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I was like, that's weird. Hang up and start again. Anyway, how are you going? Oh, that's good. Possibly. I honestly jumped out of my meeting, and Jack flagged me, and I just jumped straight on the phone to you. That's okay. I can resend it. So can you while I'm looking up in in our system everything, I guess I need to go through things properly and just let you know our calls are recorded. And if I could just get you confirmed security its full name, date of birth, and address? Perfect. Okay. So I know that yeah. About nine maybe nine months ago, so we sent out forms, and I believe you actually spoke with Amy at the time. Now with with regards to where you're at, what's I guess, what's going on so I can make sure that I send you out the right right forms and and that you get everything properly. Yeah. Yeah. Right. There's no income. Yeah. Okay. Have you, like, reported him and, like, like, tried to get the income? Yep. Yeah. Yeah. Yeah. He just want you wanted his work paid? Short to pay everything. So he has he has paid through everything now? Has he paid out every invoice now? Okay. Yeah. Yeah. It just left you in lurch a lot. Okay. So it is a financial it is financial hardship, but financial hardship under a super fund is only if you've been receiving Centrelink for up to twenty six weeks. Yeah. So financial hardship, we can only apply for if you meet the requirement of continuous Centrelink payments. But I'm quite sure so last time you spoke with Amy, you discussed Compassionate Ground, which is through the APO. Yeah. The APO claims based on very specific requirements. It's gonna be a hard push, but it could be possible that you may be able to receive a payment. But I don't generally see any of the payment like, any payment approved for, you know, not receiving invoices paid or anything like that. But let me have a look at your account and see if There might be enough. So so what happens is the ATO the ATO basically so the ATO under a compassionate claim will only pay money out for very specific requirements, so very specific claim claim requirements. And those claims are basically, you know, to pay a funeral for for yourself or for someone, you know, a dependent, to pay some medical bills for yourself or a dependent, to assist with any form of you know, you're about to lose your house, any any unpaid, you know, house orientated bills. So it it can come down to rates, stuff like that because rates bills can result in the foreclosure. It won't generally help with a business. No. But you can always try and put a claim through for the business and see whether they will allow it, but not generally. No. You can always try it, though, and I can send you the information on how to do it because it's a it's a it's an application with the ATO. It's not with the super fund. It's the ATO that actually approved this. Income. Yeah. Yeah. And running the truck is hard because it takes money to run the truck. It's not just, you know, being able to get in and do it. Yeah. Definitely. So do you want me to send the email on, like, how to apply with the ATO to see how that goes? No. Like, they don't generally get They don't generally get approved, but you can always throw it at the wall and see whether it sticks. The a the ATO has well, the government as a whole is have very much secured things probably over the last decade. They're not really accepting any kind of claims that don't specifically meet the requirements that are supposed to be met. Yeah. Yeah. Very, very much easy easier back then, but, no, over the last probably decade or two, they've they've definitely tightened things up. It's not that they don't care, but they've just restricted and and tightened things up because the whole point in the superannuation fund is to make sure that there's money preserved for retirement. I'll send the email through to you. Possibly. Yes. It it it is very much gonna be a bit of a a waste of time trying. Have you like, possibly, as bad as it as it is, credit cards or maybe going instead of, like, self employed, going and becoming, like, an employee again? Yeah. Which I'll send you the email. And if you run into any issues when you're doing the application, because the application's all online with myGov, give me a call, and we can talk we can step it through. But, yeah, it's you you're gonna have to sort of put forward the bleeding heart scenario. So you you're definitely gonna have to sort of amp it up in terms of all of the the issues and struggles when you have the opportunity to three types in the application. I have, with lawyers, heard of people that are getting getting payments, but they also had to pay a lawyer. Pretty much. Yeah. And other than that, yeah, possibly just going employee, and that way you you're earning an income to be able to pay off the truck loan and have money coming in. Yeah. Yeah. They don't pay. K. Alright. I'll get that through to you now. That's okay, Aaron. 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Aaron Larissa from OC Financial. How are you going? That's good. Sorry about before I called, and it wasn't dialing out.\n\nSo I've hung up and sorry about that. Yeah. It it wasn't dialing out. I was like, that's weird. Hang up and start again.\n\nAnyway, how are you going? Oh, that's good. Possibly. I honestly jumped out of my meeting, and Jack flagged me, and I just jumped straight on the phone to you. That's okay.\n\nI can resend it. So can you while I'm looking up in in our system everything, I guess I need to go through things properly and just let you know our calls are recorded. And if I could just get you confirmed security its full name, date of birth, and address? Perfect. Okay.\n\nSo I know that yeah. About nine maybe nine months ago, so we sent out forms, and I believe you actually spoke with Amy at the time. Now with with regards to where you're at, what's I guess, what's going on so I can make sure that I send you out the right right forms and and that you get everything properly. Yeah. Yeah.\n\nRight. There's no income. Yeah. Okay. Have you, like, reported him and, like, like, tried to get the income?\n\nYep. Yeah. Yeah. Yeah. He just want you wanted his work paid?\n\nShort to pay everything. So he has he has paid through everything now? Has he paid out every invoice now? Okay. Yeah.\n\nYeah. It just left you in lurch a lot. Okay. So it is a financial it is financial hardship, but financial hardship under a super fund is only if you've been receiving Centrelink for up to twenty six weeks. Yeah.\n\nSo financial hardship, we can only apply for if you meet the requirement of continuous Centrelink payments. But I'm quite sure so last time you spoke with Amy, you discussed Compassionate Ground, which is through the APO. Yeah. The APO claims based on very specific requirements. It's gonna be a hard push, but it could be possible that you may be able to receive a payment.\n\nBut I don't generally see any of the payment like, any payment approved for, you know, not receiving invoices paid or anything like that. But let me have a look at your account and see if There might be enough. So so what happens is the ATO the ATO basically so the ATO under a compassionate claim will only pay money out for very specific requirements, so very specific claim claim requirements. And those claims are basically, you know, to pay a funeral for for yourself or for someone, you know, a dependent, to pay some medical bills for yourself or a dependent, to assist with any form of you know, you're about to lose your house, any any unpaid, you know, house orientated bills. So it it can come down to rates, stuff like that because rates bills can result in the foreclosure.\n\nIt won't generally help with a business. No. But you can always try and put a claim through for the business and see whether they will allow it, but not generally. No. You can always try it, though, and I can send you the information on how to do it because it's a it's a it's an application with the ATO.