<I>

  <&>Wellington Corpus of Spoken New Zealand English Version One</&>
  <&>Copyright 1998 School of Linguistics & Applied Language Studies</&>
  <&>Victoria University of Wellington</&>

  <&>side one</&>
  <&>2:55</&>
  

  <WSC#DPF048:0005:LB>
      good afternoon bill arthur's phone lena speaking

  <WSC#DPF048:0010:SL>
      <drawls>hi</drawls> my name's sharie linwood and i'm <&>3:00</&>
      one of your customers <latch>

  <WSC#DPF048:0015:LB>
      yeah <latch>

  <WSC#DPF048:0020:SL>
      i've actually just struck some difficulties

  <WSC#DPF048:0025:SL>
      i'm trying to enrol at university <{><[>and</[> i'd intended
      putting my fees on my credit card <latch>

  <WSC#DPF048:0030:LB>
      <[>yeah</[></{>

  <WSC#DPF048:0035:LB>
      right <latch>

  <WSC#DPF048:0040:SL>
      my credit card i have confirmed with my bank has adequate CREDIT
      but when they ring the visa centre the visa centre declines it
      so i'm left with no way of paying my <laughs>FEES</laughs> <{><[>because</[>
      i haven't got any money in my bank account

  <WSC#DPF048:0045:LB>
      <[>right</[></{>

  <WSC#DPF048:0050:LB>
      okay

  <WSC#DPF048:0055:LB>
      have <drawls>you tried um</drawls> <,> let's see have you tried
      <drawls>the</drawls> oh what is it now the government loans that
      they have <{><[><?>cos it means that</?></[> yeah you put the
      application for that in with your <.>tui</.> your tuition as <.>well</.>

  <WSC#DPF048:0060:SL>
      <[>the student loans</[></{>

  <WSC#DPF048:0065:SL>
      yeah i don't want to take out a student loan <{><[><drawls>um</drawls></[>
      for various reasons um

  <WSC#DPF048:0070:SL>
      number one i'm a parttime student

  <WSC#DPF048:0075:SL>
      i'm <.>fully</.> fulltime employed

  <WSC#DPF048:0080:LB>
      <[>okay <.>because</.></[></{>

  <WSC#DPF048:0085:LB>
      oh i see

  <WSC#DPF048:0090:SL>
      so what i'm really wanting is something that will um <,> <.>put</.>
      put the money in my bank so i can write a cheque until next
      payday

  <WSC#DPF048:0095:LB>
      right okay

  <WSC#DPF048:0100:LB>
      what's your account number your <&>4:00</&> cheque account
      number

  <WSC#DPF048:0105:SL>
      okay it <drawls>is</drawls> <.>i'll</.> and i'll be taking it
      off my chequebook here oh probably card's better eh

  <WSC#DPF048:0110:LB>
      no your chequebook

  <WSC#DPF048:0115:SL>
      chequebook <drawls>okay</drawls> and miss out the first six
      numbers isn't it

  <WSC#DPF048:0120:LB>
      yeah and <.>there's</.> it should be oh four <{><[>oh six</[>
      four one

  <WSC#DPF048:0125:SL>
      <[>four oh</[></{>

  <WSC#DPF048:0130:SL>
      yeah that's it

  <WSC#DPF048:0135:LB>
      okay <{><[>and <.>then</.></[>

  <WSC#DPF048:0140:SL>
      <[>and then</[></{> oh four two three six oh four five double
      two <,,>

  <WSC#DPF048:0145:LB>
      okay <&>pause of ten seconds while LB enters this on her
      terminal</&> and you have a visa do you

  <WSC#DPF048:0150:SL>
      yeah it's not with you though

  <WSC#DPF048:0155:SL>
      it's with countrywide

  <WSC#DPF048:0160:LB>
      <softly>okay</softly> <,,><&>3</&> okay your salary your pay's
      <.>not</.> you're not paid till next week is it

  <WSC#DPF048:0165:SL>
      yeah it'll be next week and i've <{><[>also</[> got some money
      in another account but <latch>

  <WSC#DPF048:0170:LB>
      <[><?>yes</?></[></{>

  <WSC#DPF048:0175:LB>
      right <latch>

  <WSC#DPF048:0180:SL>
      i won't be able to put it in today so it means it won't get in
      there till monday at the very least and i don't want the <{1><[1>cheque</[1>
      to get <{2><[2>presented</[2> and bounce

