only got one week to come up with the money. And then the lady, when I was speaking to the superannuation, she said if so she reminded me that I may possibly have a small share portfolio with OQ Financial under the same account number as I have with my super regulation. So pretty much everything, all the documentation that I have in my position in paper form right now is sitting in my emails that has that includes bank statements, a photocopy of me driver's license. I've just got a message from the manager of the caravan park and showed me what title that I am behind in my rent. So I've got a small summary here just how not awful my financial situation is.\n\nAnd then\n\nChannel 0: Yeah.\n\nChannel 1: I went on Google this morning, and I I because I was just curious, and I thought, well, you know, you guys have been taking out money out of my super ever since I joined up with you. So that was part and parcel with the contract to be able to put in a shared portfolio. I wanted to know if I could if it was possible to take money out of my super and put it into shares. And I got an answer saying yes, and I don't know what the process is or how it's done. But what I wanted to know is, first of all, do I still have an existing share portfolio with Oakview Financial?\n\nIf so, what is the total value of that share portfolio? I wanna know what's the most I can take out of that share portfolio based upon my absolute extreme financial hardship situation, which is just a whole, like, unbelievable. And it should be the total would be for me to wipe the slate clean and get back on my feet would be 9,000 rounding it up would be $9,550. And I remember about two years ago, I think it was I was I was around pretty sure it was around, like, 12 to 16,000 or something like that in there. So I wanted to be able to take enough out, including all the taxes and consult fees and everything else thrown on top so that the net value comes around 9,500 or at least somewhere around $8.08 between 8 to $10.\n\nAnd then I wanted my superannuation account that's got I was told it's got over $96,000 in the superannuation account, and I wanted to take $40,000 out of that and then invest that in through into shares through financial. Once I've completed the withdrawal transaction because of my desperate financial situation. I know sometimes there are, for extreme circumstances, ways you can spearhead the transactions to make the money go through quicker, which is the sort of the direction I need. But I have literally exhausted every avenue, and I'm at the point where I'm I'm trying not to. I'm trying to find a reason, a way, a possibility to be able to find a way to get my slate clean enough because I'm at the point where I'm I'm not ready to give up on life because every other avenue, it just doesn't exist.\n\nSo this phone call is the last chance that I have. And if I've got that share portfolio, I just wanna know how much it is, how much I could take it out, how much I need to take out so that at least I can get $10 after tax or between 8 to $10 after tax out of portfolio. And then try and figure out a way to get it into my account in the next as soon as humanly possible. While at the same time to transferring $40,000 out of my superannuation account and investing it straight back into IP Financial, not only to make up for what I've taken out, but to invest put in a big investment in for a future nest egg for when the time comes that I have I do end up retiring. And I wanna do that contribution as a out of respect for the portfolio, which I'm trying to inquire about.\n\nSo I just wanna if I could get enough money out of my portfolio, if if it's possible for me to be able to wipe the slate clean, get what I need to start fresh, and give me the enthusiasm, the drive, and the and the just the desire to try to to to turn my life around and and live a good life, then then that would be awesome. But I could either walk away with literally nothing to my name or I could turn around and wipe the slate clean, and it all depends now what my share portfolio is. And I need at at the moment, I need to take out as much as I can, as quick as I can, and have it turned over into my account as quick as I possibly can to make make up for my financial shortfall and the hole that I've fallen into that I just can't without employment. This is there's no other option available to me except for this. And I think that if if I if I find out that I've got the available funds and I could do that transaction, I'd love to try and get that done as in the shortest time humanly possible and then surrender $40 straight back into the share portfolio to fill the gap and build a bridge to a more financial secure future.\n\nChannel 0: Okay. So can I just really quickly ask, who told you about the shared portfolio with Oakview?\n\nChannel 1: The Hub twenty four. The lady you are speaking speaking to on Hub twenty four.\n\nChannel 0: Okay. That's okay. So I I think that, like, there needs to be some decent clarity around this. You have a share portfolio, but it's your superannuation portfolio. You don't have any shares personally that you own that are accessible.\n\nThe only shares that you own are those that are under your superannuation account, so they're restricted from being able to be accessed. However yeah. However, based on the fact that you are set to be kicked out of the caravan park and that's with our place of living, we might be able to go to the ATO under Compassionate Grounds and request for a release from your super fund under Compassionate Grounds claims given that the financial hardship, which is direct with the Superfund, won't release money.\n\nChannel 1: Yes.\n\nChannel 0: The way to do the Compassionate Grounds claims is through your myGov account under\n\nChannel 1: Mhmm.\n\nChannel 0: compassionate grounds release, and you would basically utilize the foreclosure of your home as as the grounds on what you're on on how you're claiming, because that would that would basically be where you're at is that, you know, the the caravan parker are gonna kick you out.\n\nChannel 1: Yes.\n\nChannel 0: But how much the ATO will release, I obviously can't attest to that. It's very, very, very, very out of my hands, and I, before I called you, have looked at every avenue because I I even did some exhaustive research on, like, Salvation Army, Vinnies, Anglicare, even like, I looked at men the men's shed. There's a couple of men's sheds around near in your location, which I really, really recommend that you do look at attending a men's shed event. A,\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: really\n\nChannel 0: your mental\n\nChannel 1: if I could if I if I if I could get the money I need to to to get myself out of this financial hole, I could pretty much do anything and go everywhere and accomplish everything it needs to be accomplished. But at the moment, I'm sitting at home. I'm on on twenty on sixteen weeks of settling. The money has run out. The food is running out.\n\nThe bills have just every bill that I could that I could think of that I have that makes me who I am, that every single one of them are piling up behind to the point where it's it's affected phone access, my home, my loan repayments, my savings. And now I'm gonna lose my car on top of everything else. And and I'm looking at this eviction notice, and I'm just like, I'm at the point where it's like, at this at this point in time right now, it'd be just hell of a lot more convenient just to walk in the books and just just never walk out. I I'm I'm I've just wanted to I've I've literally exhausted every every possible avenue that I could come up with to be able to to be able to just come up with the money that I need in the most desperate, like, the the whatever they call it, the the tenth hour or whatever, where\n\nChannel 0: Yeah.\n\nChannel 1: I can't the ability to pay the rent, sort out the situation with my vehicle, get the lot the the money I owe the bank for the this loan repayments, get the phone situated, pull it out, everything, and just plug the slate clean.\n\nChannel 0: Have you called have you called the creditors or, like, the the bankers of the act and gone on the financial hardship? Requested a financial hardship.\n\nChannel 1: I'm already on a financial hardship arrangement with my loan repayments, and they're on hold until further notice. I've been hold on hold for a few weeks. And I said, look, you know, I I I know I said, I know at the moment it's 41,000 or something. And I said, look, you know, I know I'm I'm nearly three grand behind of my payments. And I I if if somehow you can restructure a loan to give me an extra fucking 5 or 6 or $7 just to be able to wipe the slate clean, and I just said, look, you know, under the circumstances considering I well, I've got a loan that I can't that's on the hold in the under financial circumstance.\n\nAnd the fact that I already owe them nearly $3 of payments, you know,\n\nChannel 0: Yes.\n\nChannel 1: that's just\n\nChannel 0: They\n\nChannel 1: gonna\n\nChannel 0: want to\n\nChannel 1: be.\n\nChannel 0: consider it.\n\nChannel 1: And I was just like, man, that's when I rang my super, and they say, well, we can't be forward unless it's been twenty six weeks. You got another seven week wait. And I I don't have seven weeks. I've got one literally one week. And\n\nChannel 0: Is\n\nChannel 1: I've\n\nChannel 0: there any\n\nChannel 1: been\n\nChannel 0: way you can talk talk to the caravan park about extending it till the seven\n\nChannel 1: I\n\nChannel 0: weeks?\n\nChannel 1: I tried. I've tried. I've tried. I've tried. I've tried.\n\nI've, like, this\n\nChannel 0: No.\n\nChannel 1: is like And I managed to throw everything out of it out at it, and I've got it down to I think it's, $1,485, I think it was. So I've got it down to that, but then all of a sudden, I've hit a wall because I'm now about to lose my vehicle. That's gonna go, and I'm gonna lose my I've run I've got all these flight. I'm gonna get I I'm I'm literally right on the on that very torque line, the difference between sitting on the legs or falling over the edge of it. And I'm just I I need to figure out how I can get some sort of financial assistance to be able to cover all the costs so I could get everything fixed, wipe this plate clean, and try to give myself some sort of hype and and meaning.\n\nAnd I and I don't know because I've got a week. I I I don't know how to I don't know how to do it. I don't know how to do it on my own. I mean, like, the the I don't I've been doing a course in town. It is a certificate to a business, which I've almost completed.\n\nBut the course the the place I do the course at, they close on Friday. So I can't go there and use computers to type out anything. Every time\n\nChannel 0: Yeah.\n\nChannel 1: I get sent PDFs, I've gotta get them on my phone on my tablet, which is what I'm calling you on, and my phone is\n\nChannel 0: Yep.\n\nChannel 1: gone. And my tablet, like, it I'd have a hard time trying to do PDFs. I've only got the word program. So it's gonna take me a bit to figure it out. Sometimes I can't even do that.\n\nSo I've gotta be able to access the forms, be able to fill them out, add all the information, send them off today, or Monday. But I need to get them all loaned in because I literally only have one week. I've I've already spoken to a lawyer to try and help me get the vehicle sorted to try and have an argument with the the because the reg eyes are almost due, and I'm trying to I'm trying to figure out a way to get some sort of extension plan put in place so I can come up with the money to keep my vehicle registration. You know, like, I'm still in league while I've still got time to register it, but that's like I'm I'm between my vehicle, my rent, my loan, my phone. And the whole situation at the moment, like, literally everything that the forest come crashing down on the pole, like, all at once.\n\nAnd I and I and I don't know. I've got I've got no options. I've got absolutely\n\nChannel 0: Do you have\n\nChannel 1: no options.\n\nChannel 0: you know, do you have any family that\n\nChannel 1: No.\n\nChannel 0: resides\n\nChannel 1: I've got no family. I've got no friends. I've got no contacts. I've got no business partners. I've got no job.\n\nI've got nothing. And my phone bill is already a few 100 overdue. It's only because I have the Internet on or not because I just can't I can't have been able to sleep in days. And so when I get my next settling payment, which is not this which is next Friday, then I'm gonna pay $480 on two weeks rent. I'm gonna keep, say, $50.60 bucks aside for food shopping, and the rest goes on my phone bill.\n\nAnd I'm gonna hope that's enough to keep my my tablet connected so I could try and still book for work and find everything. And I've literally got, like, in one week, it'll look that that once that once that door closes, there's no recovering from it. I'd like everything I own will go on the tip, and I'll walk away from the caravan park with the clothes I'm wearing, and that's it.\n\nChannel 0: Yeah. And you're in a caravan caravan, I'm assuming. Not a\n\nChannel 1: Yeah. I I'm I'm in a motor home that I own. But the rego ran out of that couple of weeks ago, so that's now unregistered because I I couldn't come up with the money to keep the rego going.\n\nChannel 0: So\n\nChannel 1: My vehicle rego run on the June 30 and on and maybe between\n\nChannel 0: so\n\nChannel 1: my\n\nChannel 0: no.\n\nChannel 1: my phone and my loan repayments, I just can't afford everything anymore. It's it's all it's all gone.\n\nChannel 0: So so just you're in a motor home, not a caravan, so it's a a vehicle that's drivable without a car. Correct?\n\nChannel 1: Yes.\n\nChannel 0: And you own that outright?\n\nChannel 1: Yes. I do.\n\nChannel 0: So have you considered surrendering your car, which removes it removes the need for you to have the loan repayments. You still have a vehicle. You can pay monthly registration on that vehicle. You no longer have to register\n\nChannel 1: First\n\nChannel 0: two vehicles.\n\nChannel 1: of all, the the motor home hasn't been started in nearly three years, and it needs a mechanical overhaul before I can actually get started again. I do have an e scooter that which I can go about 30 kilometers one direction with with having enough power to get back home again. But if winter comes and the rains are to Rachel and it doesn't start raining, I can't like, the the the speed is not gonna work in the rain. And, you know, when the the bulk of the work is, it's usually anywhere between about 35 to 45 kilometers away in one direction. So if I can't use my scooter in the torrential rain and I don't have the money to get to work, the only thing I've got is a four hour walk or two between two to four hour walk in the rain in one direction from the caravan park to get to work, be able to do the whole day shift, and then have to turn around and walk all the way back to the caravan park another two hour walk, two to two to three hour walk.\n\nAnd then and then I need to, like, eat, sleep, go to bed, get up, and then do it all again while the rain, it just doesn't stop, and it's just constant, and it's just wet, and it's miserable. And the only thing out of that, the only thing that would would would would would help me be able to get to work is my vehicle. The only thing that would help me give me any sense of hope or possibility, any kind of way that I could I could actually make life a lot more simpler and easier for myself is if I had that vehicle, no worries. I can get in that vehicle. I can go to work.\n\nI can arrive to work on time. I can arrive to work dry. And even when I drive to and from work two, three, four days in a row because of the constant wet weather, I know by the time for Friday, it comes along. I'm not gonna pass out on the ground from exhaustion from having to walk four hours every day in the in the pouring rain. And I'm literally trying to figure out a way.\n\nI've literally got one week left between everything and and all I need is a financial assistance of some kiss of God miracle of the last minute where I can just get the help that I desperately need to just just turn turn everything around, wipe the slate clean, and give me a chance to be able to find a way to fundamentally get back and become financial stable to the point where I'm not waking up in the morning, trying to come up with a reason not to hang myself today because I'm like, I've still got a chance. There's someone's gonna help me. I've still got a chance. Someone's gonna help me. And I've gone through every single possible fucking thing that exists on this heaven and earth to help me through this.\n\nAnd this phone call is that this is this is my last hurrah. This is all I got left. This is all I have left.\n\nChannel 0: Okay. Sorry. The way forward in in in regards to accessing money, the ATO is and the compassionate release claim is gonna be the way we need to go about it\n\nChannel 1: Yes.\n\nChannel 0: to get money out of your super fund\n\nChannel 1: Yes.\n\nChannel 0: under the foreclosure component. In regards to the car, I I really, really understand what you're saying. I I I do, and I'm not trying to discredit the fact that the car is important. But from for all intents and purposes, what we're currently saying is that you are $40 in the whole, and you owe $40 for a car in which you are $3 in arrears on that payment. That car is currently not serving a purpose because we don't currently have a job.\n\nWhat we do currently have is an e scooter, which is a motor transport. Yes. I understand completely that it's not ideal when it's raining, and I understand rain season's around the corner. But you also have a motor home. I understand that it doesn't currently move, that that motor home needs to remain an asset to you and accessible to you because otherwise you are on the street.