\n\nIt's not with the super fund. It's the ATO that actually approved this. Income. Yeah. Yeah.\n\nAnd running the truck is hard because it takes money to run the truck. It's not just, you know, being able to get in and do it. Yeah. Definitely. So do you want me to send the email on, like, how to apply with the ATO to see how that goes?\n\nNo. Like, they don't generally get They don't generally get approved, but you can always throw it at the wall and see whether it sticks. The a the ATO has well, the government as a whole is have very much secured things probably over the last decade. They're not really accepting any kind of claims that don't specifically meet the requirements that are supposed to be met. Yeah.\n\nYeah. Very, very much easy easier back then, but, no, over the last probably decade or two, they've they've definitely tightened things up. It's not that they don't care, but they've just restricted and and tightened things up because the whole point in the superannuation fund is to make sure that there's money preserved for retirement. I'll send the email through to you. Possibly.\n\nYes. It it it is very much gonna be a bit of a a waste of time trying. Have you like, possibly, as bad as it as it is, credit cards or maybe going instead of, like, self employed, going and becoming, like, an employee again? Yeah. Which I'll send you the email.\n\nAnd if you run into any issues when you're doing the application, because the application's all online with myGov, give me a call, and we can talk we can step it through. But, yeah, it's you you're gonna have to sort of put forward the bleeding heart scenario. So you you're definitely gonna have to sort of amp it up in terms of all of the the issues and struggles when you have the opportunity to three types in the application. I have, with lawyers, heard of people that are getting getting payments, but they also had to pay a lawyer. Pretty much.\n\nYeah. And other than that, yeah, possibly just going employee, and that way you you're earning an income to be able to pay off the truck loan and have money coming in. Yeah. Yeah. They don't pay.\n\nK. Alright. I'll get that through to you now. That's okay, Aaron. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.76,"end":4.24,"sentiment":"neutral","sentiment_score":0.12470962107181548},{"text":"Aaron Larissa from OC Financial.","start":4.24,"end":6.08,"sentiment":"neutral","sentiment_score":0.2896348685026169},{"text":"How are you going?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2405712753534317},{"text":"That's good.","start":8.559999,"end":9.2,"sentiment":"positive","sentiment_score":0.515225350856781},{"text":"Sorry about before I called, and it wasn't dialing out.","start":9.2,"end":11.759999,"sentiment":"neutral","sentiment_score":-0.23114531636238098}],"sentiment":"neutral","sentiment_score":0.05700757286765359,"num_words":22,"start":3.76,"end":11.759999},{"sentences":[{"text":"So I've hung up and sorry about 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lot.","start":190.81999,"end":192.52,"sentiment":"negative","sentiment_score":-0.5645934790372849},{"text":"Okay.","start":193.62,"end":194.12,"sentiment":"neutral","sentiment_score":-0.13693907856941223},{"text":"So it is a financial it is financial hardship, but financial hardship under a super fund is only if you've been receiving Centrelink for up to twenty six weeks.","start":198.75499,"end":218.39,"sentiment":"neutral","sentiment_score":-0.21347879926706181},{"text":"Yeah.","start":220.69,"end":221.09,"sentiment":"neutral","sentiment_score":-0.0676354318857193}],"sentiment":"neutral","sentiment_score":-0.2788953216746449,"num_words":40,"start":190.58,"end":221.09},{"sentences":[{"text":"So financial hardship, we can only apply for if you meet the requirement of continuous Centrelink payments.","start":221.09,"end":230.185,"sentiment":"neutral","sentiment_score":-0.13228289607693167},{"text":"But I'm quite sure so last time you spoke with Amy, you discussed Compassionate Ground, which is through the APO.","start":230.405,"end":249.32,"sentiment":"neutral","sentiment_score":0.07777189817279577},{"text":"Yeah.","start":249.32,"end":249.82,"sentiment":"neutral","sentiment_score":0.014572126790881155},{"text":"The APO claims based on very specific requirements.","start":250.14667,"end":257.015,"sentiment":"neutral","sentiment_score":-0.05502347508445382},{"text":"It's gonna be a hard push, but it could be possible that you may be able to receive a payment.","start":258.195,"end":263.895,"sentiment":"neutral","sentiment_score":-0.03483618181198835}],"sentiment":"neutral","sentiment_score":-0.027510766363279385,"num_words":66,"start":221.09,"end":263.895},{"sentences":[{"text":"But I don't generally see any of the payment like, any payment approved for, you know, not receiving invoices paid or anything like that.","start":264.595,"end":275.5,"sentiment":"neutral","sentiment_score":-0.23899720360835394},{"text":"But let me have a look at your account and see if There might be enough.","start":276.59998,"end":283.18,"sentiment":"neutral","sentiment_score":-0.058633786626160145},{"text":"So so what happens is the ATO the ATO basically so the ATO under a compassionate claim will only pay money out for very specific requirements, so very specific claim claim requirements.","start":289.735,"end":305.95,"sentiment":"neutral","sentiment_score":-0.06258205004269257},{"text":"And those claims are basically, you know, to pay a funeral for for yourself or for someone, you know, a dependent, to pay some medical bills for yourself or a dependent, to assist with any form of you know, you're about to lose your house, any any unpaid, you know, house orientated bills.","start":305.95,"end":328.99002,"sentiment":"neutral","sentiment_score":-0.09310072737763513},{"text":"So it it can come down to rates, stuff like that because rates bills can result in the foreclosure.","start":328.99002,"end":335.17,"sentiment":"neutral","sentiment_score":-0.11191615756405027}],"sentiment":"neutral","sentiment_score":-0.10928780985220025,"num_words":144,"start":264.595,"end":335.17},{"sentences":[{"text":"It won't generally help with a business.","start":336.67,"end":338.75,"sentiment":"neutral","sentiment_score":-0.33141722849437166},{"text":"No.","start":338.75,"end":339.25,"sentiment":"neutral","sentiment_score":-0.23220205307006836},{"text":"But you can always try and put a claim through for the business and see whether they will allow it, but not generally.","start":339.595,"end":348.975,"sentiment":"neutral","sentiment_score":-0.2360090179287869},{"text":"No.","start":349.275,"end":349.775,"sentiment":"neutral","sentiment_score":-0.22110578417778015},{"text":"You can always try it, though, and I can send you the information on how to do it because it's a it's a it's an application with the ATO.","start":352.73,"end":358.17,"sentiment":"neutral","sentiment_score":0.18106445849969469}],"sentiment":"neutral","sentiment_score":-0.048369943484908244,"num_words":61,"start":336.67,"end":358.17},{"sentences":[{"text":"It's not with the super fund.","start":358.17,"end":359.29,"sentiment":"neutral","sentiment_score":-0.07562251823643844},{"text":"It's the ATO that actually approved this.","start":359.29,"end":361.31,"sentiment":"neutral","sentiment_score":0.024458026912595545},{"text":"Income.","start":369.285,"end":369.785,"sentiment":"neutral","sentiment_score":-0.20031966269016263},{"text":"Yeah.","start":370.485,"end":370.985,"sentiment":"neutral","sentiment_score":-0.15875358879566193},{"text":"Yeah.","start":375.525,"end":376.025,"sentiment":"neutral","sentiment_score":-0.18772253394126892}],"sentiment":"neutral","sentiment_score":-0.051832794153597206,"num_words":16,"start":358.17,"end":376.025},{"sentences":[{"text":"And running the truck is hard because it takes money to run the truck.","start":377.205,"end":380.38,"sentiment":"negative","sentiment_score":-0.4275966627257211},{"text":"It's not just, you know, being able to get in and do