Checking Apparently Duplicated Bank Charges
Bank service officer (speaking English) and Account holder (speaking Telugu) talk through “Checking Apparently Duplicated Bank Charges”. You interpret both ways — English into Telugu, and Telugu into English — one segment at a time, exactly as in the CCL test.
Practise this dialogue with AI marking →Read it first if you like, then practise it cold: the recording plays one segment, you interpret, the next segment plays. Marking shows, segment by segment, what you kept, left out or changed.
Full transcript with model answers
Under each segment: a model interpretation, the information points an examiner checks, and the easiest thing to miss. Try the segment yourself first, then open it. The model is one good way to say it; other wordings that keep every point score just as well.
How can I help you today, Mrs Kandukuri? If you have brought any paperwork, we can look through it together at our Ryde enquiries desk.
Model answer and marking points
కందుకూరి గారూ, ఈ రోజు మీకు ఏ విధంగా సహాయం చేయగలను? మీరు ఏవైనా పత్రాలు తీసుకొచ్చి ఉంటే, మనం మా రైడ్ విచారణల కౌంటర్‌లో వాటిని కలిసి చూడవచ్చు.
What an examiner checks here:
- question: How can I help you today, Mrs Kandukuri?
- If any paperwork has been brought
- Can review the paperwork together
- At the Ryde enquiries desk
Easy to miss: Keep the offer to review paperwork conditional on whether she has brought any.
ఇదిగోండి, అక్టోబర్ ఒకటో తేదీ నుంచి పదిహేనో తేదీ వరకు ఉన్న స్టేట్‌మెంట్. అక్టోబర్ ఎనిమిదో తేదీన వూల్‌వర్త్స్ పేరుతో పన్నెండు డాలర్ల చొప్పున రెండుసార్లు కనిపిస్తోంది. నేను ఒక్కసారే సరుకులు కొన్నాను.
Model answer and marking points
Here is my statement covering the first to the fifteenth of October. On the eighth of October, Woolworths appears twice, for twelve dollars each time. I only bought groceries once.
What an examiner checks here:
- Statement covers 1–15 October
- Two Woolworths entries on 8 October
- Each entry is for $12
- Only bought groceries once
Easy to miss: The two entries are twelve dollars each, not twelve dollars in total.
Your turn — don't read the rest yet. Hear this dialogue at native speed and interpret each segment aloud; AI marks what you kept, left out or changed, segment by segment. Your first full dialogue is marked free.
Interpret it aloud now →Thank you. Both entries show Woolworths, but that alone does not confirm a duplicate. Do you still have the receipt from that purchase?
Model answer and marking points
ధన్యవాదాలు. రెండు నమోదుల్లోనూ వూల్‌వర్త్స్ అని ఉంది. కానీ అంతమాత్రాన ఒకే చెల్లింపు రెండుసార్లు జరిగిందని నిర్ధారించలేం. ఆ కొనుగోలుకు సంబంధించిన రసీదు ఇంకా మీ దగ్గర ఉందా?
What an examiner checks here:
- Both entries show Woolworths
- Matching merchant names alone do not confirm a duplicate
- question: Do you still have the receipt for that purchase?
Easy to miss: The matching entries do not yet confirm that a duplicate payment occurred.
ఉందండి, ఈ కవరులో పెట్టుకున్నాను. రసీదులో ఉన్న మొత్తం పన్నెండు డాలర్లే. నేను ఫోనులో బ్యాంకు పనులు చేసుకోలేను, అందుకే కాగితం స్టేట్‌మెంట్ తీసుకుని వచ్చాను.
Model answer and marking points
Yes, I have it here in this envelope. The amount on the receipt is twelve dollars. I can't do my banking on my phone, so I brought a paper statement.
What an examiner checks here:
- Receipt is in this envelope
- Receipt amount is $12
- Cannot do banking on the phone
- Brought a paper statement for that reason
Easy to miss: She cannot do banking on her phone; she is not saying she cannot make telephone calls.
The receipt will help us compare the transaction details. I can check whether both entries are completed payments or whether one is still pending.
Model answer and marking points
లావాదేవీ వివరాలను పోల్చి చూడటానికి ఈ రసీదు ఉపయోగపడుతుంది. రెండు నమోదులూ పూర్తయిన చెల్లింపులేనా, లేక ఒకటి ఇంకా పెండింగ్‌లో ఉందా అనేది నేను తనిఖీ చేయగలను.
What an examiner checks here:
- Receipt helps compare transaction details
- Can check whether both payments are completed
- Can check whether one entry is still pending
Easy to miss: The payment statuses still need to be checked; neither status has been confirmed.
పెండింగ్ అంటే ఏమిటండీ? ఆ మాట నాకు అర్థం కాలేదు. నా ఖాతాలోంచి డబ్బు అప్పటికే వెళ్లిపోయినట్టా, లేక ఇంకా చెల్లింపు పూర్తి కాలేదా?