\n\nCurrently, you are dry and you have a place to actually put your head that's warm and dry. So\n\nChannel 1: Yes.\n\nChannel 0: I wanna keep I wanna keep that that asset is more important than the car. The car, yes, I get it. It it's important, and it gets you to where you need to be. But, realistically speaking, the motor home, if we can get it to have an overhaul mechanically, then it can be it can serve as both a home and a vehicle to get you from a to b.\n\nChannel 1: Yes.\n\nChannel 0: So I think we need to surrender the car as much as that hurts and as much as we we might wanna keep it. The car needs to be surrendered back to the lender to clear the debt because you you you currently can't service it. And then once we're back on our feet, we can go and find another car. But instead of buying a 40 car, maybe we go and grab a 4 or $5 car, something that we we can serve it serves serves what we need to do. Obviously, I\n\nChannel 1: Yes.\n\nChannel 0: understand once we have a job, we're gonna be in a much better position because we'll have good income coming in and all happens. But right now, unless you can get a job today and that job is able to pay you by the end of the week or is able to pay you ahead of time, The circumstance is is that we don't currently have any money outside of Centrelink.\n\nChannel 1: Okay.\n\nChannel 0: So I think it's a serious you you're gonna need to seriously think over the weekend about with respect to the car, do we do we actually go to rent it to, you know, make make the call to to the lender, to the person that you know, the people that have the loan for that vehicle and inform them that you're gonna surrender the car, have a conversation with them about what that looks like.\n\nChannel 1: Yes.\n\nChannel 0: Mhmm. It reduces down on the amount of debts that you have on where you currently sit. It means that you're no longer trying to sink money into a vehicle that, realistically, you don't have the affordability to be able to run at full capacity right now anyway.\n\nChannel 1: Yeah.\n\nChannel 0: If we can get the camper trailer, the the the camper van up and running, then you have both a vehicle and a home.\n\nChannel 1: Yes.\n\nChannel 0: You become a turtle, so to speak, which means that you're safe and secure and still have somewhere to reside because the camper van is gonna be a lot more comfortable than trying to sleep in the back of a 40,000 car that you can't afford.\n\nChannel 1: Yeah.\n\nChannel 0: Now with the ATO, I can send you an email on how to lodge that application because it's with the with myGov. I obviously don't have access to your myGov. I would\n\nChannel 1: Mhmm.\n\nChannel 0: never and no one ever should ask to gain access to your myGov. It has a lot of your personal information in it. So it is an application that you're gonna have to submit yourself.\n\nChannel 1: Yes.\n\nChannel 0: Obviously, the sec like, once once it's once it's approved, you know, I will I will make sure the money from Hub twenty four is released immediately. But the ATO have to be the one to approve it. You can put an escalation statement on the application.\n\nChannel 1: Yes.\n\nChannel 0: The ATO are actually pretty quick at reviewing the applications, to be honest. They're not too bad. And you have all the documents, which is good. That's going to get you money. I just can't tell you how much money, but that will get you money once the ATO review it and have a look at it.\n\nWe\n\nChannel 1: Okay.\n\nChannel 0: can obviously still go ahead in seven weeks' time and look at releasing money from super under financial hardship as well, and that'll be $10 less taxes. So it'll be about 7 and a half in hand, And that'll give you more money to get you back on your feet a little bit more, and it'll allow you to breathe.\n\nChannel 1: Okay.\n\nChannel 0: It's not gonna bring you your car back, but, realistically, at this point, we need to forget about the luxuries and we need to be conserving. Have you ever heard of Maslow's hierarchy of needs?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Cool. Right now, we're at the base need and we're trying to make sure that you have your safety. And how we do that is food, air, water, shelter. So we\n\nChannel 1: Yep.\n\nChannel 0: need to conserve the food. We need to conserve the shelter. That is our base needs, and we need to make sure that that's what we're conserving and that's what we're keeping safe for you. Alright?\n\nChannel 1: Alright.\n\nChannel 0: If I had $10 to give you personally, I would, but I I I don't. I don't have anything that I could give you personally. But what I will do is I will send you an email now, and I will just double check. Your email address is misterniceguy@misterniceguy1211612atgmail.com?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Alright. I will send you an email now with the compassionate grant Compassionate Grounds steps. As I said, you're gonna go under a foreclosure\n\nChannel 1: Yeah.\n\nChannel 0: of your home claim. That's essentially what you're you're claiming for and go through that way. Outside\n\nChannel 1: Alright.\n\nChannel 0: of that, how and you said that you contacted all the services around your area. Did they come back to you with anything? Have they given you food vouchers? Have they assisted in any\n\nChannel 1: They\n\nChannel 0: way?\n\nChannel 1: they did they said that I I could get food vouchers. I need but, mind you, that's, like, an hour one hour ride one way into to to from where I am to where I need to be to pick them up. While the weather is like this, it's okay. I don't mind doing that. But I said to him, I need something a little bit more substantial than a couple of food vouchers because there's there's a couple of people in the caravan park where every two or three days, they keep coming up to me and giving me just just enough food to get me by.\n\nSo I I I am running out of food. I do have I can get vouchers if I contact them and try to organize something, some sort of assistance. But other than that, I I don't need I I I like I said, I've got I am running out of food, but I've got just enough to get me through to my next Centrelink rotation.\n\nChannel 0: Okay.\n\nChannel 1: But I don't need food. I need I need the money in my account so I can use it to pay off the the $3 I owe for my loan that's overdue. The the 1,500 owing on my on my rent here at the caravan park, it's overdue. And the $600 on the the claim bill that's gonna be cut off next week if I I've gotta try and pay some of that out of my settling. That's constantly going backwards because I just I can't I could barely sleep, so I can watch the TV most of the night.\n\nThat's doing up the data, pushing the finger up. So all I'm doing is just I'm just going backwards one day at a time. It's going further and further and further and deeper and deeper and deeper and down, further down that rabbit hole to the point where it's like I'm getting up to the point where there's nothing worth coming back back from up. I don't I wanna reach out and get some sort of actual assistance. I mean, I got $90.96 plus grand in the fucking seat bar, and I can't access anything to get myself out.\n\nIt's big enough to be able to watch the slate clean that I need to be able to get back on my feet and give myself some breathing room.\n\nChannel 0: Yeah. I know. I know. And there is light at the end of the tunnel that you do have that money, and that comes to you one day. Hey.\n\nIt's just not not necessarily today, but it is yours. It's just we have to wait for it. So right now, what we're gonna do is I'm sending you an email. You're gonna spend the afternoon doing the application to the ATO.\n\nChannel 1: Yes.\n\nChannel 0: And then on Monday, I'm giving you a call, and we're gonna touch base together again.\n\nChannel 1: Yep.\n\nChannel 0: I'm going to sit down and spend my weekend doing some research and seeing if there's any other avenues that we have that you haven't looked into that I can think of. I'm gonna reach out to a few of my contacts to see where we can go.\n\nChannel 1: Yeah.\n\nChannel 0: I want you to really, really think about forfeiting that vehicle. I I understand that it is a massive ask, but, realistically, the only other avenue we have is bankruptcy, which means that you lose it anyway. And that's kind of where everyone's gonna start pushing soon.\n\nChannel 1: Yeah.\n\nChannel 0: K. It's not the end of the world to go bankrupt. People come back from it. It's okay. It's just gonna exact exactly as I said, Maslow's hierarchy of needs.\n\nWe're just gonna deal with that base need right now, which is safety and security. We're just gonna make sure that you are safe and secure through your belly, shelter overhead. Okay?\n\nChannel 1: Okay.\n\nChannel 0: And I know I know that money does fix that. Money makes the world go round, but there's things we can do to make that happen. Forfeiting the vehicle means that that full that $3,000 that's owed is no longer owed. It means that from your Centrelink payment, money can be directed to the caravan park. So that way, you still have access to your vehicle, and you stay where you are in a safe environment with people that obviously care about you considering they're sharing their food.\n\nChannel 1: Yes.\n\nChannel 0: Okay? You don't have no one. You have people, and they're obviously caring. K? We just need to make some hard decisions and get rid of things that we may might not wanna get rid of.\n\nThe car's a massive one, unfortunately.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. So I want you to really think about it over the weekend. We will talk\n\nChannel 1: Mhmm.\n\nChannel 0: about it on Monday morning at 9AM. I will still call you, but I'm gonna sit down and send you an email right now so you can do the ATO stuff. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Okay. And I will talk to you Monday morning.\n\nChannel 1: Alright. Thank you\n\nChannel 0: Deal?\n\nChannel 1: very much.\n\nChannel 0: You're welcome, Matthew.\n\nChannel 1: You\n\nChannel 0: Speak\n\nChannel 1: have a\n\nChannel 0: to\n\nChannel 1: great\n\nChannel 0: you then.\n\nChannel 1: I hope you're feeling a bit better, aren't they?\n\nChannel 0: Thank you. You have a good weekend too, and we'll speak soon.\n\nChannel 1: I appreciate the phone call. Here we go.\n\nChannel 0: That's fine. Bye, Matthew.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.96,"sentiment":"neutral","sentiment_score":0.027797596529126167},{"text":"Matthew speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.020176787860691547}],"sentiment":"neutral","sentiment_score":0.022717057416836422,"channel":1,"num_words":3,"start":0.48,"end":1.78},{"sentences":[{"text":"Hi, Matthew.","start":2.8,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.1439923346042633},{"text":"My name is Larissa from Brookview Financial.","start":3.6799998,"end":6.16,"sentiment":"neutral","sentiment_score":0.16042892847742354},{"text":"How are you going?","start":6.16,"end":7.06,"sentiment":"neutral","sentiment_score":0.20303091034293175}],"sentiment":"neutral","sentiment_score":0.17100852384017065,"channel":0,"num_words":13,"start":2.8,"end":7.06},{"sentences":[{"text":"Yes.","start":7.52,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.2892568111419678},{"text":"Good.","start":7.8399997,"end":8.16,"sentiment":"positive","sentiment_score":0.5913580060005188},{"text":"Thank you.","start":8.16,"end":8.559999,"sentiment":"positive","sentiment_score":0.6004481911659241},{"text":"How are you?","start":8.559999,"end":9.38,"sentiment":"positive","sentiment_score":0.3628525932629903}],"sentiment":"positive","sentiment_score":0.45286699703761507,"channel":1,"num_words":7,"start":7.52,"end":9.38},{"sentences":[{"text":"Yeah.","start":10.48,"end":10.88,"sentiment":"neutral","sentiment_score":0.22981911897659305},{"text":"Good.","start":10.88,"end":11.28,"sentiment":"positive","sentiment_score":0.46684807538986206},{"text":"Thank you.","start":11.28,"end":12.179999,"sentiment":"positive","sentiment_score":0.5285308957099915},{"text":"I know you spoke with Jordan not too long ago, and she popped you in my calendar for Monday.","start":13.415,"end":19.994999,"sentiment":"neutral","sentiment_score":0.1253099172915283},{"text":"But I had a little bit of time this afternoon.","start":20.535,"end":23.255001,"sentiment":"neutral","sentiment_score":0.01201854795217514}],"sentiment":"neutral","sentiment_score":0.12893342102567354,"channel":0,"num_words":33,"start":10.48,"end":23.255001},{"sentences":[{"text":"I thought I'd try and give you a call, if that was okay.","start":23.255001,"end":26.314999,"sentiment":"neutral","sentiment_score":0.08741297057041755}],"sentiment":"neutral","sentiment_score":0.08741297057041755,"channel":0,"num_words":13,"start":23.255001,"end":26.314999},{"sentences":[{"text":"Absolutely.","start":27.224998,"end":27.724998,"sentiment":"neutral","sentiment_score":0.1252957284450531}],"sentiment":"neutral","sentiment_score":0.1252957284450531,"channel":1,"num_words":1,"start":27.224998,"end":27.724998},{"sentences":[{"text":"But before I jump into it, I do need to let you know that our calls are recorded.","start":30.619999,"end":36.059998,"sentiment":"neutral","sentiment_score":-0.0002440103433198401},{"text":"Is that okay?","start":36.059998,"end":36.879997,"sentiment":"neutral","sentiment_score":0.02212348332007726},{"text":"I am so sorry, darling.","start":42.475,"end":43.675,"sentiment":"negative","sentiment_score":-0.5186239421367645},{"text":"I am losing my voice.","start":43.675,"end":44.555,"sentiment":"negative","sentiment_score":-0.7185798048973083},{"text":"I'm getting a bit sick.","start":44.555,"end":45.774998,"sentiment":"negative","sentiment_score":-0.6797884106636047}],"sentiment":"neutral","sentiment_score":-0.2645272923529976,"channel":0,"num_words":36,"start":30.619999,"end":45.774998},{"sentences":[{"text":"Well, yeah, it kinda sounds like it.","start":46.255,"end":48.575,"sentiment":"neutral","sentiment_score":-0.25176115121160236},{"text":"But that's okay.","start":48.575,"end":49.635,"sentiment":"neutral","sentiment_score":-0.05274003247419993},{"text":"As long as you can hear me okay because well, I've had it I'll rest of the phone reception is, yes, not very good.","start":50.175,"end":58.71,"sentiment":"neutral","sentiment_score":-0.2196506488447388}],"sentiment":"neutral","sentiment_score":-0.21153422729933963,"channel":1,"num_words":34,"start":46.255,"end":58.71},{"sentences":[{"text":"Nope.","start":59.77,"end":60.27,"sentiment":"neutral","sentiment_score":-0.1849723756313324},{"text":"I've got you, though.","start":60.33,"end":61.550003,"sentiment":"neutral","sentiment_score":-0.08820347115397453},{"text":"Now Jordan gave me a rundown on your situation, and then I've gone through and had a look at your file notes that we have on file for you.","start":63.050003,"end":71.585,"sentiment":"neutral","sentiment_score":0.06219298212692655},{"text":"Because I know that you had a conversation with one of my colleagues back late last year as well.","start":72.924995,"end":79.659996,"sentiment":"neutral","sentiment_score":0.01890895809782179},{"text":"And I guess right now, what I wanna do is I wanna get a full picture of where of where you where you're at.","start":80.28,"end":87.0,"sentiment":"neutral","sentiment_score":0.04977106132234136}],"sentiment":"neutral","sentiment_score":0.036617998662707096,"channel":0,"num_words":77,"start":59.77,"end":87.0},{"sentences":[{"text":"Because from my understanding, I know you've had a really rough couple years.","start":87.0,"end":91.74,"sentiment":"neutral","sentiment_score":-0.18550334240381533},{"text":"You were helping a a lady out for a period of time.","start":92.825005,"end":96.285,"sentiment":"neutral","sentiment_score":-0.15457796305418015},{"text":"I know you're currently living in your caravan.","start":96.825005,"end":98.765,"sentiment":"neutral","sentiment_score":-0.046662078239023685},{"text":"And and are you receiving Centrelink benefits not currently working?","start":99.545,"end":106.285,"sentiment":"neutral","sentiment_score":-0.0318242397159338}],"sentiment":"neutral","sentiment_score":-0.11530274490630904,"channel":0,"num_words":43,"start":87.0,"end":106.285},{"sentences":[{"text":"So, yes, I everything was going going well.","start":107.534996,"end":111.555,"sentiment":"neutral","sentiment_score":0.04432524787262083},{"text":"I need yeah.","start":114.03,"end":117.47,"sentiment":"neutral","sentiment_score":-0.17746478815873465},{"text":"I got got into a minor accident.","start":117.47,"end":119.97,"sentiment":"negative","sentiment_score":-0.37754872015544344},{"text":"And now because of the accident, I was laid off work, And I haven't been able to get to work now for I think it's about sixteen weeks.","start":120.91,"end":137.625,"sentiment":"negative","sentiment_score":-0.3746851608157158},{"text":"And, yeah, I'm I've basically got one of the things I'm losing is I'm gonna have to lease my vehicle.","start":138.885,"end":156.26,"sentiment":"negative","sentiment_score":-0.47671507447957995}],"sentiment":"negative","sentiment_score":-0.346153324469924,"channel":1,"num_words":66,"start":107.534996,"end":156.26},{"sentences":[{"text":"I've only got till next Thursday to try and get some sort of money together to save my vehicle.","start":156.26,"end":164.625,"sentiment":"negative","sentiment_score":-0.338358431270248},{"text":"And then the weeks after that, I can focus on paying down my rent and the rears of my loan and my fine bill and everything else because I have well, I've been focusing so hard on on trying to keep my head above water that I don't know.","start":166.205,"end":192.655,"sentiment":"neutral","sentiment_score":-0.2012231983244419},{"text":"It's just just things around me have been crumbling, and it was only on Tuesday that I went to the litter box, and I got the letter regarding my vehicle.","start":192.655,"end":203.81999,"sentiment":"negative","sentiment_score":-0.4142169013619423},{"text":"And