<&>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 good afternoon bill arthur's phone lena speaking hi my name's sharie linwood and i'm <&>3:00 one of your customers yeah i've actually just struck some difficulties i'm trying to enrol at university <{><[>and i'd intended putting my fees on my credit card <[>yeah right 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 FEES <{><[>because i haven't got any money in my bank account <[>right okay have you tried um <,> let's see have you tried the 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 <[>the student loans yeah i don't want to take out a student loan <{><[>um for various reasons um number one i'm a parttime student i'm <.>fully fulltime employed <[>okay <.>because oh i see 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 right okay what's your account number your <&>4:00 cheque account number okay it is <.>i'll and i'll be taking it off my chequebook here oh probably card's better eh no your chequebook chequebook okay and miss out the first six numbers isn't it yeah and <.>there's it should be oh four <{><[>oh six four one <[>four oh yeah that's it okay <{><[>and <.>then <[>and then oh four two three six oh four five double two <,,> okay <&>pause of ten seconds while LB enters this on her terminal and you have a visa do you yeah it's not with you though it's with countrywide okay <,,><&>3 okay your salary your pay's <.>not you're not paid till next week is it yeah it'll be next week and i've <{><[>also got some money in another account but <[>yes right 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 to get <{2><[2>presented and bounce <[1>okay <[2>how <.>mu right how much do you need to um <,,> bank i'm <&>5:00 sorry that's me how much do you need to write your cheque out for it's nine hundred and eighty six dollars nine hundred and eighty SIX mm <,> that's a lot parttime laughs <{><[>laughs <[>yeah it is are you doing with the polytech or at uni no it's university university <,,> oh okay right <,> and your salary's still going to be six hundred and twenty one sixty <{><[>five is it <[>yeah but as i said i've got other money in another account that i can put in okay how much can you put in for that um well as i said it won't be till monday <.>but yeah yeah i <{><[>have five hundred dollars there for that <[>but <.>like you have five hundred yeah okay <,,><&>4 because what'll happen is if <.>you're are you going to give them on a cheque today well that's what i WANT to do <{><[>but i want to make sure you're not going to bounce it first <[>and you're word okay right if you gave them the cheque today yeah then they <.>probably if you did it this afternoon they probably won't be able to bank it today anyway yeah um so it won't get presented till like monday at the earliest <{><[><.>which well <,,> assuming they're normal laughs <[>yeah <&>6:00 yeah that's what normally happens so i can put my money in <.>the yeah so you can put your money in that same day so it'll overdraw your account say about nine hundred and eighty dollars yeah um oh sorry four hundred and eighty dollars yeah and um if your salary goes in that'll be 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 <[>wednesday yeah yeah so i can't see that being a problem i'll just make a note for BILL because he actually looks after your account at the moment yeah um and let him know that that's <.>what'll what'll be happening okay 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 <[>yeah no it will be yeah um then we'll honour that cheque okay okay um what if i um made <.>it made the <&>7:00 the cheque for less than that <{><[>cos <.>i <,> what i could do i know i've <.>s <,> probably according to the visa centre i've still got six hundred dollars credit on my visa account <[>if you made it for less than that it'll be fine as well right so um 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 <[>yeah yeah and it's let's see it's called service compartment b and it'd be about seven dollars fifty <{1><[1>um for the <.>whole like for the whole quarter or else one percent of the um yeah it'll be seven dollars fifty i think <,> um <{2><[2>word yes <[1>okay <[2>okay so i can avoid that if i do it that way yeah you can avoid it if you use your five hundred dollars yeah and um <,> the <.>r rest of it off your credit card that'll save you paying all um okay that'll be great yeah so is that what <{><[>you're going to do <[>so no matter what i do the cheque won't bounce groans as long as i put that five hundred <{><[><,> in next week <&>8:00 <[>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 mm um off your credit card and <.>put bank it in as <{><[>well <.>then <[>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 <[>yeah that's right right <,> yeah that's true um yeah well i might try and <{1><[1>split it between the two <{2><[2>but as i said that money won't get there till monday so <,> <{3><[3>word <[1>yes <[2>yeah <[3>yeah sure so i'll make a note of that anyway <{><[><,> that um <[>okay well <.>thanks thanks a lot for your help lena that's okay you've been very helpful all right then okay <{><[>thanks bye <[>bye bye <&>8:31