  <WSC#DPF048:0185:LB>
      <[1>okay</[1></{1>

  <WSC#DPF048:0190:LB>
      <[2>how <.>mu</.></[2></{2>

  <WSC#DPF048:0195:LB>
      right how much do you need to um <,,> bank

  <WSC#DPF048:0200:LB>
      i'm <&>5:00</&> sorry that's me

  <WSC#DPF048:0205:LB>
      how much do you need to write your cheque out for

  <WSC#DPF048:0210:SL>
      it's nine hundred and eighty six dollars

  <WSC#DPF048:0215:LB>
      <softly>nine hundred and eighty SIX</softly> mm <,>

  <WSC#DPF048:0220:LB>
      that's a lot parttime <O>laughs</O> <{><[><O>laughs</O></[>

  <WSC#DPF048:0225:SL>
      <[><laughs>yeah it is</laughs></[></{>

  <WSC#DPF048:0230:LB>
      are you doing with the polytech or at uni

  <WSC#DPF048:0235:SL>
      no it's university

  <WSC#DPF048:0240:LB>
      <softly>university <,,> oh okay</softly> right <,> and your
      salary's still going to be six hundred and twenty one sixty <{><[>five
      is it</[>

  <WSC#DPF048:0245:SL>
      <[><drawls>yeah</drawls> but</[></{> as i said i've got other
      money in another account that i can put in

  <WSC#DPF048:0250:LB>
      okay how much can you put in for that

  <WSC#DPF048:0255:SL>
      um well as i said it won't be till monday <.>but</.>

  <WSC#DPF048:0260:LB>
      yeah <latch>

  <WSC#DPF048:0265:SL>
      yeah i <{><[>have five hundred</[> dollars there for that

  <WSC#DPF048:0270:LB>
      <[>but <.>like</.></[></{>

  <WSC#DPF048:0275:LB>
      you have five hundred

  <WSC#DPF048:0280:SL>
      yeah

  <WSC#DPF048:0285:LB>
      okay <,,><&>4</&> because what'll happen is if <.>you're</.> are
      you going to give them on a cheque today

  <WSC#DPF048:0290:SL>
      well that's what i WANT to do <{><[>but i want to make <laughs>sure
      you're not going to bounce it first</laughs></[>

  <WSC#DPF048:0295:LB>
      <[><?>and you're</?> <unclear>word</unclear> okay right</[></{>
      if you gave them the cheque today

  <WSC#DPF048:0300:SL>
      yeah

  <WSC#DPF048:0305:LB>
      then they <.>probably</.> if you did it this afternoon they
      probably won't be able to bank it today anyway

  <WSC#DPF048:0310:SL>
      yeah

  <WSC#DPF048:0315:LB>
      <drawls>um</drawls> so it won't get presented till like monday
      at the earliest <{><[><.>which</.></[> well <,,> assuming
      they're normal <O>laughs</O>

  <WSC#DPF048:0320:SL>
      <[>yeah</[></{> <&>6:00</&>

  <WSC#DPF048:0325:SL>
      yeah

  <WSC#DPF048:0330:LB>
      that's what normally happens

  <WSC#DPF048:0335:SL>
      so i can put my money in <.>the</.>

  <WSC#DPF048:0340:LB>
      yeah so you can put your money in that same day so it'll
      overdraw your account say about nine hundred and eighty dollars

  <WSC#DPF048:0345:SL>
      yeah

  <WSC#DPF048:0350:LB>
      um oh sorry four hundred <laughs>and eighty dollars</laughs>

  <WSC#DPF048:0355:SL>
      yeah

  <WSC#DPF048:0360:LB>
      <drawls>and</drawls> um if your salary goes in that'll <drawls>be</drawls>
      that'll <.>take</.> clear it out let's see the TENTH was your
      last one on the wednesday so that'll be cleared out on the <{><[>WEDNESDAY</[>

  <WSC#DPF048:0365:SL>
      <[>wednesday</[></{> yeah

  <WSC#DPF048:0370:LB>
      yeah <drawls>so</drawls> i can't see that being a problem

  <WSC#DPF048:0375:LB>
      i'll just make a note for BILL because he actually looks after
      your account at the moment

  <WSC#DPF048:0380:SL>
      yeah

  <WSC#DPF048:0385:LB>
      <drawls>um</drawls> and let him know that that's <.>what'll</.>
      what'll be happening <latch>

  <WSC#DPF048:0390:SL>
      okay <latch>

  <WSC#DPF048:0395:LB>
      but that'll be fine if that's the only cheque you're going to
      write out is <{><[>the er nine hundred and</[> eighty six dollar
      one and as long as you can put that five hundred dollar deposit
      in on monday