it I realized I'm I'm literally absolutely right now as it stands on pretty much absolutely irreversibly financially destroyed.","start":203.81999,"end":217.975,"sentiment":"negative","sentiment_score":-0.753419654071331},{"text":"I have no job.","start":218.91501,"end":220.295,"sentiment":"negative","sentiment_score":-0.780296117067337}],"sentiment":"negative","sentiment_score":-0.3844658319884148,"channel":1,"num_words":122,"start":156.26,"end":220.295},{"sentences":[{"text":"I know I've got just a e scooter I used to travel around with, and I'm I'm on Centrelink.","start":223.235,"end":229.255,"sentiment":"neutral","sentiment_score":-0.2590491391326252},{"text":"I've I've gone through on Wednesday.","start":230.22,"end":233.84001,"sentiment":"neutral","sentiment_score":-0.18296865125497183},{"text":"And on Wednesday, I I rang a a the the settling consultos and and Anglicare, AMZ Bank.","start":234.86,"end":249.405,"sentiment":"neutral","sentiment_score":-0.054062510895378446},{"text":"And my last resort was to get the super out, but then I realized I don't have twenty six weeks to wait.","start":249.94499,"end":258.87,"sentiment":"neutral","sentiment_score":-0.27351443960585375},{"text":"I mean, I've got another another seven weeks to wait till I got so I hit that twenty six week margin that I need to get access to my super.","start":259.81,"end":271.19,"sentiment":"negative","sentiment_score":-0.4386448676387469}],"sentiment":"neutral","sentiment_score":-0.2778241695400248,"channel":1,"num_words":94,"start":223.235,"end":271.19},{"sentences":[{"text":"And I've got until Thursday or Friday next week to to to to come up with enough money just to to to pull me out of this financial hole because I've buried myself too deep.","start":273.945,"end":287.31998,"sentiment":"negative","sentiment_score":-0.3930162787437439},{"text":"Without employment, it's just my things so very hard.","start":288.18,"end":292.36,"sentiment":"negative","sentiment_score":-0.6592120329538981},{"text":"When I on Wednesday, I went around town in Bunbury, and I gathered all the documents that I could prepare them for the financial hardship on my hub twenty four account.","start":294.41998,"end":310.375,"sentiment":"neutral","sentiment_score":-0.09890311836234984},{"text":"And","start":311.635,"end":311.875,"sentiment":"neutral","sentiment_score":-0.032937176525592804}],"sentiment":"neutral","sentiment_score":-0.29983436708387573,"channel":1,"num_words":76,"start":273.945,"end":311.875},{"sentences":[{"text":"Yeah.","start":311.755,"end":312.255,"sentiment":"neutral","sentiment_score":-0.04151697456836701}],"sentiment":"neutral","sentiment_score":-0.04151697456836701,"channel":0,"num_words":1,"start":311.755,"end":312.255},{"sentences":[{"text":"then I got a set link, and I've got a bit of paper here that shows me that I've only got sixteen weeks out of the twenty three weeks that I need or whatever it is to I'm actually seven weeks behind, and I've only got one week to come up with the money.","start":311.875,"end":327.45,"sentiment":"neutral","sentiment_score":-0.25963889048607264},{"text":"And then the lady, when I was speaking to the superannuation, she said if so she reminded me that I may possibly have a small share portfolio with OQ Financial under the same account number as I have with my super regulation.","start":327.45,"end":345.36002,"sentiment":"neutral","sentiment_score":-0.06446838990918227},{"text":"So pretty much everything, all the documentation that I have in my position in paper form right now is sitting in my emails that has that includes bank statements, a photocopy of me driver's license.","start":345.5,"end":360.64502,"sentiment":"neutral","sentiment_score":0.015388373498405728},{"text":"I've just got a message from the manager of the caravan park and showed me what title that I am behind in my rent.","start":361.745,"end":372.63,"sentiment":"neutral","sentiment_score":-0.1506277850518624},{"text":"So I've got a small summary here just how not awful my financial situation is.","start":372.63,"end":380.33,"sentiment":"neutral","sentiment_score":-0.25677428568402927}],"sentiment":"neutral","sentiment_score":-0.13915447362643832,"channel":1,"num_words":170,"start":311.875,"end":380.33},{"sentences":[{"text":"And then","start":381.03,"end":381.77,"sentiment":"neutral","sentiment_score":-0.15807566419243813}],"sentiment":"neutral","sentiment_score":-0.15807566419243813,"channel":1,"num_words":2,"start":381.03,"end":381.77},{"sentences":[{"text":"Yeah.","start":381.49002,"end":381.99002,"sentiment":"neutral","sentiment_score":-0.101377472281456}],"sentiment":"neutral","sentiment_score":-0.101377472281456,"channel":0,"num_words":1,"start":381.49002,"end":381.99002},{"sentences":[{"text":"I went on Google this morning, and I I because I was just curious, and I thought, well, you know, you guys have been taking out money out of my super ever since I joined up with you.","start":383.345,"end":392.785,"sentiment":"neutral","sentiment_score":-0.2493261682163728},{"text":"So that was part and parcel with the contract to be able to put in a shared portfolio.","start":392.785,"end":396.885,"sentiment":"neutral","sentiment_score":-0.018313990905880928},{"text":"I wanted to know if I could if it was possible to take money out of my super and put it into shares.","start":397.79,"end":403.65002,"sentiment":"neutral","sentiment_score":-0.11792581269274587},{"text":"And I got an answer saying yes, and I don't know what the process is or how it's done.","start":403.87003,"end":409.57,"sentiment":"neutral","sentiment_score":-0.10928925538533613},{"text":"But what I wanted to know is, first of all, do I still have an existing share portfolio with Oakview Financial?","start":410.195,"end":421.495,"sentiment":"neutral","sentiment_score":-0.01350731597769828}],"sentiment":"neutral","sentiment_score":-0.12501251603625402,"channel":1,"num_words":119,"start":383.345,"end":421.495},{"sentences":[{"text":"If so, what is the total value of that share portfolio?","start":421.955,"end":425.335,"sentiment":"neutral","sentiment_score":0.014195412736047398},{"text":"I wanna know what's the most I can take out of that share portfolio based upon my absolute extreme financial hardship situation, which is just a whole, like, unbelievable.","start":427.37,"end":440.51,"sentiment":"neutral","sentiment_score":-0.2670708481093933},{"text":"And it should be the total would be for me to wipe the slate clean and get back on my feet would be 9,000 rounding it up would be $9,550.","start":442.195,"end":455.30002,"sentiment":"neutral","sentiment_score":-0.09961223546415568},{"text":"And I remember about two years ago, I think it was I was I was around pretty sure it was around, like, 12 to 16,000 or something like that in there.","start":455.92,"end":467.6,"sentiment":"neutral","sentiment_score":-0.08242583791575124},{"text":"So I wanted to be able to take enough out, including all the taxes and consult fees and everything else thrown on top so that the net value comes around 9,500 or at least somewhere around $8.08 between 8 to $10.","start":467.6,"end":484.935,"sentiment":"neutral","sentiment_score":0.05057227420734196}],"sentiment":"neutral","sentiment_score":-0.07788035106963255,"channel":1,"num_words":142,"start":421.955,"end":484.935},{"sentences":[{"text":"And then I wanted my superannuation account that's got I was told it's got over $96,000 in the superannuation account, and I wanted to take $40,000 out of that and then invest that in through into shares through financial.","start":485.73,"end":506.98502,"sentiment":"neutral","sentiment_score":0.030858274931326892},{"text":"Once I've completed the withdrawal transaction because of my desperate financial situation.","start":508.165,"end":516.3,"sentiment":"negative","sentiment_score":-0.3428585547953844},{"text":"I know sometimes there are, for extreme circumstances, ways you can spearhead the transactions to make the money go through quicker, which is the sort of the direction I need.","start":516.83997,"end":528.51495,"sentiment":"neutral","sentiment_score":0.09567018287877242},{"text":"But I have literally exhausted every avenue, and I'm at the point where I'm I'm trying not to.","start":530.255,"end":539.555,"sentiment":"negative","sentiment_score":-0.3705346832672755},{"text":"I'm trying to find a reason, a way, a possibility to be able to find a way to get my slate clean enough because I'm at the point where I'm I'm not ready to give up on life because every other avenue, it just doesn't exist.","start":540.11,"end":555.155,"sentiment":"neutral","sentiment_score":-0.21896987975291585}],"sentiment":"neutral","sentiment_score":-0.1157445739055502,"channel":1,"num_words":145,"start":485.73,"end":555.155},{"sentences":[{"text":"So this phone call is the last chance that I have.","start":555.155,"end":558.515,"sentiment":"neutral","sentiment_score":-0.19234402139078488},{"text":"And if I've got that share portfolio, I just wanna know how much it is, how much I could take it out, how much I need to take out so that at least I can get $10 after tax or between 8 to $10 after tax out of portfolio.","start":558.515,"end":571.46,"sentiment":"neutral","sentiment_score":0.12688424118927547},{"text":"And then try and figure out a way to get it into my account in the next as soon as humanly possible.","start":573.68,"end":582.34,"sentiment":"neutral","sentiment_score":0.2017876197668639},{"text":"While at the same time to transferring $40,000 out of my superannuation account and investing it straight back into IP Financial, not only to make up for what I've taken out, but to invest put in a big investment in for a future nest egg for when the time comes that I have I do end up retiring.","start":583.66504,"end":604.5,"sentiment":"neutral","sentiment_score":0.2986947647456465},{"text":"And I wanna do that contribution as a out of respect for the portfolio, which I'm trying to inquire about.","start":604.56,"end":613.565,"sentiment":"positive","sentiment_score":0.4418786704540253}],"sentiment":"neutral","sentiment_score":0.21689213113859296,"channel":1,"num_words":160,"start":555.155,"end":613.565},{"sentences":[{"text":"So I just wanna if I could get enough money out of my portfolio, if if it's possible for me to be able to wipe the slate clean, get what I need to start fresh, and give me the enthusiasm, the drive, and the and the just the desire to try to to to turn my life around and and live a good life, then then that would be awesome.","start":613.565,"end":637.245,"sentiment":"positive","sentiment_score":0.5490684764725822},{"text":"But I could either walk away with literally nothing to my name or I could turn around and wipe the slate clean, and it all depends now what my share portfolio is.","start":637.625,"end":648.525,"sentiment":"neutral","sentiment_score":-0.18213964346796274},{"text":"And I need at at the moment, I need to take out as much as I can, as quick as I can, and have it turned over into my account as quick as I possibly can to make make up for my financial shortfall and the hole that I've fallen into that I just can't without employment.","start":648.57,"end":665.85504,"sentiment":"neutral","sentiment_score":-0.25955680417909954},{"text":"This is there's no other option available to me except for this.","start":665.91504,"end":669.775,"sentiment":"negative","sentiment_score":-0.42992228517929715},{"text":"And I think that if if I if I find out that I've got the available funds and I could do that transaction, I'd love to try and get that done as in the shortest time humanly possible and then surrender $40 straight back into the share portfolio to fill the gap and build a bridge to a more financial secure future.","start":669.995,"end":694.83,"sentiment":"neutral","sentiment_score":0.28141337765320656}],"sentiment":"neutral","sentiment_score":0.12918518848173607,"channel":1,"num_words":233,"start":613.565,"end":694.83},{"sentences":[{"text":"Okay.","start":695.88995,"end":696.38995,"sentiment":"neutral","sentiment_score":0.03479914367198944},{"text":"So can I just really quickly ask, who told you about the shared portfolio with Oakview?","start":696.44995,"end":703.235,"sentiment":"neutral","sentiment_score":0.011104340257588774}],"sentiment":"neutral","sentiment_score":0.012498152223141754,"channel":0,"num_words":17,"start":695.88995,"end":703.235},{"sentences":[{"text":"The Hub twenty four.","start":705.425,"end":708.94,"sentiment":"neutral","sentiment_score":-0.005061166710220277},{"text":"The lady you are speaking speaking to on Hub twenty four.","start":708.94,"end":712.08,"sentiment":"neutral","sentiment_score":-0.013227100145410408}],"sentiment":"neutral","sentiment_score":-0.011049517896026373,"channel":1,"num_words":15,"start":705.425,"end":712.08},{"sentences":[{"text":"Okay.","start":712.91003,"end":713.23004,"sentiment":"neutral","sentiment_score":0.012681265361607076},{"text":"That's okay.","start":713.23004,"end":713.87,"sentiment":"neutral","sentiment_score":0.029987936839461327},{"text":"So I I think that, like, there needs to be some decent clarity around this.","start":713.87,"end":720.13,"sentiment":"neutral","sentiment_score":-0.07496052036682764},{"text":"You have a share portfolio, but it's your superannuation portfolio.","start":720.59,"end":725.96497,"sentiment":"neutral","sentiment_score":-0.06427812688052655},{"text":"You don't have any shares personally that you own that are accessible.","start":726.825,"end":732.605,"sentiment":"neutral","sentiment_score":-0.1102569866925478}],"sentiment":"neutral","sentiment_score":-0.0754403943894431,"channel":0,"num_words":40,"start":712.91003,"end":732.605},{"sentences":[{"text":"The only shares that you own are those that are under your superannuation account, so they're restricted from being able to be accessed.","start":732.665,"end":742.62,"sentiment":"neutral","sentiment_score":-0.1230095184367636},{"text":"However yeah.","start":748.935,"end":751.115,"sentiment":"neutral","sentiment_score":-0.10277844592928886},{"text":"However, based on the fact that you are set to be kicked out of the caravan park and that's with our place of living, we might be able to go to the ATO under Compassionate Grounds and request for a release from your super fund under Compassionate Grounds claims given that the financial hardship, which is direct with the Superfund, won't release money.","start":754.375,"end":783.065,"sentiment":"negative","sentiment_score":-0.37573723305785467}],"sentiment":"neutral","sentiment_score":-0.30347978975623846,"channel":0,"num_words":88,"start":732.665,"end":783.065},{"sentences":[{"text":"Yes.","start":783.615,"end":784.115,"sentiment":"neutral","sentiment_score":-0.07174474000930786}],"sentiment":"neutral","sentiment_score":-0.07174474000930786,"channel":1,"num_words":1,"start":783.615,"end":784.115},{"sentences":[{"text":"The way to do the Compassionate Grounds claims is through your myGov account under","start":786.325,"end":791.95,"sentiment":"neutral","sentiment_score":-0.059012027723448615}],"sentiment":"neutral","sentiment_score":-0.059012027723448615,"channel":0,"num_words":14,"start":786.325,"end":791.95},{"sentences":[{"text":"Mhmm.","start":791.69995,"end":792.19995,"sentiment":"neutral","sentiment_score":0.0014393310993909836}],"sentiment":"neutral","sentiment_score":0.0014393310993909836,"channel":1,"num_words":1,"start":791.69995,"end":792.19995},{"sentences":[{"text":"compassionate grounds release, and you would basically utilize the foreclosure of your home as as the grounds on what you're on on how you're claiming, because that would that would basically be where you're at is that, you know, the the caravan parker are gonna kick you out.","start":791.95,"end":816.07,"sentiment":"neutral","sentiment_score":-0.14903207255216935}],"sentiment":"neutral","sentiment_score":-0.14903207255216935,"channel":0,"num_words":48,"start":791.95,"end":816.07},{"sentences":[{"text":"Yes.","start":816.195,"end":816.695,"sentiment":"neutral","sentiment_score":-0.052287258207798}],"sentiment":"neutral","sentiment_score":-0.052287258207798,"channel":1,"num_words":1,"start":816.195,"end":816.695},{"sentences":[{"text":"But how much the ATO will release, I obviously can't attest to that.","start":816.29004,"end":824.47003,"sentiment":"neutral","sentiment_score":-0.1449994043661998},{"text":"It's very, very, very, very out of my hands, and I, before I called you, have looked at every avenue because I I even did some exhaustive research on, like, Salvation Army, Vinnies, Anglicare, even like, I looked at men the men's shed.","start":825.73004,"end":842.075,"sentiment":"neutral","sentiment_score":-0.133438547076874},{"text":"There's a couple of men's sheds around near in your location, which I really, really recommend that you do look at attending a men's shed event.","start":842.075,"end":850.23,"sentiment":"positive","sentiment_score":0.3918885491215266},{"text":"A,","start":850.85,"end":851.17,"sentiment":"neutral","sentiment_score":0.1663130223751068}],"sentiment":"neutral","sentiment_score":0.032922476126127934,"channel":0,"num_words":83,"start":816.29004,"end":851.17},{"sentences":[{"text":"I","start":851.04004,"end":851.28,"sentiment":"neutral","sentiment_score":0.24200740456581116}],"sentiment":"neutral","sentiment_score":0.24200740456581116,"channel":1,"num_words":1,"start":851.04004,"end":851.28},{"sentences":[{"text":"for","start":851.17,"end":851.33,"sentiment":"neutral","sentiment_score":0.29012051224708557}],"sentiment":"neutral","sentiment_score":0.29012051224708557,"channel":0,"num_words":1,"start":851.17,"end":851.33},{"sentences":[{"text":"really","start":851.28,"end":851.68005,"sentiment":"neutral","sentiment_score":0.3036230504512787}],"sentiment":"neutral","sentiment_score":0.3036230504512787,"channel":1,"num_words":1,"start":851.28,"end":851.68005},{"sentences":[{"text":"your mental","start":851.33,"end":851.99,"sentiment":"neutral","sentiment_score":0.30649755895137787}],"sentiment":"neutral","sentiment_score":0.30649755895137787,"channel":0,"num_words":2,"start":851.33,"end":851.99},{"sentences":[{"text":"if