it.","start":380.38,"end":382.8,"sentiment":"neutral","sentiment_score":-0.12107268033119348},{"text":"Yeah.","start":384.3,"end":384.8,"sentiment":"neutral","sentiment_score":0.15129566192626953},{"text":"Definitely.","start":385.42,"end":385.92,"sentiment":"neutral","sentiment_score":0.2395716607570648},{"text":"So do you want me to send the email on, like, how to apply with the ATO to see how that goes?","start":388.78,"end":401.625,"sentiment":"neutral","sentiment_score":0.08500502275472338}],"sentiment":"neutral","sentiment_score":-0.10390824116036004,"num_words":51,"start":377.205,"end":401.625},{"sentences":[{"text":"No.","start":402.805,"end":403.20502,"sentiment":"neutral","sentiment_score":-0.18023832142353055},{"text":"Like, they don't generally get They don't generally get approved, but you can always throw it at the wall and see whether it sticks.","start":403.20502,"end":411.13,"sentiment":"neutral","sentiment_score":-0.2115615572159489},{"text":"The a the ATO has well, the government as a whole is have very much secured things probably over the last decade.","start":418.55002,"end":426.08502,"sentiment":"neutral","sentiment_score":-0.14898117089813406},{"text":"They're not really accepting any kind of claims that don't specifically meet the requirements that are supposed to be met.","start":426.545,"end":432.565,"sentiment":"negative","sentiment_score":-0.4261415466666222},{"text":"Yeah.","start":443.93,"end":444.41,"sentiment":"neutral","sentiment_score":-0.05140519142150879}],"sentiment":"neutral","sentiment_score":-0.25161084675175305,"num_words":68,"start":402.805,"end":444.41},{"sentences":[{"text":"Yeah.","start":444.41,"end":444.72998,"sentiment":"neutral","sentiment_score":-0.08732761442661285},{"text":"Very, very much easy easier back then, but, no, over the last probably decade or two, they've they've definitely tightened things up.","start":444.72998,"end":451.915,"sentiment":"neutral","sentiment_score":-0.2745550671084361},{"text":"It's not that they don't care, but they've just restricted and and tightened things up because the whole point in the superannuation fund is to make sure that there's money preserved for retirement.","start":457.655,"end":467.44,"sentiment":"neutral","sentiment_score":-0.19197022384314827},{"text":"I'll send the email through to you.","start":476.985,"end":478.76498,"sentiment":"neutral","sentiment_score":0.052393625889505656},{"text":"Possibly.","start":480.82498,"end":481.32498,"sentiment":"neutral","sentiment_score":-0.03860277682542801}],"sentiment":"neutral","sentiment_score":-0.18960006051929668,"num_words":64,"start":444.41,"end":481.32498},{"sentences":[{"text":"Yes.","start":481.38498,"end":481.625,"sentiment":"neutral","sentiment_score":-0.09666101634502412},{"text":"It it it is very much gonna be a bit of a a waste of time trying.","start":481.625,"end":485.16498,"sentiment":"negative","sentiment_score":-0.631383445333032},{"text":"Have you like, possibly, as bad as it as it is, credit cards or maybe going instead of, like, self employed, going and becoming, like, an employee again?","start":486.10498,"end":499.31,"sentiment":"negative","sentiment_score":-0.3578947495136942},{"text":"Yeah.","start":502.585,"end":503.085,"sentiment":"neutral","sentiment_score":-0.028777947649359703},{"text":"Which I'll send you the email.","start":507.22498,"end":527.555,"sentiment":"neutral","sentiment_score":0.051721048851807915}],"sentiment":"negative","sentiment_score":-0.38810724958355697,"num_words":53,"start":481.38498,"end":527.555},{"sentences":[{"text":"And if you run into any issues when you're doing the application, because the application's all online with myGov, give me a call, and we can talk we can step it through.","start":527.855,"end":538.435,"sentiment":"neutral","sentiment_score":0.02319259970681742},{"text":"But, yeah, it's you you're gonna have to sort of put forward the bleeding heart scenario.","start":539.74,"end":544.32,"sentiment":"neutral","sentiment_score":-0.13778516370803118},{"text":"So you you're definitely gonna have to sort of amp it up in terms of all of the the issues and struggles when you have the opportunity to three types in the application.","start":544.54004,"end":554.16003,"sentiment":"neutral","sentiment_score":-0.30400443031932367},{"text":"I have, with lawyers, heard of people that are getting getting payments, but they also had to pay a lawyer.","start":564.075,"end":570.36,"sentiment":"neutral","sentiment_score":-0.2352311760187149},{"text":"Pretty 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Good. Good. Yeah. You're gonna miscall me, sir. I just rang it back and you rang it rang it at the same time. Yeah. Too bad. Are you the one who spoke to you a while ago? That's a hardship? I can't I can't find the email. You said you have a guy who's getting there. Aaron Paul Bench, nineteen to the third seventy two eight slash twenty nine South Street, Newport three zero one five. Alrighty. Well, well, I'll I'll look at that truck. I don't think I've been doing a lot for the last nine, ten years. I had a bit of money in the bank, and I changed over. So I'm back off, you know, a bit of work with him, and it just all went downhill. Wasn't paying me. Started using my savings to keep the truck going. So I had to leave him. I decided to leave him, like, two weeks ago, and I've just got nothing now. Nothing at all. We've just moved up everything I've got. I've I've I've got it, but the way he paid me is just I've got up to $80 he owed me. And then he was just paying me a thousand thousand thousand. I said, look. I need $15. Well, my invoices are normally about 8 to $12 a week. And I said, I need the whole invoice paid. None of these dribs and drabs. It just kept me going just enough to keep me there. It was all part of his strategy. When when when I want the money, he didn't have it. But if the rego was due, he'd had the money straight away. So just to keep me going. And I've, you know, had a couple of big bills. I couldn't pay them because he's only giving me a thousand or 1,500 every Monday instead of, you know, a lot. Yep. Okay. Done? Yeah. Yes. Yeah. That didn't help me the way you find me. Yeah. Now it's a big deal set. Did they come on the hardship, not getting money to the business or what? What is it? I haven't found that last phone. Yep. Oh, yeah. Yep. Mhmm. So what what do you what what does he say? What's the Monogasia ACR? Alright. Yep. But why I help you with the business. I am. Yep. Alright. Yeah. Because I can't even get a loan or nothing because there's no continuous six weeks of six months of continuous payments. You know? Hey. Don't this this stuff ain't up every which way you can think of. Well, six thousand bucks a day. Thank you. Yeah. I might I was gonna go, but then it doesn't sound too promising. So they're not even hotter in the last few weeks. Have they? Alright. Yeah. Still, I thought I thought I was about, you know, '19 or 20. Easy. I was lazy. Just put it for me, and I got money, yeah, a couple of weeks later. So what? They just let you go bankrupt or whatever. They don't care now. I might make it now. K. I'm not sure if I pay the truck line or what. Yeah. Well, that way, I'll send that email to you. Alright. Let's do it. Okay. Yep. Yeah. Have you heard of anyone ever getting it, though, besides the normal criteria, like, with a good story or, you know yeah. Yeah. There's half your money going already. Yep. Alright. He sent us through. I'll see what hell okay. Yeah. We're gonna go ahead and occupy the truck line. Alright. Alright. We'll give you the guy. Alright. 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Good. Good. Yeah. You're gonna miscall me, sir.\n\nI just rang it back and you rang it rang it at the same time. Yeah. Too bad. Are you the one who spoke to you a while ago? That's a hardship?\n\nI can't I can't find the email. You said you have a guy who's getting there. Aaron Paul Bench, nineteen to the third seventy two eight slash twenty nine South Street, Newport three zero one five. Alrighty. Well, well, I'll I'll look at that truck.