  <WSC#DPF048:0400:SL>
      <[>yeah no it will be</[></{>

  <WSC#DPF048:0405:SL>
      yeah <latch>

  <WSC#DPF048:0410:LB>
      um then we'll honour that cheque

  <WSC#DPF048:0415:SL>
      <drawls>okay</drawls>

  <WSC#DPF048:0420:LB>
      okay

  <WSC#DPF048:0425:SL>
      um what if i <drawls>um</drawls> made <.>it</.> made the
      <&>7:00</&> the cheque for less than that <{><[>cos <.>i</.> <,>
      what i could do

  <WSC#DPF048:0430:SL>
      i know i've <.>s</.></[> <,> probably according to the visa
      centre i've still got six hundred dollars credit on my visa
      account

  <WSC#DPF048:0435:LB>
      <[>if you made it for less than that it'll be fine as well</[></{>

  <WSC#DPF048:0440:LB>
      right

  <WSC#DPF048:0445:SL>
      so um

  <WSC#DPF048:0450:LB>
      well to <.>sa</.> it'll actually save you paying out debit
      INTEREST <{><[>which</[> will be charged out at the end of the
      month and it'll also save you the <.>quarterly</.> there's <.>a</.>
      a fee for overdrawing your ACCOUNT <latch>

  <WSC#DPF048:0455:SL>
      <[>yeah</[></{>

  <WSC#DPF048:0460:SL>
      yeah <latch>

  <WSC#DPF048:0465:LB>
      <drawls>and it's</drawls> let's see it's called service
      compartment b <drawls>and</drawls> it'd be about seven dollars
      <drawls>fifty</drawls> <{1><[1>um for</[1> the <.>whole</.> like
      for the whole quarter or else one percent of the um yeah it'll
      be seven dollars fifty i think <,> <drawls>um</drawls> <{2><[2><unclear>word</unclear>
      yes</[2>

  <WSC#DPF048:0470:SL>
      <[1><drawls>okay</drawls></[1></{1>

  <WSC#DPF048:0475:SL>
      <[2>okay so i can avoid that if</[2></{2> i do it that way

  <WSC#DPF048:0480:LB>
      yeah you can avoid it if you use your five hundred dollars
      <latch>

  <WSC#DPF048:0485:SL>
      yeah <latch>

  <WSC#DPF048:0490:LB>
      and <drawls>um</drawls> <,> the <.>r</.> rest of it off your
      credit card

  <WSC#DPF048:0495:LB>
      that'll save you paying all um

  <WSC#DPF048:0500:SL>
      okay that'll be great

  <WSC#DPF048:0505:LB>
      yeah so is that what <{><[>you're going to do</[>

  <WSC#DPF048:0510:SL>
      <[>so no matter what</[></{> i do the cheque won't bounce

  <WSC#DPF048:0515:LB>
      <O>groans</O>

  <WSC#DPF048:0520:SL>
      as long as i put that five hundred <{><[><,> in next week</[>
      <&>8:00</&>

  <WSC#DPF048:0525:LB>
      <[>yeah well like if you <.>want</.></[></{> if you want to put
      the five hundred in and then just take a cash advance for say
      whatever what the five hundred off <.>y</.> off there

  <WSC#DPF048:0530:SL>
      mm

  <WSC#DPF048:0535:LB>
      <drawls>um</drawls> off your credit card and <.>put</.> bank it
      in as <{><[>well <.>then</.></[>

  <WSC#DPF048:0540:SL>
      <[>yeah thing</[></{> is i'm better off not getting the cash
      advance off my credit card <{><[>because they charge me interest
      from it as soon as i um do that don't they</[>

  <WSC#DPF048:0545:LB>
      <[>yeah that's right right <,> yeah that's true</[></{>

  <WSC#DPF048:0550:LB>
      <drawls>um</drawls>

  <WSC#DPF048:0555:SL>
      yeah well i might try and <{1><[1>split</[1> it between the two
      <{2><[2>but</[2> as i said that money won't get there till
      monday so <,> <{3><[3><unclear>word</unclear></[3>

  <WSC#DPF048:0560:LB>
      <[1>yes</[1></{1>

  <WSC#DPF048:0565:LB>
      <[2>yeah</[2></{2>

  <WSC#DPF048:0570:LB>
      <[3>yeah sure</[3></{3> so i'll make a note of that anyway <{><[><,>
      that um</[>

  <WSC#DPF048:0575:SL>
      <[>okay well <.>thanks</.></[></{> thanks a lot for your help
      lena

  <WSC#DPF048:0580:LB>
      that's okay

  <WSC#DPF048:0585:SL>
      you've been very helpful

  <WSC#DPF048:0590:LB>
      <laughs>all right then</laughs>

  <WSC#DPF048:0595:SL>
      okay <{><[>thanks bye</[>

  <WSC#DPF048:0600:LB>
      <[>bye</[></{> bye <&>8:31</&>
</I>