I could if I if I if I could get the money I need to to to get myself out of this financial hole, I could pretty much do anything and go everywhere and accomplish everything it needs to be accomplished.","start":852.08,"end":864.575,"sentiment":"neutral","sentiment_score":0.23264585399911517},{"text":"But at the moment, I'm sitting at home.","start":865.115,"end":867.21497,"sentiment":"neutral","sentiment_score":-0.17255460005253553},{"text":"I'm on on twenty on sixteen weeks of settling.","start":867.83496,"end":872.175,"sentiment":"neutral","sentiment_score":-0.17964325182967716},{"text":"The money has run out.","start":872.315,"end":873.615,"sentiment":"negative","sentiment_score":-0.7062129974365234},{"text":"The food is running out.","start":873.92004,"end":875.38,"sentiment":"negative","sentiment_score":-0.6981306552886963}],"sentiment":"neutral","sentiment_score":-0.00359157192102377,"channel":1,"num_words":69,"start":852.08,"end":875.38},{"sentences":[{"text":"The bills have just every bill that I could that I could think of that I have that makes me who I am, that every single one of them are piling up behind to the point where it's it's affected phone access, my home, my loan repayments, my savings.","start":875.44,"end":892.945,"sentiment":"negative","sentiment_score":-0.6472204583031791},{"text":"And now I'm gonna lose my car on top of everything else.","start":893.245,"end":896.60504,"sentiment":"negative","sentiment_score":-0.6666368097066879},{"text":"And and I'm looking at this eviction notice, and I'm just like, I'm at the point where it's like, at this at this point in time right now, it'd be just hell of a lot more convenient just to walk in the books and just just never walk out.","start":896.60504,"end":914.79,"sentiment":"negative","sentiment_score":-0.4846904630563697},{"text":"I I'm I'm I've just wanted to I've I've literally exhausted every every possible avenue that I could come up with to be able to to be able to just come up with the money that I need in the most desperate, like, the the whatever they call it, the the tenth hour or whatever, where","start":915.26495,"end":936.43,"sentiment":"negative","sentiment_score":-0.4804000934319837}],"sentiment":"negative","sentiment_score":-0.5443715788872845,"channel":1,"num_words":166,"start":875.44,"end":936.43},{"sentences":[{"text":"Yeah.","start":936.425,"end":936.925,"sentiment":"neutral","sentiment_score":-0.3295367360115051}],"sentiment":"neutral","sentiment_score":-0.3295367360115051,"channel":0,"num_words":1,"start":936.425,"end":936.925},{"sentences":[{"text":"I can't the ability to pay the rent, sort out the situation with my vehicle, get the lot the the money I owe the bank for the this loan repayments, get the phone situated, pull it out, everything, and just plug the slate clean.","start":936.43,"end":952.745,"sentiment":"negative","sentiment_score":-0.4992230470207604}],"sentiment":"negative","sentiment_score":-0.4992230470207604,"channel":1,"num_words":44,"start":936.43,"end":952.745},{"sentences":[{"text":"Have you called have you called the creditors or, like, the the bankers of the act and gone on the financial hardship?","start":952.395,"end":958.815,"sentiment":"neutral","sentiment_score":-0.19558315114541489},{"text":"Requested a financial hardship.","start":959.275,"end":960.97504,"sentiment":"neutral","sentiment_score":-0.2401418276131153}],"sentiment":"neutral","sentiment_score":-0.2024383321404457,"channel":0,"num_words":26,"start":952.395,"end":960.97504},{"sentences":[{"text":"I'm already on a financial hardship arrangement with my loan repayments, and they're on hold until further notice.","start":961.95,"end":968.37,"sentiment":"negative","sentiment_score":-0.4570724119742711},{"text":"I've been hold on hold for a few weeks.","start":968.83,"end":971.17,"sentiment":"negative","sentiment_score":-0.5037029087543488},{"text":"And I said, look, you know, I I I know I said, I know at the moment it's 41,000 or something.","start":971.995,"end":978.71497,"sentiment":"negative","sentiment_score":-0.33602504361243474},{"text":"And I said, look, you know, I know I'm I'm nearly three grand behind of my payments.","start":978.71497,"end":983.45496,"sentiment":"negative","sentiment_score":-0.5673462152481079},{"text":"And I I if if somehow you can restructure a loan to give me an extra fucking 5 or 6 or $7 just to be able to wipe the slate clean, and I just said, look, you know, under the circumstances considering I well, I've got a loan that I can't that's on the hold in the under financial 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e scooter that which I can go about 30 kilometers one direction with with having enough power to get back home again.","start":1359.53,"end":1371.63,"sentiment":"neutral","sentiment_score":0.13825101749255106},{"text":"But if winter comes and the rains are to Rachel and it doesn't start raining, I can't like, the the the speed is not gonna work in the rain.","start":1372.295,"end":1380.635,"sentiment":"negative","sentiment_score":-0.409459728619148},{"text":"And, you know, when the the bulk of the work is, it's usually anywhere between about 35 to 45 kilometers away in one direction.","start":1381.255,"end":1393.69,"sentiment":"neutral","sentiment_score":-0.24596267007291317},{"text":"So if I can't use my scooter in the torrential rain and I don't have the money to get to work, the only thing I've got is a four hour walk or two between two to four hour walk in the rain in one direction from the caravan park to get to work, be able to do the whole day shift, and then have to turn around and walk all the way back to the caravan park another two hour walk, two to two to three hour walk.","start":1394.39,"end":1419.2001,"sentiment":"neutral","sentiment_score":-0.1374499493871223}],"sentiment":"neutral","sentiment_score":-0.1488216805411744,"channel":1,"num_words":193,"start":1347.0352,"end":1419.2001},{"sentences":[{"text":"And then and then I need to, like, eat, sleep, go to bed, get up, and then do it all again while the rain, it just doesn't stop, and it's just constant, and it's just wet, and it's miserable.","start":1419.2001,"end":1429.385,"sentiment":"negative","sentiment_score":-0.41283472913962144},{"text":"And the only thing out of that, the only thing that would would would would would help me be able to get to work is my vehicle.","start":1429.525,"end":1439.365,"sentiment":"neutral","sentiment_score":-0.17342342629476828},{"text":"The only thing that would help me give me any sense of hope or possibility, any kind of way that I could I could actually make life a lot more simpler and easier for myself is if I had that vehicle, no worries.","start":1439.365,"end":1454.76,"sentiment":"positive","sentiment_score":0.611894522988519},{"text":"I can get in that vehicle.","start":1454.76,"end":1456.025,"sentiment":"positive","sentiment_score":0.5390569219986597},{"text":"I can go to work.","start":1456.0851,"end":1456.9651,"sentiment":"positive","sentiment_score":0.540423583984375}],"sentiment":"neutral","sentiment_score":0.09554114161680143,"channel":1,"num_words":120,"start":1419.2001,"end":1456.9651},{"sentences":[{"text":"I can arrive to work on time.","start":1456.9651,"end":1458.805,"sentiment":"positive","sentiment_score":0.4806464910507202},{"text":"I can arrive to work dry.","start":1458.805,"end":1460.8251,"sentiment":"positive","sentiment_score":0.4275492380062739},{"text":"And even when I drive to and from work two, three, four days in a row because of the constant wet weather, I know by the time for Friday, it comes along.","start":1461.525,"end":1470.21,"sentiment":"neutral","sentiment_score":0.0978200196987018},{"text":"I'm not gonna pass out on the ground from exhaustion from having to walk four hours every day in the in the pouring rain.","start":1470.21,"end":1479.11,"sentiment":"negative","sentiment_score":-0.39073583483695984},{"text":"And I'm literally trying to figure out a way.","start":1480.0499,"end":1483.415,"sentiment":"neutral","sentiment_score":-0.27900438672966427}],"sentiment":"neutral","sentiment_score":-0.03626459001157528,"channel":1,"num_words":78,"start":1456.9651,"end":1483.415},{"sentences":[{"text":"I've literally got one week left between everything and and all I need is a financial assistance of some kiss of God miracle of the last minute where I can just get the help that I desperately need to just just turn turn everything around, wipe the slate clean, and give me a chance to be able to find a way to fundamentally get back and become financial stable to the point where I'm not waking up in the morning, trying to come up with a reason not to hang myself today because I'm like, I've still got a chance.","start":1483.415,"end":1515.675,"sentiment":"neutral","sentiment_score":0.12598369143903254},{"text":"There's someone's gonna help me.","start":1515.675,"end":1516.955,"sentiment":"neutral","sentiment_score":-0.07827446460723878},{"text":"I've still got a chance.","start":1516.955,"end":1517.915,"sentiment":"neutral","sentiment_score":0.014738468080759048},{"text":"Someone's gonna help me.","start":1517.915,"end":1519.295,"sentiment":"neutral","sentiment_score":-0.21445894241333008},{"text":"And I've gone through every single possible fucking thing that exists on this heaven and earth to help me through this.","start":1519.835,"end":1526.955,"sentiment":"negative","sentiment_score":-0.6601092574142274}],"sentiment":"neutral","sentiment_score":-0.018069933437638814,"channel":1,"num_words":135,"start":1483.415,"end":1526.955},{"sentences":[{"text":"And this phone call is that this is this is my last hurrah.","start":1526.955,"end":1530.4299,"sentiment":"negative","sentiment_score":-0.3825604159098405},{"text":"This is all I got left.","start":1530.4299,"end":1532.13,"sentiment":"negative","sentiment_score":-0.36934541662534076},{"text":"This is all I have 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it","start":1551.725,"end":1563.92,"sentiment":"neutral","sentiment_score":-0.005730409688990691}],"sentiment":"neutral","sentiment_score":-0.011455725878477097,"channel":0,"num_words":31,"start":1541.74,"end":1563.92},{"sentences":[{"text":"Yes.","start":1564.27,"end":1564.77,"sentiment":"neutral","sentiment_score":0.04618365317583084}],"sentiment":"neutral","sentiment_score":0.04618365317583084,"channel":1,"num_words":1,"start":1564.27,"end":1564.77},{"sentences":[{"text":"to get money out of your super fund","start":1564.3,"end":1566.56,"sentiment":"neutral","sentiment_score":-0.0002812054008245468}],"sentiment":"neutral","sentiment_score":-0.0002812054008245468,"channel":0,"num_words":8,"start":1564.3,"end":1566.56},{"sentences":[{"text":"Yes.","start":1567.39,"end":1567.89,"sentiment":"neutral","sentiment_score":0.018071630969643593}],"sentiment":"neutral","sentiment_score":0.018071630969643593,"channel":1,"num_words":1,"start":1567.39,"end":1567.89},{"sentences":[{"text":"under the foreclosure component.","start":1568.555,"end":1572.895,"sentiment":"neutral","sentiment_score":-0.00023728655651211782},{"text":"In regards to the car, I I really, really understand what you're saying.","start":1575.8351,"end":1580.255,"sentiment":"neutral","sentiment_score":-0.11803887727168891},{"text":"I I I do, and I'm not trying to discredit the fact that the car is important.","start":1580.39,"end":1584.5701,"sentiment":"neutral","sentiment_score":-0.183638338218717},{"text":"But from for all intents and purposes, what we're currently saying is that you are $40 in the whole, and you owe $40 for a car in which you are $3 in arrears on that payment.","start":1585.43,"end":1597.675,"sentiment":"neutral","sentiment_score":-0.17363419259587923},{"text":"That car is currently not serving a purpose because we don't currently have a job.","start":1598.535,"end":1605.895,"sentiment":"negative","sentiment_score":-0.5378334065278371}],"sentiment":"neutral","sentiment_score":-0.22324280390406356,"channel":0,"num_words":85,"start":1568.555,"end":1605.895},{"sentences":[{"text":"What we do currently have is an e scooter, which is a motor transport.","start":1605.895,"end":1609.83,"sentiment":"neutral","sentiment_score":0.06065751825060163},{"text":"Yes.","start":1609.89,"end":1610.21,"sentiment":"neutral","sentiment_score":0.1172761619091034},{"text":"I understand completely that it's not ideal when it's raining, and I understand rain season's around the corner.","start":1610.21,"end":1615.67,"sentiment":"neutral","sentiment_score":-0.15293498088916144},{"text":"But you also have a motor home.","start":1617.01,"end":1618.53,"sentiment":"neutral","sentiment_score":0.0695948281458446},{"text":"I understand that it doesn't currently move, that that motor home needs to remain an asset to you and accessible to you because otherwise you are on the street.","start":1618.53,"end":1630.165,"sentiment":"neutral","sentiment_score":0.11890163349694219}],"sentiment":"neutral","sentiment_score":0.031144390287606613,"channel":0,"num_words":69,"start":1605.895,"end":1630.165},{"sentences":[{"text":"Currently, you are dry and you have a place to actually put your head that's warm and dry.","start":1630.165,"end":1635.9451,"sentiment":"neutral","sentiment_score":0.1382013964984152},{"text":"So","start":1636.4299,"end":1636.51,"sentiment":"neutral","sentiment_score":0.15782392024993896}],"sentiment":"neutral","sentiment_score":0.13923416090639015,"channel":0,"num_words":19,"start":1630.165,"end":1636.51},{"sentences":[{"text":"Yes.","start":1636.495,"end":1636.995,"sentiment":"positive","sentiment_score":0.4356322288513184}],"sentiment":"positive","sentiment_score":0.4356322288513184,"channel":1,"num_words":1,"start":1636.495,"end":1636.995},{"sentences":[{"text":"I wanna keep I wanna keep that that asset is more important than the car.","start":1636.51,"end":1642.2899,"sentiment":"positive","sentiment_score":0.45915220578511556},{"text":"The car, yes, I get it.","start":1642.4299,"end":1643.63,"sentiment":"positive","sentiment_score":0.3949018617471059},{"text":"It it's important, and it gets you to where you need to be.","start":1643.63,"end":1646.45,"sentiment":"positive","sentiment_score":0.47543436059584987},{"text":"But, realistically speaking, the motor home, if we can get it to have an overhaul mechanically, then it can be it can serve as both a home and a vehicle to get you from a to b.","start":1646.83,"end":1660.685,"sentiment":"neutral","sentiment_score":0.2978874789299192}],"sentiment":"positive","sentiment_score":0.3726644741607384,"channel":0,"num_words":71,"start":1636.51,"end":1660.685},{"sentences":[{"text":"Yes.","start":1661.275,"end":1661.775,"sentiment":"neutral","sentiment_score":0.10474036633968352}],"sentiment":"neutral","sentiment_score":0.10474036633968352,"channel":1,"num_words":1,"start":1661.275,"end":1661.775},{"sentences":[{"text":"So I think we need to surrender the car as much as that hurts and as much as we we might wanna keep it.","start":1663.0801,"end":1671.1,"sentiment":"neutral","sentiment_score":-0.2650207420811057},{"text":"The car needs to be surrendered back to the lender to clear the debt because you you you currently can't service it.","start":1671.48,"end":1681.545,"sentiment":"neutral","sentiment_score":-0.2586138316176154},{"text":"And then once we're back on our feet, we can go and find another car.","start":1682.405,"end":1686.165,"sentiment":"neutral","sentiment_score":-0.017071313007424274},{"text":"But instead of buying a 40 car, maybe we go and grab a 4 or $5 car, something that we we can serve it serves serves what we need to do.","start":1686.165,"end":1694.79,"sentiment":"neutral","sentiment_score":0.18361260357402986},{"text":"Obviously, I","start":1695.81,"end":1696.37,"sentiment":"neutral","sentiment_score":0.11161012947559357}],"sentiment":"neutral","sentiment_score":-0.06798788117978008,"channel":0,"num_words":94,"start":1663.0801,"end":1696.37},{"sentences":[{"text":"Yes.","start":1696.225,"end":1696.5,"sentiment":"neutral","sentiment_score":0.2580474019050598}],"sentiment":"neutral","sentiment_score":0.2580474019050598,"channel":1,"num_words":1,"start":1696.225,"end":1696.5},{"sentences":[{"text":"understand once we have a job, we're gonna be in a much better position because we'll have good income coming in and all happens.","start":1696.37,"end":1701.43,"sentiment":"neutral","sentiment_score":0.2930549962135653},{"text":"But right now, unless you can get a job today and that job is able to pay you by the end of the week or is able to pay you ahead of time, The circumstance is is that we don't currently have any money outside of Centrelink.","start":1701.73,"end":1720.7899,"sentiment":"negative","sentiment_score":-0.42195187287127717}],"sentiment":"neutral","sentiment_score":-0.18025941008203467,"channel":0,"num_words":71,"start":1696.37,"end":1720.7899},{"sentences":[{"text":"Okay.","start":1724.97,"end":1725.47,"sentiment":"neutral","sentiment_score":-0.21591830253601071}],"sentiment":"neutral","sentiment_score":-0.21591830253601071,"channel":1,"num_words":1,"start":1724.97,"end":1725.47},{"sentences":[{"text":"So I think it's a serious you you're gonna need to seriously think over the weekend about with respect to the car, do we do we actually go to rent it to, you know, make make the call to to the lender, to the person that you know, the people that have the loan for that vehicle and inform them that you're gonna surrender the car, have a conversation with them about what that looks like.","start":1728.13,"end":1755.41,"sentiment":"neutral","sentiment_score":-0.17324248078818383}],"sentiment":"neutral","sentiment_score":-0.17324248078818383,"channel":0,"num_words":76,"start":1728.13,"end":1755.41},{"sentences":[{"text":"Yes.","start":1759.58,"end":1760.08,"sentiment":"neutral","sentiment_score":0.18151603639125824}],"sentiment":"neutral","sentiment_score":0.18151603639125824,"channel":1,"num_words":1,"start":1759.58,"end":1760.08},{"sentences":[{"text":"Mhmm.","start":1760.335,"end":1760.835,"sentiment":"neutral","sentiment_score":0.2589119076728821},{"text":"It