\n\nI don't think I've been doing a lot for the last nine, ten years. I had a bit of money in the bank, and I changed over. So I'm back off, you know, a bit of work with him, and it just all went downhill. Wasn't paying me. Started using my savings to keep the truck going.\n\nSo I had to leave him. I decided to leave him, like, two weeks ago, and I've just got nothing now. Nothing at all. We've just moved up everything I've got. 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So what what do you what what does he say?\n\nWhat's the Monogasia ACR? Alright. Yep. But why I help you with the business. I am.\n\nYep. Alright. Yeah. Because I can't even get a loan or nothing because there's no continuous six weeks of six months of continuous payments. You know?\n\nHey. Don't this this stuff ain't up every which way you can think of. Well, six thousand bucks a day. Thank you. Yeah.\n\nI might I was gonna go, but then it doesn't sound too promising. So they're not even hotter in the last few weeks. Have they? Alright. Yeah.\n\nStill, I thought I thought I was about, you know, '19 or 20. Easy. I was lazy. Just put it for me, and I got money, yeah, a couple of weeks later. So what?\n\nThey just let you go bankrupt or whatever. They don't care now. I might make it now. K. I'm not sure if I pay the truck line or what.\n\nYeah. Well, that way, I'll send that email to you. Alright. Let's do it. Okay.\n\nYep. Yeah. Have you heard of anyone ever getting it, though, besides the normal criteria, like, with a good story or, you know yeah. Yeah. There's half your money going already.\n\nYep. Alright. He sent us through. I'll see what hell okay. Yeah.\n\nWe're gonna go ahead and occupy the truck line. Alright. Alright. We'll give you the guy. 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invoice paid.","start":147.96,"end":149.56,"sentiment":"neutral","sentiment_score":-0.1201874232954449}],"sentiment":"neutral","sentiment_score":-0.1384185520378319,"num_words":37,"start":139.495,"end":149.56},{"sentences":[{"text":"None of these dribs and drabs.","start":149.56,"end":150.76,"sentiment":"negative","sentiment_score":-0.3955602248509725},{"text":"It just kept me going just enough to keep me there.","start":150.76,"end":153.26,"sentiment":"neutral","sentiment_score":-0.33273322744802997},{"text":"It was all part of his strategy.","start":154.28,"end":155.82,"sentiment":"neutral","sentiment_score":-0.035685163523469655},{"text":"When when when I want the money, he didn't have it.","start":155.88,"end":158.10501,"sentiment":"neutral","sentiment_score":-0.127823068337007},{"text":"But if the rego was due, he'd had the money straight 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lot.","start":167.145,"end":171.80501,"sentiment":"negative","sentiment_score":-0.3491877658026559},{"text":"Yep.","start":176.4,"end":176.9,"sentiment":"neutral","sentiment_score":-0.060088422149419785},{"text":"Okay.","start":179.44,"end":179.84,"sentiment":"neutral","sentiment_score":-0.038852617144584656}],"sentiment":"neutral","sentiment_score":-0.2446343200520063,"num_words":39,"start":160.82501,"end":179.84},{"sentences":[{"text":"Done?","start":179.84,"end":180.34,"sentiment":"neutral","sentiment_score":-0.04669029638171196},{"text":"Yeah.","start":183.52,"end":183.92,"sentiment":"neutral","sentiment_score":-0.06828153133392334},{"text":"Yes.","start":183.92,"end":184.4,"sentiment":"neutral","sentiment_score":-0.060415010899305344},{"text":"Yeah.","start":184.4,"end":184.9,"sentiment":"neutral","sentiment_score":-0.1726592481136322},{"text":"That didn't help me the way you find me.","start":185.955,"end":187.815,"sentiment":"negative","sentiment_score":-0.472799367374844}],"sentiment":"negative","sentiment_score":-0.354095414854013,"num_words":13,"start":179.84,"end":187.815},{"sentences":[{"text":"Yeah.","start":190.435,"end":190.935,"sentiment":"neutral","sentiment_score":-0.2100788056850433},{"text":"Now it's a big deal set.","start":191.155,"end":192.69499,"sentiment":"negative","sentiment_score":-0.5570319493611654},{"text":"Did they come on the hardship, not getting money to the business or what?","start":203.94,"end":209.08,"sentiment":"neutral","sentiment_score":-0.2570705514933382},{"text":"What is it?","start":219.215,"end":220.11499,"sentiment":"neutral","sentiment_score":-0.07960695028305054},{"text":"I haven't found that last phone.","start":227.295,"end":228.995,"sentiment":"neutral","sentiment_score":-0.1663671483596166}],"sentiment":"neutral","sentiment_score":-0.2796093987921874,"num_words":30,"start":190.435,"end":228.995},{"sentences":[{"text":"Yep.","start":239.19,"end":239.27,"sentiment":"neutral","sentiment_score":0.013920342549681664},{"text":"Oh, yeah.","start":239.27,"end":240.33,"sentiment":"neutral","sentiment_score":0.02728989627212286},{"text":"Yep.","start":240.79,"end":241.29,"sentiment":"neutral","sentiment_score":0.02572700008749962},{"text":"Mhmm.","start":282.885,"end":283.385,"sentiment":"neutral","sentiment_score":-0.05498802289366722},{"text":"So what what do you what what does he say?","start":284.165,"end":286.565,"sentiment":"neutral","sentiment_score":-0.10770436525344848}],"sentiment":"neutral","sentiment_score":-0.06918696934978168,"num_words":15,"start":239.19,"end":286.565},{"sentences":[{"text":"What's the Monogasia ACR?","start":286.565,"end":298.74,"sentiment":"neutral","sentiment_score":-0.04512911010533571},{"text":"Alright.","start":306.445,"end":306.945,"sentiment":"neutral","sentiment_score":-0.05387033522129059},{"text":"Yep.","start":329.445,"end":329.945,"sentiment":"neutral","sentiment_score":-0.02254515700042248},{"text":"But why I help you with the business.","start":333.68503,"end":335.625,"sentiment":"neutral","sentiment_score":-0.22977977246046066},{"text":"I am.","start":351.5,"end":352.16,"sentiment":"neutral","sentiment_score":-0.18504787981510162}],"sentiment":"neutral","sentiment_score":-0.15407911699730903,"num_words":16,"start":286.565,"end":352.16},{"sentences":[{"text":"Yep.","start":362.205,"end":362.365,"sentiment":"neutral","sentiment_score":0.036663979291915894},{"text":"Alright.","start":362.365,"end":362.865,"sentiment":"neutral","sentiment_score":0.043598320335149765},{"text":"Yeah.","start":363.325,"end":363.485,"sentiment":"neutral","sentiment_score":-0.030601322650909424},{"text":"Because I can't even get a loan or nothing because there's no continuous six weeks of six months of continuous payments.","start":363.485,"end":369.46,"sentiment":"negative","sentiment_score":-0.3418482471080053},{"text":"You know?","start":369.46,"end":370.04,"sentiment":"neutral","sentiment_score":-0.15862400829792023}],"sentiment":"neutral","sentiment_score":-0.2864000088033768,"num_words":26,"start":362.205,"end":370.04},{"sentences":[{"text":"Hey.","start":371.62,"end":371.69998,"sentiment":"neutral","sentiment_score":-0.2274433970451355},{"text":"Don't this this stuff ain't up every which way you can think of.","start":371.69998,"end":374.84,"sentiment":"negative","sentiment_score":-0.42160322115971494},{"text":"Well, six thousand bucks a day.","start":380.66,"end":382.5,"sentiment":"neutral","sentiment_score":-0.10482323418060939},{"text":"Thank you.","start":382.5,"end":383.32,"sentiment":"positive","sentiment_score":0.3851373791694641},{"text":"Yeah.","start":398.12,"end":398.59998,"sentiment":"neutral","sentiment_score":-0.020762747153639793}],"sentiment":"neutral","sentiment_score":-0.24294402895738249,"num_words":23,"start":371.62,"end":398.59998},{"sentences":[{"text":"I might I was gonna go, but then it doesn't sound too promising.","start":398.59998,"end":401.34,"sentiment":"neutral","sentiment_score":-0.11286902198424706},{"text":"So they're not even hotter in the last few weeks.","start":414.095,"end":416.175,"sentiment":"negative","sentiment_score":-0.33922412395477297},{"text":"Have