reduces down on the amount of debts that you have on where you currently sit.","start":1761.215,"end":1767.715,"sentiment":"positive","sentiment_score":0.4506002562120557},{"text":"It means that you're no longer 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look at releasing money from super under financial hardship as well, and that'll be $10 less taxes.","start":1868.715,"end":1879.275,"sentiment":"neutral","sentiment_score":0.3303484613144839},{"text":"So it'll be about 7 and a half in hand, And that'll give you more money to get you back on your feet a little bit more, and it'll allow you to breathe.","start":1879.275,"end":1887.45,"sentiment":"positive","sentiment_score":0.48310182040387933}],"sentiment":"positive","sentiment_score":0.4143628088136514,"channel":0,"num_words":60,"start":1868.715,"end":1887.45},{"sentences":[{"text":"Okay.","start":1888.095,"end":1888.595,"sentiment":"neutral","sentiment_score":0.09221550822257996}],"sentiment":"neutral","sentiment_score":0.09221550822257996,"channel":1,"num_words":1,"start":1888.095,"end":1888.595},{"sentences":[{"text":"It's not gonna bring you your car back, but, realistically, at this point, we need to forget about the luxuries and we need to be conserving.","start":1888.47,"end":1898.5651,"sentiment":"neutral","sentiment_score":-0.08802130761054847},{"text":"Have you ever heard of Maslow's hierarchy of needs?","start":1899.5851,"end":1902.005,"sentiment":"neutral","sentiment_score":-0.026707897376683023}],"sentiment":"neutral","sentiment_score":-0.0722550021218402,"channel":0,"num_words":35,"start":1888.47,"end":1902.005},{"sentences":[{"text":"Yes.","start":1903.2201,"end":1903.7201,"sentiment":"neutral","sentiment_score":0.04174205660820007},{"text":"Yes.","start":1903.8601,"end":1904.3601,"sentiment":"neutral","sentiment_score":0.10503076016902924}],"sentiment":"neutral","sentiment_score":0.07338640838861465,"channel":1,"num_words":2,"start":1903.2201,"end":1904.3601},{"sentences":[{"text":"Cool.","start":1904.865,"end":1905.365,"sentiment":"neutral","sentiment_score":0.22572126984596252},{"text":"Right now, we're at the base need and we're trying to make sure that you have your safety.","start":1905.505,"end":1909.8451,"sentiment":"neutral","sentiment_score":0.18672588881519106},{"text":"And how we do that is food, air, water, shelter.","start":1911.25,"end":1915.11,"sentiment":"neutral","sentiment_score":0.1508942000567913},{"text":"So we","start":1916.05,"end":1916.45,"sentiment":"neutral","sentiment_score":0.13162650913000107}],"sentiment":"neutral","sentiment_score":0.17287039636604248,"channel":0,"num_words":31,"start":1904.865,"end":1916.45},{"sentences":[{"text":"Yep.","start":1916.4249,"end":1916.9249,"sentiment":"neutral","sentiment_score":0.16323958337306976}],"sentiment":"neutral","sentiment_score":0.16323958337306976,"channel":1,"num_words":1,"start":1916.4249,"end":1916.9249},{"sentences":[{"text":"need to conserve the food.","start":1916.45,"end":1918.93,"sentiment":"neutral","sentiment_score":0.17195217907428742},{"text":"We need to conserve the shelter.","start":1918.93,"end":1920.87,"sentiment":"neutral","sentiment_score":0.2040743281443914},{"text":"That is our base needs, and we need to make sure that that's what we're conserving and that's what we're keeping safe for you.","start":1921.17,"end":1927.2949,"sentiment":"neutral","sentiment_score":0.2779594864696264},{"text":"Alright?","start":1927.6749,"end":1928.1749,"sentiment":"neutral","sentiment_score":0.05672755837440491}],"sentiment":"neutral","sentiment_score":0.24477672494120067,"channel":0,"num_words":36,"start":1916.45,"end":1928.1749},{"sentences":[{"text":"Alright.","start":1928.76,"end":1929.26,"sentiment":"neutral","sentiment_score":0.04689035937190056}],"sentiment":"neutral","sentiment_score":0.04689035937190056,"channel":1,"num_words":1,"start":1928.76,"end":1929.26},{"sentences":[{"text":"If I had $10 to give you personally, I would, but I I I don't.","start":1929.755,"end":1934.975,"sentiment":"neutral","sentiment_score":-0.05446132272481918},{"text":"I don't have anything that I could give you personally.","start":1935.195,"end":1938.815,"sentiment":"neutral","sentiment_score":-0.095395178347826},{"text":"But what I will do is I will send you an email now, and I will just double check.","start":1941.79,"end":1948.03,"sentiment":"neutral","sentiment_score":0.059760859334155134},{"text":"Your email address is misterniceguy@misterniceguy1211612atgmail.com?","start":1948.03,"end":1958.3049,"sentiment":"neutral","sentiment_score":0.019190585240721703}],"sentiment":"neutral","sentiment_score":-0.011009436138734525,"channel":0,"num_words":49,"start":1929.755,"end":1958.3049},{"sentences":[{"text":"Yes.","start":1958.73,"end":1959.015,"sentiment":"neutral","sentiment_score":0.05306590348482132}],"sentiment":"neutral","sentiment_score":0.05306590348482132,"channel":1,"num_words":1,"start":1958.73,"end":1959.015},{"sentences":[{"text":"Yeah.","start":1959.725,"end":1960.0449,"sentiment":"neutral","sentiment_score":0.07359722256660461},{"text":"Alright.","start":1960.0449,"end":1960.365,"sentiment":"neutral","sentiment_score":0.11845368146896362},{"text":"I will send you an email now with the compassionate grant Compassionate Grounds steps.","start":1960.365,"end":1966.945,"sentiment":"neutral","sentiment_score":0.1825161874294281},{"text":"As I said, you're gonna go under a 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way.","start":1975.2999,"end":1983.335,"sentiment":"neutral","sentiment_score":0.04179605065534512},{"text":"Outside","start":1984.355,"end":1984.755,"sentiment":"neutral","sentiment_score":0.038953132927417755}],"sentiment":"neutral","sentiment_score":0.02844140086980427,"channel":0,"num_words":17,"start":1973.5399,"end":1984.755},{"sentences":[{"text":"Alright.","start":1984.37,"end":1984.87,"sentiment":"neutral","sentiment_score":0.046044811606407166}],"sentiment":"neutral","sentiment_score":0.046044811606407166,"channel":1,"num_words":1,"start":1984.37,"end":1984.87},{"sentences":[{"text":"of that, how and you said that you contacted all the services around your area.","start":1984.755,"end":1990.9149,"sentiment":"neutral","sentiment_score":0.030597965915997824},{"text":"Did they come back to you with anything?","start":1990.9149,"end":1993.075,"sentiment":"neutral","sentiment_score":0.05308096017688513},{"text":"Have they given you food 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vouchers.","start":2000.6399,"end":2004.5,"sentiment":"neutral","sentiment_score":0.10350993377241222},{"text":"I need but, mind you, that's, like, an hour one hour ride one way into to to from where I am to where I need to be to pick them up.","start":2006.1599,"end":2019.885,"sentiment":"neutral","sentiment_score":-0.022813166161217997},{"text":"While the weather is like this, it's okay.","start":2021.2251,"end":2023.0651,"sentiment":"neutral","sentiment_score":0.08331923931837082},{"text":"I don't mind doing that.","start":2023.0651,"end":2024.525,"sentiment":"neutral","sentiment_score":0.15575737357139588},{"text":"But I said to him, I need something a little bit more substantial than a couple of food vouchers because there's there's a couple of people in the caravan park where every two or three days, they keep coming up to me and giving me just just enough food to get me by.","start":2024.905,"end":2045.2201,"sentiment":"neutral","sentiment_score":-0.23518126542275808}],"sentiment":"neutral","sentiment_score":-0.09803578856021718,"channel":1,"num_words":108,"start":2000.6399,"end":2045.2201},{"sentences":[{"text":"So I I I am running out of food.","start":2046.235,"end":2050.335,"sentiment":"negative","sentiment_score":-0.5420110556814406},{"text":"I do have I can get vouchers if I contact them and try to organize something, some sort of assistance.","start":2050.955,"end":2060.92,"sentiment":"neutral","sentiment_score":0.1709552127867937},{"text":"But other than that, I I don't need I I I like I said, I've got I am running out of food, but I've got just enough to get me through to my next Centrelink rotation.","start":2061.3,"end":2076.145,"sentiment":"neutral","sentiment_score":-0.20825730315927002}],"sentiment":"neutral","sentiment_score":-0.13778858706355096,"channel":1,"num_words":65,"start":2046.235,"end":2076.145},{"sentences":[{"text":"Okay.","start":2077.33,"end":2077.83,"sentiment":"neutral","sentiment_score":-0.016458146274089813}],"sentiment":"neutral","sentiment_score":-0.016458146274089813,"channel":0,"num_words":1,"start":2077.33,"end":2077.83},{"sentences":[{"text":"But I don't need food.","start":2079.0051,"end":2081.405,"sentiment":"neutral","sentiment_score":-0.19373260885477067},{"text":"I need I need the money in my account so I can use it to pay off the the $3 I owe for my loan that's overdue.","start":2081.405,"end":2091.9502,"sentiment":"neutral","sentiment_score":-0.25661533105152623},{"text":"The the 1,500 owing on my on my rent here at the caravan park, it's overdue.","start":2092.49,"end":2100.27,"sentiment":"negative","sentiment_score":-0.4116924125701189},{"text":"And the $600 on the the claim bill that's gonna be cut off next week if I I've gotta try and pay some of that out of my settling.","start":2100.49,"end":2109.115,"sentiment":"negative","sentiment_score":-0.5636080595953711},{"text":"That's constantly going backwards because I just I can't I could barely sleep, so I can watch the TV most of the night.","start":2109.255,"end":2116.795,"sentiment":"negative","sentiment_score":-0.5964588224887848}],"sentiment":"negative","sentiment_score":-0.4454754222929478,"channel":1,"num_words":100,"start":2079.0051,"end":2116.795},{"sentences":[{"text":"That's doing up the data, pushing the finger up.","start":2117.07,"end":2119.47,"sentiment":"negative","sentiment_score":-0.5226461854245927},{"text":"So all I'm doing is just I'm just going backwards one day at a time.","start":2119.47,"end":2123.87,"sentiment":"negative","sentiment_score":-0.43903872966766355},{"text":"It's going further and further and further and deeper and deeper and deeper and down, further down that rabbit hole to the point where it's like I'm getting up to the point where there's nothing worth coming back back from up.","start":2123.87,"end":2134.545,"sentiment":"negative","sentiment_score":-0.48498543733503763},{"text":"I don't I wanna reach out and get some sort of actual assistance.","start":2134.545,"end":2140.7249,"sentiment":"negative","sentiment_score":-0.5971203377613654},{"text":"I mean, I got $90.96 plus grand in the fucking seat bar, and I can't access anything to get myself out.","start":2140.9448,"end":2150.9202,"sentiment":"negative","sentiment_score":-0.643211814619246}],"sentiment":"negative","sentiment_score":-0.5297354751765125,"channel":1,"num_words":99,"start":2117.07,"end":2150.9202},{"sentences":[{"text":"It's big enough to be able to watch the slate clean that I need to be able to get back on my feet and give myself some breathing room.","start":2150.9202,"end":2158.2202,"sentiment":"negative","sentiment_score":-0.40753975921663743}],"sentiment":"negative","sentiment_score":-0.40753975921663743,"channel":1,"num_words":29,"start":2150.9202,"end":2158.2202},{"sentences":[{"text":"Yeah.","start":2160.085,"end":2160.585,"sentiment":"neutral","sentiment_score":-0.08843372762203217},{"text":"I know.","start":2160.645,"end":2161.385,"sentiment":"neutral","sentiment_score":-0.11749532073736191},{"text":"I know.","start":2162.885,"end":2163.465,"sentiment":"neutral","sentiment_score":-0.07436414808034897},{"text":"And there is light at the end of the tunnel that you do have that money, and that comes to you one 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ATO.","start":2186.485,"end":2189.5452,"sentiment":"neutral","sentiment_score":0.1453037133271044}],"sentiment":"neutral","sentiment_score":0.1123613528907299,"channel":0,"num_words":42,"start":2172.82,"end":2189.5452},{"sentences":[{"text":"Yes.","start":2190.055,"end":2190.555,"sentiment":"neutral","sentiment_score":0.1722414195537567}],"sentiment":"neutral","sentiment_score":0.1722414195537567,"channel":1,"num_words":1,"start":2190.055,"end":2190.555},{"sentences":[{"text":"And then on Monday, I'm giving you a call, and we're gonna touch base together again.","start":2192.42,"end":2196.2,"sentiment":"neutral","sentiment_score":0.19892302714288235}],"sentiment":"neutral","sentiment_score":0.19892302714288235,"channel":0,"num_words":16,"start":2192.42,"end":2196.2},{"sentences":[{"text":"Yep.","start":2196.6948,"end":2197.1948,"sentiment":"neutral","sentiment_score":0.2385818213224411}],"sentiment":"neutral","sentiment_score":0.2385818213224411,"channel":1,"num_words":1,"start":2196.6948,"end":2197.1948},{"sentences":[{"text":"I'm going to sit down and spend my weekend doing some research and seeing if there's any other avenues that we have that you haven't looked into that I can think of.","start":2198.5798,"end":2208.235,"sentiment":"neutral","sentiment_score":0.19238851661793888},{"text":"I'm gonna reach out to a few of my contacts to see where we can 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hard decisions and get rid of things that we may might not wanna get rid of.","start":2312.305,"end":2319.765,"sentiment":"neutral","sentiment_score":-0.3304938999089328}],"sentiment":"neutral","sentiment_score":-0.21351902559399605,"channel":0,"num_words":36,"start":2304.76,"end":2319.765},{"sentences":[{"text":"The car's a massive one, unfortunately.","start":2320.24,"end":2322.1802,"sentiment":"negative","sentiment_score":-0.5928392310937246}],"sentiment":"negative","sentiment_score":-0.5928392310937246,"channel":0,"num_words":6,"start":2320.24,"end":2322.1802},{"sentences":[{"text":"Yeah.","start":2324.035,"end":2324.535,"sentiment":"neutral","sentiment_score":-0.0910525694489479}],"sentiment":"neutral","sentiment_score":-0.0910525694489479,"channel":1,"num_words":1,"start":2324.035,"end":2324.535},{"sentences":[{"text":"Okay.","start":2325.6,"end":2326.1,"sentiment":"neutral","sentiment_score":0.023179616779088977},{"text":"So I want you to really think about it over the 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morning.","start":2341.085,"end":2342.945,"sentiment":"neutral","sentiment_score":0.10404204297810793}],"sentiment":"neutral","sentiment_score":0.09979290515184402,"channel":0,"num_words":9,"start":2340.205,"end":2342.945},{"sentences":[{"text":"Alright.","start":2343.25,"end":2343.5698,"sentiment":"neutral","sentiment_score":0.1826806515455246},{"text":"Thank you","start":2343.5698,"end":2343.97,"sentiment":"positive","sentiment_score":0.5049149245023727}],"sentiment":"positive","sentiment_score":0.39750350018342334,"channel":1,"num_words":3,"start":2343.25,"end":2343.97},{"sentences":[{"text":"Deal?","start":2343.885,"end":2344.385,"sentiment":"positive","sentiment_score":0.4651305973529816}],"sentiment":"positive","sentiment_score":0.4651305973529816,"channel":0,"num_words":1,"start":2343.885,"end":2344.385},{"sentences":[{"text":"very much.","start":2343.97,"end":2344.7898,"sentiment":"positive","sentiment_score":0.5563436448574066}],"sentiment":"positive","sentiment_score":0.5563436448574066,"channel":1,"num_words":2,"start":2343.97,"end":2344.7898},{"sentences":[{"text":"You're welcome, Matthew.","start":2346.86,"end":2348.0,"sentiment":"positive","sentiment_score":0.5567090710004171}],"sentiment":"positive","sentiment_score":0.5567090710004171,"channel":0,"num_words":3,"start":2346.86,"end":2348.0},{"sentences":[{"text":"You","start":2348.2349,"end":2348.4749,"sentiment":"positive","sentiment_score":0.5388883948326111}],"sentiment":"positive","sentiment_score":0.5388883948326111,"channel":1,"num_words":1,"start":2348.2349,"end":2348.4749},{"sentences":[{"text":"Speak","start":2348.3801,"end":2348.7002,"sentiment":"positive","sentiment_score":0.4186314940452576}],"sentiment":"positive","sentiment_score":0.4186314940452576,"channel":0,"num_words":1,"start":2348.3801,"end":2348.7002},{"sentences":[{"text":"have a","start":2348.4749,"end":2348.715,"sentiment":"positive","sentiment_score":0.6300511062145233}],"sentiment":"positive","sentiment_score":0.6300511062145233,"channel":1,"num_words":2,"start":2348.4749,"end":2348.715},{"sentences":[{"text":"to","start":2348.7002,"end":2348.78,"sentiment":"positive","sentiment_score":0.5923808217048645}],"sentiment":"positive","sentiment_score":0.5923808217048645,"channel":0,"num_words":1,"start":2348.7002,"end":2348.78},{"sentences":[{"text":"great","start":2348.715,"end":2349.115,"sentiment":"positive","sentiment_score":0.6663570404052734}],"sentiment":"positive","sentiment_score":0.6663570404052734,"channel":1,"num_words":1,"start":2348.715,"end":2349.115},{"sentences":[{"text":"you then.","start":2348.78,"end":2349.4402,"sentiment":"positive","sentiment_score":0.6478521823883057}],"sentiment":"positive","sentiment_score":0.6478521823883057,"channel":0,"num_words":2,"start":2348.78,"end":2349.4402},{"sentences":[{"text":"I hope you're feeling a bit better, aren't they?","start":2349.515,"end":2351.775,"sentiment":"positive","sentiment_score":0.4555298686027527}],"sentiment":"positive","sentiment_score":0.4555298686027527,"channel":1,"num_words":9,"start":2349.515,"end":2351.775},{"sentences":[{"text":"Thank you.","start":2352.78,"end":2353.6,"sentiment":"positive","sentiment_score":0.6220795512199402},{"text":"You have a good weekend too, and we'll speak soon.","start":2354.3828,"end":2356.723,"sentiment":"positive","sentiment_score":0.6574406683444977}],"sentiment":"positive","sentiment_score":0.6515471488237381,"channel":0,"num_words":12,"start":2352.78,"end":2356.723},{"sentences":[{"text":"I appreciate the phone call.","start":2357.035,"end":2358.7349,"sentiment":"positive","sentiment_score":0.7182645320892334},{"text":"Here we go.","start":2358.795,"end":2359.4429,"sentiment":"positive","sentiment_score":0.40446049968401593}],"sentiment":"positive","sentiment_score":0.6005880199372768,"channel":1,"num_words":8,"start":2357.035,"end":2359.4429},{"sentences":[{"text":"That's fine.","start":2359.503,"end":2360.4028,"sentiment":"positive","sentiment_score":0.4392803758382797},{"text":"Bye, Matthew.","start":2360.783,"end":2361.6829,"sentiment":"neutral","sentiment_score":0.28545211255550385}],"sentiment":"positive","sentiment_score":0.3623662441968918,"channel":0,"num_words":4,"start":2359.503,"end":2361.6829},{"sentences":[{"text":"Bye.","start":2361.3628,"end":2361.8628,"sentiment":"neutral","sentiment_score":0.19666165113449097},{"text":"Bye.","start":2362.3228,"end":2362.8228,"sentiment":"neutral","sentiment_score":-0.08363217860460281}],"sentiment":"neutral","sentiment_score":0.05651473626494408,"channel":1,"num_words":2,"start":2361.3628,"end":2362.8228}]},"summary":{"result":"success","short":"The speaker discusses their financial situation, including their desire to invest in shares and their desire to wipe their slate clean. They express their desire to start fresh and give them a sense of purpose. They also discuss their financial hardship and their desire to avoid a financial hardship arrangement. The customer is frustrated with the lack of clarity around their situation and their desire to make life simpler and become financial stable. They are considering surrendering their car and reordering a new one, but need to pay monthly registration and keep their car clean. The agent emphasizes the importance of being safe and small small decisions to avoid future problems."},"intents":{"segments":[{"text":"And then the weeks after that, I can focus on paying down my rent and the rears of my loan and my fine bill and everything else because I have well, I've been focusing so hard on on trying to keep my head above water that I don't know.","start_word":346,"end_word":394,"intents":[{"intent":"Maintain head above water","confidence_score":0.6365358},{"intent":"Pay rent","confidence_score":0.053592388}]},{"text":"And my last resort was to get the super out, but then I realized I don't have twenty six weeks to wait. I mean, I've got another another seven weeks to wait till I got so I hit that twenty six week margin that I need to get access to my super.","start_word":490,"end_word":541,"intents":[{"intent":"Get super out","confidence_score":0.3239998}]},{"text":"And I've got until Thursday or Friday next week to to to to come up with enough money just to to to pull me out of this financial hole because I've buried myself too deep.","start_word":542,"end_word":576,"intents":[{"intent":"Have enough money","confidence_score":0.00023023154}]},{"text":"When I on Wednesday, I went around town in Bunbury, and I gathered all the documents that I could prepare them for the financial hardship on my hub twenty four account. And Yeah.","start_word":586,"end_word":618,"intents":[{"intent":"Prepare documents","confidence_score":0.6904155}]},{"text":"And then the lady, when I was speaking to the superannuation, she said if so she reminded me that I may possibly have a small share portfolio with OQ Financial under the same account number as I have with my super regulation.","start_word":673,"end_word":714,"intents":[{"intent":"Have a small portfolio","confidence_score":0.04006475}]},{"text":"And if I've got that share portfolio, I just wanna know how much it is, how much I could take it out, how much I need to take out so that at least I can get $10 after tax or between 8 to $10 after tax out of portfolio.","start_word":1209,"end_word":1257,"intents":[{"intent":"Explaining reasons for taking out money","confidence_score":0.0000036242714},{"intent":"Discussing investment goals","confidence_score":0.00014549062}]},{"text":"So I just wanna if I could get enough money out of my portfolio, if if it's possible for me to be able to wipe the slate clean, get what I need to start fresh, and give me the enthusiasm, the drive, and the and the just the desire to try to to to turn my life around and and live a good life, then then that would be awesome.","start_word":1358,"end_word":1427,"intents":[{"intent":"Expressing desire to change","confidence_score":0.00041658344}]},{"text":"And I need at at the moment, I need to take out as much as I can, as quick as I can, and have it turned over into my account as quick as I possibly can to make make up for my financial shortfall and the hole that I've fallen into that I just can't without employment.","start_word":1461,"end_word":1517,"intents":[{"intent":"Make financial shortfall and secure future","confidence_score":0.0015950734},{"intent":"Make a transaction","confidence_score":0.0014052609}]},{"text":"However, based on the fact that you are set to be kicked out of the caravan park and that's with our place of living, we might be able to go to the ATO under Compassionate Grounds and request for a release from your super fund under Compassionate Grounds claims given that the financial hardship, which is direct with the Superfund, won't release money. Yes.","start_word":1688,"end_word":1751,"intents":[{"intent":"Request release from super fund","confidence_score":0.054091115}]},{"text":"The way to do the Compassionate Grounds claims is through your myGov account under Mhmm. compassionate grounds release, and you would basically utilize the foreclosure of your home as as the grounds on what you're on on how you're claiming, because that would that would basically be where you're at is that, you know, the the caravan parker are gonna kick you out. Yes.","start_word":1752,"end_word":1815,"intents":[{"intent":"Utilize foreclosure as grounds","confidence_score":0.008418878}]},{"text":"There's a couple of men's sheds around near in your location, which I really, really recommend that you do look at attending a men's shed event.","start_word":1872,"end_word":1897,"intents":[{"intent":"Recommend attending men's shed","confidence_score":0.13580622},{"intent":"Recommend attending men's shed event","confidence_score":0.11090306}]},{"text":"A, I for really your mental if I could if I if I if I could get the money I need to to to get myself out of this financial hole, I could pretty much do anything and go everywhere and accomplish everything it needs to be accomplished.","start_word":1898,"end_word":1945,"intents":[{"intent":"Share financial hardships","confidence_score":0.0006593812},{"intent":"Express frustration with lack of financial resources","confidence_score":0.0010595648}]},{"text":"And and I'm looking at this eviction notice, and I'm just like, I'm at the point where it's like, at this at this point in time right now, it'd be just hell of a lot more convenient just to walk in the books and just just never walk out.","start_word":2034,"end_word":2082,"intents":[{"intent":"Discuss eviction notice","confidence_score":0.13232747}]},{"text":"Requested a financial hardship.","start_word":2206,"end_word":2209,"intents":[{"intent":"Request a financial hardship","confidence_score":0.07110515},{"intent":"Request financial hardship","confidence_score":0.01252278}]},{"text":"And I I if if somehow you can restructure a loan to give me an extra fucking 5 or 6 or $7 just to be able to wipe the slate clean, and I just said, look, you know, under the circumstances considering I well, I've got a loan that I can't that's on the hold in the under financial circumstance.","start_word":2275,"end_word":2334,"intents":[{"intent":"Express frustration with loan arrangement","confidence_score":0.000008525829}]},{"text":"And the fact that I already owe them nearly $3 of payments, you know, Yes.","start_word":2335,"end_word":2349,"intents":[{"intent":"Request unpaid debt","confidence_score":1.0860905e-7}]},{"text":"consider it. And I was just like, man, that's when I rang my super, and they say, well, we can't be forward unless it's been twenty six weeks. You got another seven week wait. And I I don't have seven weeks. I've got one literally one week.","start_word":2357,"end_word":2403,"intents":[{"intent":"Express uncertainty about payment","confidence_score":0.000107581036}]},{"text":"And Is I've there any been way you can talk talk to the caravan park about extending it till the seven I weeks? I tried.","start_word":2404,"end_word":2428,"intents":[{"intent":"Inquire about loan extension extension","confidence_score":0.0009696627}]},{"text":"And I'm just I I need to figure out how I can get some sort of financial assistance to be able to cover all the costs so I could get everything fixed, wipe this plate clean, and try to give myself some sort of hype and and meaning.","start_word":2538,"end_word":2585,"intents":[{"intent":"Request financial assistance","confidence_score":0.10028514}]},{"text":"So I've gotta be able to access the forms, be able to fill them out, add all the information, send them off today, or Monday.","start_word":2740,"end_word":2764,"intents":[{"intent":"Access forms","confidence_score":0.49315324}]},{"text":"But I need to get them all loaned in because I literally only have one week.","start_word":2765,"end_word":2780,"intents":[{"intent":"Inquire about loan","confidence_score":0.0034807543}]},{"text":"I've I've already spoken to a lawyer to try and help me get the vehicle sorted to try and have an argument with the the because the reg eyes are almost due, and I'm trying to I'm trying to figure out a way to get some sort of extension plan put in place so I can come up with the money to keep my vehicle registration.","start_word":2781,"end_word":2846,"intents":[{"intent":"Discuss car registration","confidence_score":0.0022585324}]},{"text":"You know, like, I'm still in league while I've still got time to register it, but that's like I'm I'm between my vehicle, my rent, my loan, my phone.","start_word":2848,"end_word":2876,"intents":[{"intent":"Register vehicle","confidence_score":0.79318},{"intent":"Express readiness for registration","confidence_score":0.00014707615}]},{"text":"I've got I've got no options. I've got absolutely Do you have no options.","start_word":2907,"end_word":2920,"intents":[{"intent":"Determine availability of options","confidence_score":0.0020488843}]},{"text":"you know, do you have any family that No.","start_word":2921,"end_word":2929,"intents":[{"intent":"Inquire about family and friends","confidence_score":0.00096140266}]},{"text":"And my phone bill is already a few 100 overdue. It's only because I have the Internet on or not because I just can't I can't have been able to sleep in days.","start_word":2955,"end_word":2987,"intents":[{"intent":"Express concern about overdue payment","confidence_score":0.007057225}]},{"text":"And I'm gonna hope that's enough to keep my my tablet connected so I could try and still book for work and find everything.","start_word":3032,"end_word":3055,"intents":[{"intent":"Assure tablets","confidence_score":0.00019544837}]},{"text":"So My vehicle rego run on the June 30 and on and maybe between so my no.","start_word":3156,"end_word":3172,"intents":[{"intent":"Confirm registration date","confidence_score":0.0073941955}]},{"text":"The way forward in in in regards to accessing money, the ATO is and the compassionate release claim is gonna be the way we need to go about it Yes. to get money out of your super fund Yes. under the foreclosure component.","start_word":3817,"end_word":3859,"intents":[{"intent":"Assist with financial assistance","confidence_score":0.0025024256}]},{"text":"So I think it's a serious you you're gonna need to seriously think over the weekend about with respect to the car, do we do we actually go to rent it to, you know, make make the call to to the lender, to the person that you know, the people that have the loan for that vehicle and inform them that you're gonna surrender the car, have a conversation with them about what that looks like. Yes.","start_word":4269,"end_word":4345,"intents":[{"intent":"Discuss car rental options","confidence_score":0.02085966}]},{"text":"The ATO are actually pretty quick at reviewing the applications, to be honest.","start_word":4585,"end_word":4597,"intents":[{"intent":"Review applications","confidence_score":0.42347538}]},{"text":"can obviously still go ahead in seven weeks' time and look at releasing money from super under financial hardship as well, and that'll be $10 less taxes.","start_word":4643,"end_word":4669,"intents":[{"intent":"Discuss release of funds","confidence_score":0.0010626193}]},{"text":"need to conserve the food. We need to conserve the shelter. That is our base needs, and we need to make sure that that's what we're conserving and that's what we're keeping safe for you. Alright?","start_word":4773,"end_word":4808,"intents":[{"intent":"Conserve food","confidence_score":0.055898447}]},{"text":"If I had $10 to give you personally, I would, but I I I don't. I don't have anything that I could give you personally. But what I will do is I will send you an email now, and I will just double check. Your email address is misterniceguy@misterniceguy1211612atgmail.com? Yes. Yeah.","start_word":4810,"end_word":4860,"intents":[{"intent":"Share email","confidence_score":0.009311136},{"intent":"Send email","confidence_score":0.2592834}]},{"text":"I will send you an email now with the compassionate grant Compassionate Grounds steps.","start_word":4862,"end_word":4875,"intents":[{"intent":"Recall call","confidence_score":0.0018474071}]},{"text":"Have they given you food vouchers? Have they assisted in any They way?","start_word":4927,"end_word":4939,"intents":[{"intent":"Get food vouchers","confidence_score":0.44602597}]},{"text":"I need I need the money in my account so I can use it to pay off the the $3 I owe for my loan that's overdue. The the 1,500 owing on my on my rent here at the caravan park, it's overdue. And the $600 on the the claim bill that's gonna be cut off next week if I I've gotta try and pay some of that out of my settling.","start_word":5119,"end_word":5190,"intents":[{"intent":"Pay off the claim bill","confidence_score":0.01594141}]},{"text":"The the 1,500 owing on my on my rent here at the caravan park, it's overdue. And the $600 on the the claim bill that's gonna be cut off next week if I I've gotta try and pay some of that out of my settling.","start_word":5146,"end_word":5190,"intents":[{"intent":"Resolve a problem with overdue claim bill","confidence_score":0.000103122584}]},{"text":"I don't I wanna reach out and get some sort of actual assistance. I mean, I got $90.96 plus grand in the fucking seat bar, and I can't access anything to get myself out. It's big enough to be able to watch the slate clean that I need to be able to get back on my feet and give myself some breathing room. Yeah. I know.","start_word":5280,"end_word":5345,"intents":[{"intent":"Seek assistance","confidence_score":0.027114661}]},{"text":"You're gonna spend the afternoon doing the application to the ATO.","start_word":5402,"end_word":5412,"intents":[{"intent":"Apply for tom","confidence_score":0.12990713}]},{"text":"I want you to really, really think about forfeiting that vehicle. I I understand that it is a massive ask, but, realistically, the only other avenue we have is bankruptcy, which means that you lose it anyway. And that's kind of where everyone's gonna start pushing soon. Yeah.","start_word":5480,"end_word":5527,"intents":[{"intent":"Consider forfeiting vehicle","confidence_score":0.36398408}]},{"text":"It's just gonna exact exactly as I said, Maslow's hierarchy of needs. We're just gonna deal with that base need right now, which is safety and security. We're just gonna make sure that you are safe and secure through your belly, shelter overhead. Okay? Okay.","start_word":5546,"end_word":5590,"intents":[{"intent":"Address needs and ensure safety","confidence_score":0.00013394155}]}]},"sentiments":{"segments":[{"text":"Hello. Matthew speaking. Hi, Matthew. My name is Larissa from Brookview Financial. How are you going? Yes.