they?","start":416.175,"end":422.115,"sentiment":"neutral","sentiment_score":-0.10938767343759537},{"text":"Alright.","start":434.52,"end":435.0,"sentiment":"neutral","sentiment_score":-0.05319644510746002},{"text":"Yeah.","start":435.0,"end":435.5,"sentiment":"neutral","sentiment_score":-0.05112611502408981}],"sentiment":"neutral","sentiment_score":-0.19194949749443266,"num_words":27,"start":398.59998,"end":435.5},{"sentences":[{"text":"Still, I thought I thought I was about, you know, '19 or 20.","start":435.56,"end":438.46,"sentiment":"neutral","sentiment_score":-0.12377332322872601},{"text":"Easy.","start":438.6,"end":438.84,"sentiment":"neutral","sentiment_score":-0.1398385465145111},{"text":"I was lazy.","start":438.84,"end":439.4,"sentiment":"negative","sentiment_score":-0.41689573725064594},{"text":"Just put it for me, and I got money, yeah, a couple of weeks later.","start":439.4,"end":452.845,"sentiment":"neutral","sentiment_score":-0.128555129468441},{"text":"So what?","start":452.845,"end":453.245,"sentiment":"neutral","sentiment_score":-0.3120162785053253}],"sentiment":"neutral","sentiment_score":-0.1632923076257986,"num_words":34,"start":435.56,"end":453.245},{"sentences":[{"text":"They just let you go bankrupt or whatever.","start":453.245,"end":455.265,"sentiment":"negative","sentiment_score":-0.5301425382494926},{"text":"They don't care now.","start":455.325,"end":456.3,"sentiment":"negative","sentiment_score":-0.40789634734392166},{"text":"I might make it now.","start":469.41998,"end":470.72,"sentiment":"neutral","sentiment_score":0.08261849284172058},{"text":"K.","start":500.87003,"end":501.345,"sentiment":"neutral","sentiment_score":-0.10873106867074966},{"text":"I'm not sure if I pay the truck line or what.","start":501.585,"end":503.605,"sentiment":"neutral","sentiment_score":-0.0914327608929439}],"sentiment":"neutral","sentiment_score":-0.2266939541260744,"num_words":29,"start":453.245,"end":503.605},{"sentences":[{"text":"Yeah.","start":506.705,"end":507.185,"sentiment":"neutral","sentiment_score":0.018337255343794823},{"text":"Well, that way, I'll send that email to you.","start":507.185,"end":509.205,"sentiment":"neutral","sentiment_score":0.05037681137522062},{"text":"Alright.","start":525.85,"end":526.35,"sentiment":"neutral","sentiment_score":0.08063271641731262},{"text":"Let's do it.","start":526.41,"end":526.97,"sentiment":"neutral","sentiment_score":0.0695496400197347},{"text":"Okay.","start":526.97,"end":527.47,"sentiment":"neutral","sentiment_score":0.03389665484428406}],"sentiment":"neutral","sentiment_score":0.05299378993610541,"num_words":15,"start":506.705,"end":527.47},{"sentences":[{"text":"Yep.","start":531.325,"end":531.825,"sentiment":"neutral","sentiment_score":0.02010626718401909},{"text":"Yeah.","start":542.7,"end":543.2,"sentiment":"neutral","sentiment_score":-0.14798298478126526},{"text":"Have you heard of anyone ever getting it, though, besides the normal criteria, like, with a good story or, you know yeah.","start":555.26,"end":570.815,"sentiment":"neutral","sentiment_score":-0.17212387140501628},{"text":"Yeah.","start":571.035,"end":571.195,"sentiment":"neutral","sentiment_score":-0.21061141788959503},{"text":"There's half your money going already.","start":571.195,"end":572.975,"sentiment":"neutral","sentiment_score":-0.32767027119795483}],"sentiment":"neutral","sentiment_score":-0.19649144947048156,"num_words":31,"start":531.325,"end":572.975},{"sentences":[{"text":"Yep.","start":575.13,"end":575.63,"sentiment":"neutral","sentiment_score":0.038822852075099945},{"text":"Alright.","start":577.77,"end":578.27,"sentiment":"neutral","sentiment_score":0.13491368293762207},{"text":"He sent us through.","start":578.33,"end":579.29004,"sentiment":"neutral","sentiment_score":0.14423396810889244},{"text":"I'll see what hell okay.","start":579.29004,"end":580.59,"sentiment":"neutral","sentiment_score":0.08315677791833878},{"text":"Yeah.","start":593.84503,"end":594.16504,"sentiment":"neutral","sentiment_score":0.12926363945007324}],"sentiment":"neutral","sentiment_score":0.10797666137417157,"num_words":12,"start":575.13,"end":594.16504},{"sentences":[{"text":"We're gonna go ahead and occupy the truck line.","start":594.16504,"end":596.505,"sentiment":"neutral","sentiment_score":0.1254153831137551},{"text":"Alright.","start":599.36505,"end":599.86505,"sentiment":"neutral","sentiment_score":0.07504966855049133},{"text":"Alright.","start":600.16504,"end":600.48505,"sentiment":"neutral","sentiment_score":-0.0123734874650836},{"text":"We'll give you the guy.","start":600.48505,"end":601.625,"sentiment":"neutral","sentiment_score":-0.2668712705373764},{"text":"Alright.","start":604.99286,"end":605.31287,"sentiment":"neutral","sentiment_score":0.25815731287002563}],"sentiment":"neutral","sentiment_score":0.006777387605432202,"num_words":17,"start":594.16504,"end":605.31287},{"sentences":[{"text":"Thank you.","start":605.31287,"end":606.05286,"sentiment":"positive","sentiment_score":0.7100482881069183}],"sentiment":"positive","sentiment_score":0.7100482881069183,"num_words":2,"start":605.31287,"end":606.05286}]}}]}],"paragraphs":{"transcript":"\nChannel 1: What?\n\nChannel 0: Hi. Aaron\n\nChannel 1: Good.\n\nChannel 0: Larissa from OC Financial. How are you going?\n\nChannel 1: Good.\n\nChannel 0: That's good. Sorry about before I called, and it wasn't dialing out. So\n\nChannel 1: Yeah.\n\nChannel 0: I've\n\nChannel 1: You're gonna\n\nChannel 0: hung up\n\nChannel 1: miscall\n\nChannel 0: and\n\nChannel 1: me, sir. I just rang it back and you rang it rang it at the same time.\n\nChannel 0: sorry\n\nChannel 1: Yeah.\n\nChannel 0: about that. Yeah. It it wasn't dialing out. I was like, that's weird. Hang up and start again.\n\nAnyway, how are you going?\n\nChannel 1: Too bad.\n\nChannel 0: Oh,\n\nChannel 1: Are you the\n\nChannel 0: that's\n\nChannel 1: one\n\nChannel 0: good.\n\nChannel 1: who spoke to you a while ago? That's a hardship?\n\nChannel 0: Possibly. I honestly jumped out of my meeting, and Jack flagged me, and I just jumped straight on the phone to you.\n\nChannel 1: I can't I can't find the email. You said you have a guy who's getting there.\n\nChannel 0: That's okay. I can resend it. So can you while I'm looking up in in our system everything, I guess I need to go through things properly and just let you know our calls are recorded. And if I could just get you confirmed security its full name, date of birth, and address?\n\nChannel 1: Aaron Paul Bench, nineteen to the third seventy two eight slash twenty nine South Street, Newport three zero one five.\n\nChannel 0: Perfect. Okay. So I know that yeah. About nine maybe nine months ago, so we sent out forms, and I believe you actually spoke with Amy at the time.\n\nChannel 1: Alrighty.\n\nChannel 0: Now with with regards to where you're at, what's I guess, what's going on so I can make sure that I send you out the right right forms and and that you get everything properly.\n\nChannel 1: Well, well, I'll I'll look at that truck. I don't think I've been doing a lot for the last nine, ten years. I had a bit of money in the bank, and\n\nChannel 0: Yeah.\n\nChannel 1: I changed over. So I'm back off, you know, a bit of work with him, and it just all went downhill.\n\nChannel 0: Yeah.\n\nChannel 1: Wasn't paying me. Started using my savings to keep the truck going. So I had to leave him. I decided to leave him, like, two weeks ago, and I've just got nothing now.\n\nChannel 0: Right. There's\n\nChannel 1: Nothing\n\nChannel 0: no\n\nChannel 1: at\n\nChannel 0: income.\n\nChannel 1: all. We've just moved up everything I've got.\n\nChannel 0: Yeah. Okay. Have you, like, reported him and, like, like, tried to get the income?\n\nChannel 1: I've I've I've got it, but the way he paid me is just I've got up to $80 he owed me.\n\nChannel 0: Yep.\n\nChannel 1: And then he was just paying me a thousand thousand thousand. I said, look. I need $15. Well, my invoices are normally about 8 to $12 a week. And\n\nChannel 0: Yeah.\n\nChannel 1: I said, I need the whole invoice paid. None of these dribs and drabs. It just kept me going just enough to keep me there.