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.14869867265224457},{"text":"Good. Thank you. How are you?","start_word":17,"end_word":22,"sentiment":"positive","sentiment_score":0.4844824373722077},{"text":"Yeah.","start_word":23,"end_word":23,"sentiment":"neutral","sentiment_score":0.22981911897659305},{"text":"Good. Thank you.","start_word":24,"end_word":26,"sentiment":"positive","sentiment_score":0.4934564232826233},{"text":"I know you spoke with Jordan not too long ago, and she popped you in my calendar for Monday. But I had a little bit of time this afternoon. I thought I'd try and give you a call, if that was okay. Absolutely. But before I jump into it, I do need to let you know that our calls are recorded. Is that okay?","start_word":27,"end_word":90,"sentiment":"neutral","sentiment_score":0.06218332052230835},{"text":"I am so sorry, darling. I am losing my voice. I'm getting a bit sick.","start_word":91,"end_word":105,"sentiment":"negative","sentiment_score":-0.6381542682647705},{"text":"Well, yeah, it kinda sounds like it. But that's okay. As long as you can hear me okay because well, I've had it I'll rest of the phone reception is, yes, not very good. Nope. I've got you, though. Now Jordan gave me a rundown on your situation, and then I've gone through and had a look at your file notes that we have on file for you. Because I know that you had a conversation with one of my colleagues back late last year as well. And I guess right now, what I wanna do is I wanna get a full picture of where of where you where you're at. Because from my understanding, I know you've had a really rough couple years. You were helping a a lady out for a period of time. I know you're currently living in your caravan. And and are you receiving Centrelink benefits not currently working? So, yes, I everything was going going well. I need yeah.","start_word":106,"end_word":270,"sentiment":"neutral","sentiment_score":-0.0655895546078682},{"text":"I got got into a minor accident. And now because of the accident, I was laid off work, And I haven't been able to get to work now for I think it's about sixteen weeks. And, yeah, I'm I've basically got one of the things I'm losing is I'm gonna have to lease my vehicle. I've only got till next Thursday to try and get some sort of money together to save my vehicle.","start_word":271,"end_word":344,"sentiment":"negative","sentiment_score":-0.3987687230110169},{"text":"And then the weeks after that, I can focus on paying down my rent and the rears of my loan and my fine bill and everything else because I have well, I've been focusing so hard on on trying to keep my head above water that I don't know.","start_word":345,"end_word":393,"sentiment":"neutral","sentiment_score":-0.21592751145362857},{"text":"It's just just things around me have been crumbling, and it was only on Tuesday that I went to the litter box, and I got the letter regarding my vehicle. And it I realized I'm I'm literally absolutely right now as it stands on pretty much absolutely irreversibly financially destroyed. I have no job.","start_word":394,"end_word":447,"sentiment":"negative","sentiment_score":-0.5898826718330383},{"text":"I know I've got just a e scooter I used to travel around with, and I'm I'm on Centrelink. I've I've gone through on Wednesday. And on Wednesday, I I rang a a the the settling consultos and and Anglicare, AMZ Bank. And my last resort was to get the super out, but then I realized I don't have twenty six weeks to wait.","start_word":448,"end_word":511,"sentiment":"neutral","sentiment_score":-0.1912553608417511},{"text":"I mean, I've got another another seven weeks to wait till I got so I hit that twenty six week margin that I need to get access to my super. And I've got until Thursday or Friday next week to to to to come up with enough money just to to to pull me out of this financial hole because I've buried myself too deep. Without employment, it's just my things so very hard.","start_word":512,"end_word":585,"sentiment":"negative","sentiment_score":-0.4554419219493866},{"text":"When I on Wednesday, I went around town in Bunbury, and I gathered all the documents that I could prepare them for the financial hardship on my hub twenty four account. And Yeah. then I got a set link, and I've got a bit of paper here that shows me that I've only got sixteen weeks out of the twenty three weeks that I need or whatever it is to I'm actually seven weeks behind, and I've only got one week to come up with the money. And then the lady, when I was speaking to the superannuation, she said if so she reminded me that I may possibly have a small share portfolio with OQ Financial under the same account number as I have with my super regulation. So pretty much everything, all the documentation that I have in my position in paper form right now is sitting in my emails that has that includes bank statements, a photocopy of me driver's license. I've just got a message from the manager of the caravan park and showed me what title that I am behind in my rent. So I've got a small summary here just how not awful my financial situation is. And then Yeah. I went on Google this morning, and I I because I was just curious, and I thought, well, you know, you guys have been taking out money out of my super ever since I joined up with you. So that was part and parcel with the contract to be able to put in a shared portfolio. I wanted to know if I could if it was possible to take money out of my super and put it into shares. And I got an answer saying yes, and I don't know what the process is or how it's done. But what I wanted to know is, first of all, do I still have an existing share portfolio with Oakview Financial? If so, what is the total value of that share portfolio? I wanna know what's the most I can take out of that share portfolio based upon my absolute extreme financial hardship situation, which is just a whole, like, unbelievable. And it should be the total would be for me to wipe the slate clean and get back on my feet would be 9,000 rounding it up would be $9,550. And I remember about two years ago, I think it was I was I was around pretty sure it was around, like, 12 to 16,000 or something like that in there. So I wanted to be able to take enough out, including all the taxes and consult fees and everything else thrown on top so that the net value comes around 9,500 or at least somewhere around $8.08 between 8 to $10. And then I wanted my superannuation account that's got I was told it's got over $96,000 in the superannuation account, and I wanted to take $40,000 out of that and then invest that in through into shares through financial.","start_word":586,"end_word":1091,"sentiment":"neutral","sentiment_score":-0.09855107159129244},{"text":"Once I've completed the withdrawal transaction because of my desperate financial situation.","start_word":1092,"end_word":1103,"sentiment":"negative","sentiment_score":-0.33888331055641174},{"text":"I know sometimes there are, for extreme circumstances, ways you can spearhead the transactions to make the money go through quicker, which is the sort of the direction I need.","start_word":1104,"end_word":1133,"sentiment":"neutral","sentiment_score":0.09304463863372804},{"text":"But I have literally exhausted every avenue, and I'm at the point where I'm I'm trying not to.","start_word":1134,"end_word":1151,"sentiment":"negative","sentiment_score":-0.3961144089698791},{"text":"I'm trying to find a reason, a way, a possibility to be able to find a way to get my slate clean enough because I'm at the point where I'm I'm not ready to give up on life because every other avenue, it just doesn't exist. So this phone call is the last chance that I have. And if I've got that share portfolio, I just wanna know how much it is, how much I could take it out, how much I need to take out so that at least I can get $10 after tax or between 8 to $10 after tax out of portfolio. And then try and figure out a way to get it into my account in the next as soon as humanly possible. While at the same time to transferring $40,000 out of my superannuation account and investing it straight back into IP Financial, not only to make up for what I've taken out, but to invest put in a big investment in for a future nest egg for when the time comes that I have I do end up retiring.","start_word":1152,"end_word":1337,"sentiment":"neutral","sentiment_score":0.07219205051660538},{"text":"And I wanna do that contribution as a out of respect for the portfolio, which I'm trying to inquire about. So I just wanna if I could get enough money out of my portfolio, if if it's possible for me to be able to wipe the slate clean, get what I need to start fresh, and give me the enthusiasm, the drive, and the and the just the desire to try to to to turn my life around and and live a good life, then then that would be awesome.","start_word":1338,"end_word":1427,"sentiment":"positive","sentiment_score":0.5206236839294434},{"text":"But I could either walk away with literally nothing to my name or I could turn around and wipe the slate clean, and it all depends now what my share portfolio is. And I need at at the moment, I need to take out as much as I can, as quick as I can, and have it turned over into my account as quick as I possibly can to make make up for my financial shortfall and the hole that I've fallen into that I just can't without employment.","start_word":1428,"end_word":1516,"sentiment":"neutral","sentiment_score":-0.24190053176344112},{"text":"This is there's no other option available to me except for this.","start_word":1517,"end_word":1528,"sentiment":"negative","sentiment_score":-0.42195290327072144},{"text":"And I think that if if I if I find out that I've got the available funds and I could do that transaction, I'd love to try and get that done as in the shortest time humanly possible and then surrender $40 straight back into the share portfolio to fill the gap and build a bridge to a more financial secure future. Okay. So can I just really quickly ask, who told you about the shared portfolio with Oakview? The Hub twenty four. The lady you are speaking speaking to on Hub twenty four. Okay. That's okay. So I I think that, like, there needs to be some decent clarity around this. You have a share portfolio, but it's your superannuation portfolio. You don't have any shares personally that you own that are accessible. The only shares that you own are those that are under your superannuation account, so they're restricted from being able to be accessed. However yeah.","start_word":1529,"end_word":1687,"sentiment":"neutral","sentiment_score":0.06260184198617935},{"text":"However, based on the fact that you are set to be kicked out of the caravan park and that's with our place of living, we might be able to go to the ATO under Compassionate Grounds and request for a release from your super fund under Compassionate Grounds claims given that the financial hardship, which is direct with the Superfund, won't release money.","start_word":1688,"end_word":1750,"sentiment":"negative","sentiment_score":-0.3622959852218628},{"text":"Yes. The way to do the Compassionate Grounds claims is through your myGov account under Mhmm. compassionate grounds release, and you would basically utilize the foreclosure of your home as as the grounds on what you're on on how you're claiming, because that would that would basically be where you're at is that, you know, the the caravan parker are gonna kick you out. Yes. But how much the ATO will release, I obviously can't attest to that. It's very, very, very, very out of my hands, and I, before I called you, have looked at every avenue because I I even did some exhaustive research on, like, Salvation Army, Vinnies, Anglicare, even like, I looked at men the men's shed.","start_word":1751,"end_word":1871,"sentiment":"neutral","sentiment_score":-0.12999330054629932},{"text":"There's a couple of men's sheds around near in your location, which I really, really recommend that you do look at attending a men's shed event.","start_word":1872,"end_word":1897,"sentiment":"positive","sentiment_score":0.3738059401512146},{"text":"A, I for really your mental if I could if I if I if I could get the money I need to to to get myself out of this financial hole, I could pretty much do anything and go everywhere and accomplish everything it needs to be accomplished. But at the moment, I'm sitting at home. I'm on on twenty on sixteen weeks of settling.","start_word":1898,"end_word":1962,"sentiment":"neutral","sentiment_score":0.10670679062604904},{"text":"The money has run out. The food is running out. The bills have just every bill that I could that I could think of that I have that makes me who I am, that every single one of them are piling up behind to the point where it's it's affected phone access, my home, my loan repayments, my savings. And now I'm gonna lose my car on top of everything else. And and I'm looking at this eviction notice, and I'm just like, I'm at the point where it's like, at this at this point in time right now, it'd be just hell of a lot more convenient just to walk in the books and just just never walk out. I I'm I'm I've just wanted to I've I've literally exhausted every every possible avenue that I could come up with to be able to to be able to just come up with the money that I need in the most desperate, like, the the whatever they call it, the the tenth hour or whatever, where Yeah. I can't the ability to pay the rent, sort out the situation with my vehicle, get the lot the the money I owe the bank for the this loan repayments, get the phone situated, pull it out, everything, and just plug the slate clean.","start_word":1963,"end_word":2183,"sentiment":"negative","sentiment_score":-0.5353700518608093},{"text":"Have you called have you called the creditors or, like, the the bankers of the act and gone on the financial hardship? Requested a financial hardship.","start_word":2184,"end_word":2209,"sentiment":"neutral","sentiment_score":-0.19935421645641327},{"text":"I'm already on a financial hardship arrangement with my loan repayments, and they're on hold until further notice. I've been hold on hold for a few weeks. And I said, look, you know, I I I know I said, I know at the moment it's 41,000 or something. And I said, look, you know, I know I'm I'm nearly three grand behind of my payments. And I I if if somehow you can restructure a loan to give me an extra fucking 5 or 6 or $7 just to be able to wipe the slate clean, and I just said, look, you know, under the circumstances considering I well, I've got a loan that I can't that's on the hold in the under financial circumstance. And the fact that I already owe them nearly $3 of payments, you know, Yes.","start_word":2210,"end_word":2349,"sentiment":"negative","sentiment_score":-0.5013952255249023},{"text":"that's just They gonna want to be. consider it.","start_word":2350,"end_word":2358,"sentiment":"neutral","sentiment_score":-0.25000107288360596},{"text":"And I was just like, man, that's when I rang my super, and they say, well, we can't be forward unless it's been twenty six weeks. You got another seven week wait. And I I don't have seven weeks. I've got one literally one week.","start_word":2359,"end_word":2403,"sentiment":"negative","sentiment_score":-0.3900754749774933},{"text":"And Is I've there any been way you can talk talk to the caravan park about extending it till the seven I weeks? I tried. I've tried. I've tried. I've tried. I've tried. I've, like, this No.","start_word":2404,"end_word":2440,"sentiment":"neutral","sentiment_score":-0.13790731132030487},{"text":"is like And I managed to throw everything out of it out at it, and I've got it down to I think it's, $1,485, I think it was. So I've got it down to that, but then all of a sudden, I've hit a wall because I'm now about to lose my vehicle. That's gonna go, and I'm gonna lose my I've run I've got all these flight.","start_word":2441,"end_word":2508,"sentiment":"negative","sentiment_score":-0.4759902358055115},{"text":"I'm gonna get I I'm I'm literally right on the on that very torque line, the difference between sitting on the legs or falling over the edge of it. And I'm just I I need to figure out how I can get some sort of financial assistance to be able to cover all the costs so I could get everything fixed, wipe this plate clean, and try to give myself some sort of hype and and meaning. And I and I don't know because I've got a week.","start_word":2509,"end_word":2596,"sentiment":"neutral","sentiment_score":-0.04995171353220939},{"text":"I I I don't know how to I don't know how to do it. I don't know how to do it on my own.","start_word":2597,"end_word":2620,"sentiment":"negative","sentiment_score":-0.501630425453186},{"text":"I mean, like, the the I don't I've been doing a course in town. It is a certificate to a business, which I've almost completed. But the course the the place I do the course at, they close on Friday.","start_word":2621,"end_word":2660,"sentiment":"neutral","sentiment_score":-0.2053232342004776},{"text":"So I can't go there and use computers to type out anything.","start_word":2661,"end_word":2672,"sentiment":"negative","sentiment_score":-0.5068591237068176},{"text":"Every time Yeah. I get sent PDFs, I've gotta get them on my phone on my tablet, which is what I'm calling you on, and my phone is Yep. gone.","start_word":2673,"end_word":2702,"sentiment":"neutral","sentiment_score":-0.13278065621852875},{"text":"And my tablet, like, it I'd have a hard time trying to do PDFs.","start_word":2703,"end_word":2716,"sentiment":"negative","sentiment_score":-0.3913139104843139},{"text":"I've only got the word program. So it's gonna take me a bit to figure it out.","start_word":2717,"end_word":2733,"sentiment":"neutral","sentiment_score":-0.2847512662410736},{"text":"Sometimes I can't even do that.","start_word":2734,"end_word":2739,"sentiment":"negative","sentiment_score":-0.33836209774017334},{"text":"So I've gotta be able to access the forms, be able to fill them out, add all the information, send them off today, or Monday. But I need to get them all loaned in because I literally only have one week. I've I've already spoken to a lawyer to try and help me get the vehicle sorted to try and have an argument with the the because the reg eyes are almost due, and I'm trying to I'm trying to figure out a way to get some sort of extension plan put in place so I can come up with the money to keep my vehicle registration. You know, like, I'm still in league while I've still got time to register it, but that's like I'm I'm between my vehicle, my rent, my loan, my phone.","start_word":2740,"end_word":2875,"sentiment":"neutral","sentiment_score":-0.2235937670749777},{"text":"And the whole situation at the moment, like, literally everything that the forest come crashing down on the pole, like, all at once. And I and I and I don't know. I've got I've got no options. I've got absolutely Do you have no options.","start_word":2876,"end_word":2920,"sentiment":"negative","sentiment_score":-0.5394427180290222},{"text":"you know, do you have any family that No.","start_word":2921,"end_word":2929,"sentiment":"neutral","sentiment_score":-0.16656267642974854},{"text":"resides I've got no family. I've got no friends. I've got no contacts. I've got no business partners. I've got no job. I've got nothing. And my phone bill is already a few 100 overdue. It's only because I have the Internet on or not because I just can't I can't have been able to sleep in days.","start_word":2930,"end_word":2987,"sentiment":"negative","sentiment_score":-0.5500693917274475},{"text":"And so when I get my next settling payment, which is not this which is next Friday, then I'm gonna pay $480 on two weeks rent. I'm gonna keep, say, $50.60 bucks aside for food shopping, and the rest goes on my phone bill. And I'm gonna hope that's enough to keep my my tablet connected so I could try and still book for work and find everything. And I've literally got, like, in one week, it'll look that that once that once that door closes, there's no recovering from it. I'd like everything I own will go on the tip, and I'll walk away from the caravan park with the clothes I'm wearing, and that's it. Yeah. And you're in a caravan caravan, I'm assuming. Not a Yeah. I I'm I'm in a motor home that I own. But the rego ran out of that couple of weeks ago, so that's now unregistered because I I couldn't come up with the money to keep the rego going. So My vehicle rego run on the June 30 and on and maybe between so my no.","start_word":2988,"end_word":3172,"sentiment":"neutral","sentiment_score":-0.12692031264305115},{"text":"my phone and my loan repayments, I just can't afford everything anymore. It's it's all it's all gone.","start_word":3173,"end_word":3190,"sentiment":"negative","sentiment_score":-0.7269962430000305},{"text":"So so just you're in a motor home, not a caravan, so it's a a vehicle that's drivable without a car. Correct? Yes. And you own that outright? Yes. I do. So have you considered surrendering your car, which removes it removes the need for you to have the loan repayments. You still have a vehicle. You can pay monthly registration on that vehicle. You no longer have to register First two vehicles. of all, the the motor home hasn't been started in nearly three years, and it needs a mechanical overhaul before I can actually get started again. I do have an e scooter that which I can go about 30 kilometers one direction with with having enough power to get back home again.","start_word":3191,"end_word":3315,"sentiment":"neutral","sentiment_score":0.07830049097537994},{"text":"But if winter comes and the rains are to Rachel and it doesn't start raining, I can't like, the the the speed is not gonna work in the rain.","start_word":3316,"end_word":3344,"sentiment":"negative","sentiment_score":-0.4115813672542572},{"text":"And, you know, when the the bulk of the work is, it's usually anywhere between about 35 to 45 kilometers away in one direction. So if I can't use my scooter in the torrential rain and I don't have the money to get to work, the only thing I've got is a four hour walk or two between two to four hour walk in the rain in one direction from the caravan park to get to work, be able to do the whole day shift, and then have to turn around and walk all the way back to the caravan park another two hour walk, two to two to three hour walk.","start_word":3345,"end_word":3456,"sentiment":"neutral","sentiment_score":-0.17013081908226013},{"text":"And then and then I need to, like, eat, sleep, go to bed, get up, and then do it all again while the rain, it just doesn't stop, and it's just constant, and it's just wet, and it's miserable.","start_word":3457,"end_word":3495,"sentiment":"negative","sentiment_score":-0.4456845819950104},{"text":"And the only thing out of that, the only thing that would would would would would help me be able to get to work is my vehicle.","start_word":3496,"end_word":3522,"sentiment":"neutral","sentiment_score":-0.16531042754650116},{"text":"The only thing that would help me give me any sense of hope or possibility, any kind of way that I could I could actually make life a lot more simpler and easier for myself is if I had that vehicle, no worries. I can get in that vehicle. I can go to work. I can arrive to work on time. I can arrive to work dry.","start_word":3523,"end_word":3589,"sentiment":"positive","sentiment_score":0.5675879120826721},{"text":"And even when I drive to and from work two, three, four days in a row because of the constant wet weather, I know by the time for Friday, it comes along.","start_word":3590,"end_word":3621,"sentiment":"neutral","sentiment_score":0.09242675453424454},{"text":"I'm not gonna pass out on the ground from exhaustion from having to walk four hours every day in the in the pouring rain.","start_word":3622,"end_word":3645,"sentiment":"negative","sentiment_score":-0.3830714225769043},{"text":"And I'm literally trying to figure out a way. I've literally got one week left between everything and and all I need is a financial assistance of some kiss of God miracle of the last minute where I can just get the help that I desperately need to just just turn turn everything around, wipe the slate clean, and give me a chance to be able to find a way to fundamentally get back and become financial stable to the point where I'm not waking up in the morning, trying to come up with a reason not to hang myself today because I'm like, I've still got a chance. There's someone's gonna help me. I've still got a chance. Someone's gonna help me.","start_word":3646,"end_word":3768,"sentiment":"neutral","sentiment_score":0.03717399388551712},{"text":"And I've gone through every single possible fucking thing that exists on this heaven and earth to help me through this. And this phone call is that this is this is my last hurrah. This is all I got left.","start_word":3769,"end_word":3808,"sentiment":"negative","sentiment_score":-0.5284004211425781},{"text":"This is all I have left. Okay. Sorry. The way forward in in in regards to accessing money, the ATO is and the compassionate release claim is gonna be the way we need to go about it Yes. to get money out of your super fund Yes. under the foreclosure component. In regards to the car, I I really, really understand what you're saying. I I I do, and I'm not trying to discredit the fact that the car is important. But from for all intents and purposes, what we're currently saying is that you are $40 in the whole, and you owe $40 for a car in which you are $3 in arrears on that payment.","start_word":3809,"end_word":3925,"sentiment":"neutral","sentiment_score":-0.1171314326616434},{"text":"That car is currently not serving a purpose because we don't currently have a job.","start_word":3926,"end_word":3940,"sentiment":"negative","sentiment_score":-0.5289708971977234},{"text":"What we do currently have is an e scooter, which is a motor transport. Yes. I understand completely that it's not ideal when it's raining, and I understand rain season's around the corner. But you also have a motor home. I understand that it doesn't currently move, that that motor home needs to remain an asset to you and accessible to you because otherwise you are on the street. Currently, you are dry and you have a place to actually put your head that's warm and dry.","start_word":3941,"end_word":4027,"sentiment":"neutral","sentiment_score":0.03240388631820679},{"text":"So Yes. I wanna keep I wanna keep that that asset is more important than the car. The car, yes, I get it. It it's important, and it gets you to where you need to be.","start_word":4028,"end_word":4063,"sentiment":"positive","sentiment_score":0.43853604793548584},{"text":"But, realistically speaking, the motor home, if we can get it to have an overhaul mechanically, then it can be it can serve as both a home and a vehicle to get you from a to b. Yes. So I think we need to surrender the car as much as that hurts and as much as we we might wanna keep it. The car needs to be surrendered back to the lender to clear the debt because you you you currently can't service it. And then once we're back on our feet, we can go and find another car. But instead of buying a 40 car, maybe we go and grab a 4 or $5 car, something that we we can serve it serves serves what we need to do. Obviously, I Yes. understand once we have a job, we're gonna be in a much better position because we'll have good income coming in and all happens.","start_word":4064,"end_word":4220,"sentiment":"neutral","sentiment_score":0.08000463247299194},{"text":"But right now, unless you can get a job today and that job is able to pay you by the end of the week or is able to pay you ahead of time, The circumstance is is that we don't currently have any money outside of Centrelink.","start_word":4221,"end_word":4267,"sentiment":"negative","sentiment_score":-0.421096533536911},{"text":"Okay. So I think it's a serious you you're gonna need to seriously think over the weekend about with respect to the car, do we do we actually go to rent it to, you know, make make the call to to the lender, to the person that you know, the people that have the loan for that vehicle and inform them that you're gonna surrender the car, have a conversation with them about what that looks like. Yes. Mhmm.","start_word":4268,"end_word":4346,"sentiment":"neutral","sentiment_score":-0.1565588116645813},{"text":"It reduces down on the amount of debts that you have on where you currently sit.","start_word":4347,"end_word":4362,"sentiment":"positive","sentiment_score":0.43364545702934265},{"text":"It means that you're no longer trying to sink money into a vehicle that, realistically, you don't have the affordability to be able to run at full capacity right now anyway. Yeah. If we can get the camper trailer, the the the camper van up and running, then you have both a vehicle and a home. Yes. You become a turtle, so to speak, which means that you're safe and secure and still have somewhere to reside because the camper van is gonna be a lot more comfortable than trying to sleep in the back of a 40,000 car that you can't afford. Yeah. Now with the ATO, I can send you an email on how to lodge that application because it's with the with myGov. I obviously don't have access to your myGov. I would Mhmm.","start_word":4363,"end_word":4499,"sentiment":"neutral","sentiment_score":0.10698790848255156},{"text":"never and no one ever should ask to gain access to your myGov.","start_word":4500,"end_word":4512,"sentiment":"negative","sentiment_score":-0.3413996696472168},{"text":"It has a lot of your personal information in it. So it is an application that you're gonna have to submit yourself. Yes. Obviously, the sec like, once once it's once it's approved, you know, I will I will make sure the money from Hub twenty four is released immediately. But the ATO have to be the one to approve it. You can put an escalation statement on the application. Yes. The ATO are actually pretty quick at reviewing the applications, to be honest.","start_word":4513,"end_word":4596,"sentiment":"neutral","sentiment_score":-0.036879420723943485},{"text":"They're not too bad. And you have all the documents, which is good. That's going to get you money.","start_word":4597,"end_word":4615,"sentiment":"positive","sentiment_score":0.620415985584259},{"text":"I just can't tell you how much money, but that will get you money once the ATO review it and have a look at it. We Okay.","start_word":4616,"end_word":4642,"sentiment":"neutral","sentiment_score":0.276142954826355},{"text":"can obviously still go ahead in seven weeks' time and look at releasing money from super under financial hardship as well, and that'll be $10 less taxes. So it'll be about 7 and a half in hand, And that'll give you more money to get you back on your feet a little bit more, and it'll allow you to breathe.","start_word":4643,"end_word":4702,"sentiment":"positive","sentiment_score":0.4159192740917206},{"text":"Okay. It's not gonna bring you your car back, but, realistically, at this point, we need to forget about the luxuries and we need to be conserving. Have you ever heard of Maslow's hierarchy of needs? Yes. Yes. Cool. Right now, we're at the base need and we're trying to make sure that you have your safety. And how we do that is food, air, water, shelter. So we Yep. need to conserve the food. We need to conserve the shelter. That is our base needs, and we need to make sure that that's what we're conserving and that's what we're keeping safe for you. Alright? Alright. If I had $10 to give you personally, I would, but I I I don't. I don't have anything that I could give you personally. But what I will do is I will send you an email now, and I will just double check. Your email address is misterniceguy@misterniceguy1211612atgmail.com? Yes. Yeah. Alright. I will send you an email now with the compassionate grant Compassionate Grounds steps. As I said, you're gonna go under a foreclosure Yeah. of your home claim. That's essentially what you're you're claiming for and go through that way. Outside Alright. of that, how and you said that you contacted all the services around your area. Did they come back to you with anything? Have they given you food vouchers? Have they assisted in any They way? they did they said that I I could get food vouchers. I need but, mind you, that's, like, an hour one hour ride one way into to to from where I am to where I need to be to pick them up. While the weather is like this, it's okay. I don't mind doing that. But I said to him, I need something a little bit more substantial than a couple of food vouchers because there's there's a couple of people in the caravan park where every two or three days, they keep coming up to me and giving me just just enough food to get me by.","start_word":4703,"end_word":5047,"sentiment":"neutral","sentiment_score":0.022229978928099508},{"text":"So I I I am running out of food.","start_word":5048,"end_word":5056,"sentiment":"negative","sentiment_score":-0.5387502312660217},{"text":"I do have I can get vouchers if I contact them and try to organize something, some sort of assistance. But other than that, I I don't need I I I like I said, I've got I am running out of food, but I've got just enough to get me through to my next Centrelink rotation. Okay. But I don't need food. I need I need the money in my account so I can use it to pay off the the $3 I owe for my loan that's overdue.","start_word":5057,"end_word":5145,"sentiment":"neutral","sentiment_score":-0.147983118891716},{"text":"The the 1,500 owing on my on my rent here at the caravan park, it's overdue. And the $600 on the the claim bill that's gonna be cut off next week if I I've gotta try and pay some of that out of my settling. That's constantly going backwards because I just I can't I could barely sleep, so I can watch the TV most of the night. That's doing up the data, pushing the finger up. So all I'm doing is just I'm just going backwards one day at a time. It's going further and further and further and deeper and deeper and deeper and down, further down that rabbit hole to the point where it's like I'm getting up to the point where there's nothing worth coming back back from up. I don't I wanna reach out and get some sort of actual assistance. I mean, I got $90.96 plus grand in the fucking seat bar, and I can't access anything to get myself out. It's big enough to be able to watch the slate clean that I need to be able to get back on my feet and give myself some breathing room.","start_word":5146,"end_word":5341,"sentiment":"negative","sentiment_score":-0.5209077426365444},{"text":"Yeah. I know. I know. And there is light at the end of the tunnel that you do have that money, and that comes to you one day. Hey. It's just not not necessarily today, but it is yours. It's just we have to wait for it. So right now, what we're gonna do is I'm sending you an email. You're gonna spend the afternoon doing the application to the ATO. Yes. And then on Monday, I'm giving you a call, and we're gonna touch base together again. Yep. I'm going to sit down and spend my weekend doing some research and seeing if there's any other avenues that we have that you haven't looked into that I can think of. I'm gonna reach out to a few of my contacts to see where we can go. Yeah. I want you to really, really think about forfeiting that vehicle.","start_word":5342,"end_word":5490,"sentiment":"neutral","sentiment_score":0.09310881048440932},{"text":"I I understand that it is a massive ask, but, realistically, the only other avenue we have is bankruptcy, which means that you lose it anyway.","start_word":5491,"end_word":5516,"sentiment":"negative","sentiment_score":-0.3570258617401123},{"text":"And that's kind of where everyone's gonna start pushing soon. Yeah. K. It's not the end of the world to go bankrupt. People come back from it. It's okay. It's just gonna exact exactly as I said, Maslow's hierarchy of needs. We're just gonna deal with that base need right now, which is safety and security. We're just gonna make sure that you are safe and secure through your belly, shelter overhead. Okay? Okay. And I know I know that money does fix that. Money makes the world go round, but there's things we can do to make that happen. Forfeiting the vehicle means that that full that $3,000 that's owed is no longer owed. It means that from your Centrelink payment, money can be directed to the caravan park.","start_word":5517,"end_word":5646,"sentiment":"neutral","sentiment_score":-0.014900886668608738},{"text":"So that way, you still have access to your vehicle, and you stay where you are in a safe environment with people that obviously care about you considering they're sharing their food.","start_word":5647,"end_word":5678,"sentiment":"positive","sentiment_score":0.35931596159935},{"text":"Yes. Okay? You don't have no one. You have people, and they're obviously caring. K?","start_word":5679,"end_word":5693,"sentiment":"neutral","sentiment_score":-0.012410824187099934},{"text":"We just need to make some hard decisions and get rid of things that we may might not wanna get rid of. The car's a massive one, unfortunately.","start_word":5694,"end_word":5721,"sentiment":"negative","sentiment_score":-0.4148147404193878},{"text":"Yeah. Okay. So I want you to really think about it over the weekend. We will talk Mhmm. about it on Monday morning at 9AM. I will still call you, but I'm gonna sit down and send you an email right now so you can do the ATO stuff. Okay? Okay. Okay. And I will talk to you Monday morning. Alright.","start_word":5722,"end_word":5782,"sentiment":"neutral","sentiment_score":0.08390334993600845},{"text":"Thank you Deal? very much. You're welcome, Matthew. You Speak have a to great you then. I hope you're feeling a bit better, aren't they? Thank you. You have a good weekend too, and we'll speak soon. I appreciate the phone call. Here we go. That's fine.","start_word":5783,"end_word":5829,"sentiment":"positive","sentiment_score":0.5468177199363708},{"text":"Bye, Matthew. Bye. Bye.","start_word":5830,"end_word":5833,"sentiment":"neutral","sentiment_score":0.22631804645061493}],"average":{"sentiment":"neutral","sentiment_score":-0.11461918039619344}}}}