\n\nChannel 0: Yeah.\n\nChannel 1: It was all part of his strategy. When when when I want the money, he didn't have it. But if the rego was due, he'd had the money straight away. So just to keep me going.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: He\n\nChannel 1: I've,\n\nChannel 0: just\n\nChannel 1: you\n\nChannel 0: want\n\nChannel 1: know,\n\nChannel 0: you\n\nChannel 1: had\n\nChannel 0: wanted his\n\nChannel 1: a couple\n\nChannel 0: work paid?\n\nChannel 1: of big bills. I couldn't pay them because he's only giving me a thousand or 1,500 every Monday instead of, you know, a lot.\n\nChannel 0: Short to pay everything. So he has\n\nChannel 1: Yep.\n\nChannel 0: he has paid through everything now?\n\nChannel 1: Okay. Done?\n\nChannel 0: Has he paid out every invoice now?\n\nChannel 1: Yeah. Yes. Yeah. That didn't help me the way you find me.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. It just left\n\nChannel 1: Now\n\nChannel 0: you\n\nChannel 1: it's\n\nChannel 0: in lurch\n\nChannel 1: a big\n\nChannel 0: a lot.\n\nChannel 1: deal set.\n\nChannel 0: Okay. So\n\nChannel 1: Did they come on the hardship, not getting money to the business\n\nChannel 0: it is\n\nChannel 1: or\n\nChannel 0: a\n\nChannel 1: what?\n\nChannel 0: financial it is financial hardship, but financial hardship under a super fund is only if you've been receiving Centrelink for up to twenty six weeks.\n\nChannel 1: What is it?\n\nChannel 0: Yeah. So financial hardship, we can only apply for if you meet the requirement of continuous Centrelink\n\nChannel 1: I haven't found that last phone.\n\nChannel 0: payments. But I'm quite sure so last time you spoke with Amy, you discussed Compassionate Ground, which is through the\n\nChannel 1: Yep. Oh, yeah. Yep.\n\nChannel 0: APO. Yeah. The APO claims based on very specific requirements. It's gonna be a hard push, but it could be possible that you may be able to receive a payment. But I don't generally see any of the payment like, any payment approved for, you know, not receiving invoices paid or anything like that.\n\nBut let me have a look at your account and see if There might be enough.\n\nChannel 1: Mhmm. So what what do you what what does he say? What's the Monogasia\n\nChannel 0: So so what happens is the ATO the ATO basically so the ATO under a compassionate claim\n\nChannel 1: ACR?\n\nChannel 0: will only pay money out for very specific requirements, so very specific claim claim requirements. And those claims\n\nChannel 1: Alright.\n\nChannel 0: are basically, you know, to pay a funeral for for yourself or for someone, you know, a dependent, to pay some medical bills for yourself or a dependent, to assist with any form of you know, you're about to lose your house, any any unpaid, you know, house orientated bills. So it\n\nChannel 1: Yep.\n\nChannel 0: it can come down to rates, stuff like that because rates bills can\n\nChannel 1: But why\n\nChannel 0: result\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: help\n\nChannel 0: the\n\nChannel 1: you\n\nChannel 0: foreclosure.\n\nChannel 1: with the business.\n\nChannel 0: It won't generally help with a business. No. But you can always try and put a claim through for the business and see whether they will allow it, but not generally. No.\n\nChannel 1: I am.\n\nChannel 0: You can always try it, though, and I can send you the information on how to do it because it's a it's a it's an application with the ATO. It's not with the super fund. It's the ATO that actually approved this.\n\nChannel 1: Yep. Alright. Yeah. Because I can't even get a loan or nothing because there's no continuous six weeks of six months of continuous payments.\n\nChannel 0: Income.\n\nChannel 1: You know?\n\nChannel 0: Yeah.\n\nChannel 1: Hey. Don't this this stuff ain't up every which way you can think of.\n\nChannel 0: Yeah. And running the truck is hard because it takes money to run the truck. It's not just,\n\nChannel 1: Well,\n\nChannel 0: you know, being\n\nChannel 1: six\n\nChannel 0: able to\n\nChannel 1: thousand\n\nChannel 0: get in\n\nChannel 1: bucks\n\nChannel 0: and\n\nChannel 1: a\n\nChannel 0: do\n\nChannel 1: day.\n\nChannel 0: it.\n\nChannel 1: Thank you.\n\nChannel 0: Yeah. Definitely. So do you want me to send the email on, like, how to apply with the ATO to see how that\n\nChannel 1: Yeah. I might I was gonna go, but then it doesn't sound too promising.\n\nChannel 0: goes? No. Like, they don't generally get They don't generally get approved, but you can always throw it at the wall and see whether it sticks.\n\nChannel 1: So they're not even hotter in the last few weeks. Have\n\nChannel 0: The a the ATO has well, the government\n\nChannel 1: they?\n\nChannel 0: as a whole is have very much secured things probably over the last decade. They're not really accepting any kind of claims that don't specifically meet the requirements that are supposed to be met.\n\nChannel 1: Alright. Yeah. Still, I thought I thought I was about, you know, '19 or 20. Easy. I was lazy.\n\nJust put it for me, and I got money, yeah, a\n\nChannel 0: Yeah.\n\nChannel 1: couple\n\nChannel 0: Yeah. Very, very much easy easier back\n\nChannel 1: of\n\nChannel 0: then, but, no, over the last probably decade or\n\nChannel 1: weeks\n\nChannel 0: two, they've they've definitely tightened things up.\n\nChannel 1: later. So what? They just let you go bankrupt or whatever. They don't care now.\n\nChannel 0: It's not that they don't care, but they've just restricted and and tightened things up because the whole point in the superannuation fund is to make sure that there's money preserved for retirement.\n\nChannel 1: I might make it now.\n\nChannel 0: I'll send the email through to you. Possibly. Yes. It it it is very much gonna be a bit of a a waste of time trying. Have you like, possibly, as bad as it as it is, credit cards or maybe going instead of, like, self employed, going and becoming, like, an employee again?\n\nChannel 1: K. I'm not sure if I pay the truck\n\nChannel 0: Yeah.\n\nChannel 1: line or what. Yeah. Well,\n\nChannel 0: Which\n\nChannel 1: that way, I'll send that email to you. Alright.\n\nChannel 0: I'll\n\nChannel 1: Let's\n\nChannel 0: send\n\nChannel 1: do\n\nChannel 0: you\n\nChannel 1: it.\n\nChannel 0: the\n\nChannel 1: Okay.\n\nChannel 0: email. And if you run into any issues when you're doing the application, because\n\nChannel 1: Yep.\n\nChannel 0: the application's all online with myGov, give me a call, and we can talk we can step it through. But, yeah, it's you you're gonna have to sort of put\n\nChannel 1: Yeah.\n\nChannel 0: forward the bleeding heart scenario. So you you're definitely gonna have to sort of amp it up in terms of all of the the issues and struggles when you have the opportunity to three types in the application.\n\nChannel 1: Have you heard of anyone ever getting it, though, besides the normal criteria, like, with a good story or, you know\n\nChannel 0: I have, with lawyers, heard of people that are getting getting payments, but they also had to pay a lawyer.\n\nChannel 1: yeah. Yeah. There's half your money going already.\n\nChannel 0: Pretty much.\n\nChannel 1: Yep. Alright. He sent us through. I'll see what hell okay.\n\nChannel 0: Yeah. And other than that, yeah, possibly just going employee, and that way you you're earning an income to be able to pay off the truck loan and have money coming in.\n\nChannel 1: Yeah. We're gonna go ahead and occupy the truck line.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Alright. Alright. We'll give\n\nChannel 0: They\n\nChannel 1: you\n\nChannel 0: don't\n\nChannel 1: the guy.\n\nChannel 0: pay. K. Alright. I'll get that through to you now.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: That's okay, Aaron. Bye.","paragraphs":[{"sentences":[{"text":"What?","start":3.52,"end":4.02,"sentiment":"neutral","sentiment_score":0.021041151136159897}],"sentiment":"neutral","sentiment_score":0.021041151136159897,"channel":1,"num_words":1,"start":3.52,"end":4.02},{"sentences":[{"text":"Hi.","start":3.76,"end":4.24,"sentiment":"neutral","sentiment_score":0.12470962107181548},{"text":"Aaron","start":4.24,"end":4.72,"sentiment":"neutral","sentiment_score":0.23962129652500153}],"sentiment":"neutral","sentiment_score":0.1821654587984085,"channel":0,"num_words":2,"start":3.76,"end":4.72},{"sentences":[{"text":"Good.","start":4.4,"end":4.9,"sentiment":"neutral","sentiment_score":0.2790473997592926}],"sentiment":"neutral","sentiment_score":0.2790473997592926,"channel":1,"num_words":1,"start":4.4,"end":4.9},{"sentences":[{"text":"Larissa from OC Financial.","start":4.72,"end":6.08,"sentiment":"neutral","sentiment_score":0.3021382614970207},{"text":"How are you 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They informed Aaron that they sent out forms and forms, but he did not receive them. The representative also suggested they may be able to receive a payment. Aaron discusses his financial hardship and the agent explains that it is due to a strategy of paying only if he meets certain requirements. The agent explains that rates bills can affect his foreclosure status and suggests submitting a claim for business purposes. He is advised to fill out a credit card application and submit a truck loan claim."},"intents":{"segments":[{"text":"Oh, Are you the that's one good. who spoke to you a while ago? That's a hardship?","start_word":78,"end_word":94,"intents":[{"intent":"Confirm identity","confidence_score":0.39350453},{"intent":"Confirm identity","confidence_score":0.15586221},{"intent":"Describe situation","confidence_score":0.00013185169}]},{"text":"That's a hardship?","start_word":92,"end_word":94,"intents":[{"intent":"Resolve issue","confidence_score":0.033822466}]},{"text":"I can resend it. So can you while I'm looking up in in our system everything, I guess I need to go through things properly and just let you know our calls are recorded.","start_word":135,"end_word":168,"intents":[{"intent":"Resend form","confidence_score":0.025295682}]},{"text":"Wasn't paying me. Started using my savings to keep the truck going. So I had to leave him. I decided to leave him, like, two weeks ago, and I've just got nothing now. Right.","start_word":326,"end_word":359,"intents":[{"intent":"Report financial difficulties","confidence_score":0.07002673}]},{"text":"Have you, like, reported him and, like, like, tried to get the income?","start_word":375,"end_word":387,"intents":[{"intent":"Obtain income","confidence_score":0.00061412255}]},{"text":"So financial hardship, we can only apply for if you meet the requirement of continuous Centrelink I haven't found that last phone. payments.","start_word":643,"end_word":665,"intents":[{"intent":"Apply for a super fund","confidence_score":0.002834077}]},{"text":"You can always try it, though, and I can send you the information on how to do it because it's a it's a it's an application with the ATO. It's not with the super fund. It's the ATO that actually approved this. Yep.","start_word":923,"end_word":965,"intents":[{"intent":"Apply for ato","confidence_score":0.17572163}]}]},"sentiments":{"segments":[{"text":"What? Hi. Aaron Good. Larissa from OC Financial. How are you going?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.23323535919189453},{"text":"Good. That's good.","start_word":12,"end_word":14,"sentiment":"positive","sentiment_score":0.5287062525749207},{"text":"Sorry about before I called, and it wasn't dialing out. So Yeah. I've You're gonna hung up miscall and me, sir. I just rang it back and you rang it rang it at the same time. sorry Yeah. about that. Yeah. It it wasn't dialing out. I was like, that's weird. Hang up and start again. Anyway, how are you going? Too bad. Oh, Are you the that's one good. who spoke to you a while ago?","start_word":15,"end_word":91,"sentiment":"neutral","sentiment_score":-0.14216820895671844},{"text":"That's a hardship?","start_word":92,"end_word":94,"sentiment":"negative","sentiment_score":-0.3807244598865509},{"text":"Possibly. I honestly jumped out of my meeting, and Jack flagged me, and I just jumped straight on the phone to you.","start_word":95,"end_word":116,"sentiment":"neutral","sentiment_score":-0.2904984951019287},{"text":"I can't I can't find the email.","start_word":117,"end_word":123,"sentiment":"negative","sentiment_score":-0.3545432984828949},{"text":"You said you have a guy who's getting there. That's okay. I can resend it. So can you while I'm looking up in in our system everything, I guess I need to go through things properly and just let you know our calls are recorded. And if I could just get you confirmed security its full name, date of birth, and address? Aaron Paul Bench, nineteen to the third seventy two eight slash twenty nine South Street, Newport three zero one five. Perfect. Okay. So I know that yeah. About nine maybe nine months ago, so we sent out forms, and I believe you actually spoke with Amy at the time. Alrighty. Now with with regards to where you're at, what's I guess, what's going on so I can make sure that I send you out the right right forms and and that you get everything properly. Well, well, I'll I'll look at that truck. I don't think I've been doing a lot for the last nine, ten years. I had a bit of money in the bank, and Yeah. I changed over.","start_word":124,"end_word":306,"sentiment":"neutral","sentiment_score":-0.01586868055164814},{"text":"So I'm back off, you know, a bit of work with him, and it just all went downhill.","start_word":307,"end_word":324,"sentiment":"negative","sentiment_score":-0.3466639220714569},{"text":"Yeah.","start_word":325,"end_word":325,"sentiment":"neutral","sentiment_score":-0.30192482471466064},{"text":"Wasn't paying me.","start_word":326,"end_word":328,"sentiment":"negative","sentiment_score":-0.47084182500839233},{"text":"Started using my savings to keep the truck going. So I had to leave him.","start_word":329,"end_word":343,"sentiment":"neutral","sentiment_score":-0.30664512515068054},{"text":"I decided to leave him, like, two weeks ago, and I've just got nothing now.","start_word":344,"end_word":358,"sentiment":"negative","sentiment_score":-0.3389231860637665},{"text":"Right.","start_word":359,"end_word":359,"sentiment":"neutral","sentiment_score":-0.15785884857177734},{"text":"There's Nothing no at income.","start_word":360,"end_word":364,"sentiment":"negative","sentiment_score":-0.33925697207450867},{"text":"all. We've just moved up everything I've got. Yeah. Okay. Have you, like, reported him and, like, like, tried to get the income? I've I've I've got it, but the way he paid me is just I've got up to $80 he owed me. Yep. And then he was just paying me a thousand thousand thousand. I said, look. I need $15. Well, my invoices are normally about 8 to $12 a week. And Yeah. I said, I need the whole invoice paid.","start_word":365,"end_word":447,"sentiment":"neutral","sentiment_score":-0.1387137770652771},{"text":"None of these dribs and drabs.","start_word":448,"end_word":453,"sentiment":"negative","sentiment_score":-0.3985094130039215},{"text":"It just kept me going just enough to keep me there. Yeah. It was all part of his strategy. When when when I want the money, he didn't have it. But if the rego was due, he'd had the money straight away. So just to keep me going. Yeah. And He I've, just you want know, you had wanted his a couple work paid? of big bills.","start_word":454,"end_word":520,"sentiment":"neutral","sentiment_score":-0.1567772775888443},{"text":"I couldn't pay them because he's only giving me a thousand or 1,500 every Monday instead of, you know, a lot.","start_word":521,"end_word":541,"sentiment":"negative","sentiment_score":-0.3520483374595642},{"text":"Short to pay everything. So he has Yep. he has paid through everything now? Okay. Done? Has he paid out every invoice now? Yeah. Yes. Yeah.","start_word":542,"end_word":567,"sentiment":"neutral","sentiment_score":-0.12018554657697678},{"text":"That didn't help me the way you find me.","start_word":568,"end_word":576,"sentiment":"negative","sentiment_score":-0.4718192517757416},{"text":"Okay. Yeah. Yeah. Yeah.","start_word":577,"end_word":580,"sentiment":"neutral","sentiment_score":-0.21220147609710693},{"text":"It just left Now you it's in lurch a big a lot. deal set.","start_word":581,"end_word":594,"sentiment":"negative","sentiment_score":-0.60819011926651},{"text":"Okay. So Did they come on the hardship, not getting money to the business it is or a what? financial it is financial hardship, but financial hardship under a super fund is only if you've been receiving Centrelink for up to twenty six weeks. What is it? Yeah. So financial hardship, we can only apply for if you meet the requirement of continuous Centrelink I haven't found that last phone. payments. But I'm quite sure so last time you spoke with Amy, you discussed Compassionate Ground, which is through the Yep. Oh, yeah. Yep. APO. Yeah. The APO claims based on very specific requirements. It's gonna be a hard push, but it could be possible that you may be able to receive a payment. But I don't generally see any of the payment like, any payment approved for, you know, not receiving invoices paid or anything like that. But let me have a look at your account and see if There might be enough. Mhmm. So what what do you what what does he say? What's the Monogasia So so what happens is the ATO the ATO basically so the ATO under a compassionate claim ACR? will only pay money out for very specific requirements, so very specific claim claim requirements. And those claims Alright. are basically, you know, to pay a funeral for for yourself or for someone, you know, a dependent, to pay some medical bills for yourself or a dependent, to assist with any form of you know, you're about to lose your house, any any unpaid, you know, house orientated bills. So it Yep. it can come down to rates, stuff like that because rates bills can But why result I in help the you foreclosure. with the business. It won't generally help with a business. No. But you can always try and put a claim through for the business and see whether they will allow it, but not generally. No. I am. You can always try it, though, and I can send you the information on how to do it because it's a it's a it's an application with the ATO. It's not with the super fund. It's the ATO that actually approved this. Yep. Alright. Yeah.","start_word":595,"end_word":966,"sentiment":"neutral","sentiment_score":-0.09424363264954218},{"text":"Because I can't even get a loan or nothing because there's no continuous six weeks of six months of continuous payments.","start_word":967,"end_word":987,"sentiment":"negative","sentiment_score":-0.3437170088291168},{"text":"Income. You know? Yeah. Hey.","start_word":988,"end_word":992,"sentiment":"neutral","sentiment_score":-0.1834796816110611},{"text":"Don't this this stuff ain't up every which way you can think of.","start_word":993,"end_word":1005,"sentiment":"negative","sentiment_score":-0.44895026087760925},{"text":"Yeah.","start_word":1006,"end_word":1006,"sentiment":"neutral","sentiment_score":-0.18772253394126892},{"text":"And running the truck is hard because it takes money to run the truck.","start_word":1007,"end_word":1020,"sentiment":"negative","sentiment_score":-0.4249799847602844},{"text":"It's not just, Well, you know, being six able to thousand get in bucks and a do day. it.","start_word":1021,"end_word":1039,"sentiment":"neutral","sentiment_score":-0.12181013822555542},{"text":"Thank you.","start_word":1040,"end_word":1041,"sentiment":"positive","sentiment_score":0.37534138560295105},{"text":"Yeah. Definitely. So do you want me to send the email on, like, how to apply with the ATO to see how that Yeah. I might I was gonna go, but then it doesn't sound too promising. goes? No. Like, they don't generally get They don't generally get approved, but you can always throw it at the wall and see whether it sticks.","start_word":1042,"end_word":1104,"sentiment":"neutral","sentiment_score":-0.06807147711515427},{"text":"So they're not even hotter in the last few weeks.","start_word":1105,"end_word":1114,"sentiment":"negative","sentiment_score":-0.3418874442577362},{"text":"Have The a the ATO has well, the government they? as a whole is have very much secured things probably over the last decade.","start_word":1115,"end_word":1138,"sentiment":"neutral","sentiment_score":-0.14123758673667908},{"text":"They're not really accepting any kind of claims that don't specifically meet the requirements that are supposed to be met.","start_word":1139,"end_word":1158,"sentiment":"negative","sentiment_score":-0.4169325530529022},{"text":"Alright. Yeah. Still, I thought I thought I was about, you know, '19 or 20. Easy.","start_word":1159,"end_word":1174,"sentiment":"neutral","sentiment_score":-0.10857874155044556},{"text":"I was lazy.","start_word":1175,"end_word":1177,"sentiment":"negative","sentiment_score":-0.3923271894454956},{"text":"Just put it for me, and I got money, yeah, a Yeah. couple Yeah. Very, very much easy easier back of then, but, no, over the last probably decade or weeks two, they've they've definitely tightened things up. later. So what?","start_word":1178,"end_word":1218,"sentiment":"neutral","sentiment_score":-0.2293408960103989},{"text":"They just let you go bankrupt or whatever. They don't care now.","start_word":1219,"end_word":1230,"sentiment":"negative","sentiment_score":-0.5009532570838928},{"text":"It's not that they don't care, but they've just restricted and and tightened things up because the whole point in the superannuation fund is to make sure that there's money preserved for retirement. I might make it now. I'll send the email through to you. Possibly. Yes.","start_word":1231,"end_word":1277,"sentiment":"neutral","sentiment_score":-0.12123343348503111},{"text":"It it it is very much gonna be a bit of a a waste of time trying. Have you like, possibly, as bad as it as it is, credit cards or maybe going instead of, like, self employed, going and becoming, like, an employee again?","start_word":1278,"end_word":1322,"sentiment":"negative","sentiment_score":-0.46729451417922974},{"text":"K. I'm not sure if I pay the truck Yeah. line or what. Yeah. Well, Which that way, I'll send that email to you. Alright. I'll Let's send do you it. the Okay. email. And if you run into any issues when you're doing the application, because Yep. the application's all online with myGov, give me a call, and we can talk we can step it through. But, yeah, it's you you're gonna have to sort of put forward Yeah.","start_word":1323,"end_word":1402,"sentiment":"neutral","sentiment_score":-0.001929323188960552},{"text":"the bleeding heart scenario.","start_word":1403,"end_word":1406,"sentiment":"negative","sentiment_score":-0.33631810545921326},{"text":"So you you're definitely gonna have to sort of amp it up in terms of all of the the issues and struggles when you have the opportunity to three types in the application. Have you heard of anyone ever getting it, though, besides the normal criteria, like, with a good story or, you know I have, with lawyers, heard of people that are getting getting payments, but they also had to pay a lawyer. yeah. Yeah. There's half your money going already. Pretty much. Yep. Alright. He sent us through. I'll see what hell okay. Yeah. And other than that, yeah, possibly just going employee, and that way you you're earning an income to be able to pay off the truck loan and have money coming in. Yeah. We're gonna go ahead and occupy the truck line. Yeah. Yeah. Alright. Alright. We'll give They you don't the guy. pay. K. Alright. I'll get that through to you now. Alright.","start_word":1407,"end_word":1565,"sentiment":"neutral","sentiment_score":-0.08842624009897311},{"text":"Thank you. That's okay, Aaron.","start_word":1566,"end_word":1570,"sentiment":"positive","sentiment_score":0.5211642384529114},{"text":"Bye.","start_word":1571,"end_word":1571,"sentiment":"neutral","sentiment_score":0.2850099205970764}],"average":{"sentiment":"neutral","sentiment_score":-0.1380702583435823}}}}