Model answer and marking points
What does pending mean? I didn't understand that word. Does it mean the money has already left my account, or that the payment hasn't been completed yet?
What an examiner checks here:
- question: What does pending mean?
- Did not understand the term
- question: Has the money already left my account?
- question: Or has the payment not been completed yet?
Easy to miss: Keep the alternatives as questions rather than saying the money has already left the account.
A pending entry means the payment has not finished processing. It may affect your available balance. I will check which status applies to each entry.
Model answer and marking points
ఒక చెల్లింపు పెండింగ్‌లో ఉందంటే, దాని ప్రాసెసింగ్ ఇంకా పూర్తి కాలేదని అర్థం. దానివల్ల మీరు వాడుకోవడానికి అందుబాటులో ఉన్న ఖాతా నిల్వపై ప్రభావం పడవచ్చు. ప్రతి నమోదు ఏ స్థితిలో ఉందో నేను తనిఖీ చేస్తాను.
What an examiner checks here:
- Pending means payment processing is not finished
- May affect the available balance
- Will check the status of each entry
Easy to miss: A pending payment may affect the available balance; this is not stated as certain.
అలాగండీ. మందులు కొనడానికి డబ్బు ఉంచుకున్నాను, అందుకే కంగారు పడ్డాను. రెండూ పూర్తయిన చెల్లింపులే అయితే, రెండోసారి ఎందుకు తీసుకున్నారో తెలుసుకోవచ్చా?
Model answer and marking points
I see. I had set aside money to buy medicines, so I was worried. If both payments have been completed, could I find out why the money was taken a second time?
What an examiner checks here:
- Had set aside money to buy medicines
- Was worried for that reason
- Condition: both payments are completed
- question: Can I find out why money was taken a second time?
Easy to miss: The request about the second payment is conditional on both payments being completed.
If both payments are completed, we can ask our transaction team to investigate. That does not guarantee a refund; they must establish what happened first.
Model answer and marking points
రెండు చెల్లింపులూ పూర్తయి ఉంటే, దర్యాప్తు చేయమని మా లావాదేవీల బృందాన్ని అడగవచ్చు. అయితే డబ్బు తిరిగి వస్తుందని హామీ లేదు. ముందుగా అసలు ఏం జరిగిందో వాళ్లు నిర్ధారించాలి.
What an examiner checks here:
- Condition: both payments are completed
- Can ask the transaction team to investigate
- A refund is not guaranteed
- Team must first establish what happened
Easy to miss: An investigation does not guarantee a refund.
సరేనండీ, ముందు ఏం జరిగిందో తెలుసుకోవాలి. మీరు చూసిన వివరాలు కాగితం మీద ఇస్తారా? తర్వాత ఏమైనా తెలిస్తే మీ దగ్గర ఉన్న నా ఇంటి ఫోను నంబరుకే చేయండి. ఆ నంబరు మారలేదు.
Model answer and marking points
All right, we need to find out what happened first. Could you give me the details you've checked on paper? If you find out anything more later, please call me on the home telephone number you have for me. That number hasn't changed.
What an examiner checks here:
- Need to find out what happened first
- question: Can you provide the checked details on paper?
- Call if further information becomes available later
- Use the home telephone number already held
- Home telephone number has not changed
Easy to miss: Use the existing home telephone number, which has not changed.
I'll use your home telephone number on file and give you a printed summary. Please keep your receipt and statement to help with any further enquiries.
Model answer and marking points
మా రికార్డుల్లో ఉన్న మీ ఇంటి ఫోన్ నంబరుకే ఫోన్ చేస్తాను. మీకు వివరాల సారాంశాన్ని ప్రింట్ తీసి ఇస్తాను. తదుపరి విచారణలకు ఉపయోగపడేలా మీ రసీదును, స్టేట్‌మెంట్‌ను జాగ్రత్తగా ఉంచుకోండి.
What an examiner checks here:
- Will use the home telephone number on file
- Will provide a printed summary
- Keep both the receipt and statement
- Documents will help with further enquiries
Easy to miss: Both the receipt and the statement must be kept.
ధన్యవాదాలండీ. మీరు ఇచ్చే వివరాలు ఇంటికి వెళ్లాక నెమ్మదిగా చదువుకుంటాను. ఈ రసీదు, స్టేట్‌మెంట్ రెండూ జాగ్రత్తగా దాచిపెడతాను. ఇంకా ఏమైనా వివరాలు కావాలంటే ఫోనులో చెప్పండి.
Model answer and marking points
Thank you. I'll take my time reading the details you give me when I get home. I'll keep both this receipt and the statement safe. If you need any more information, please let me know over the phone.
What an examiner checks here:
- Thanks the staff member
- Will read the provided details at home
- Will take time reading them
- Will keep both receipt and statement safe
- If more information is needed, notify her by phone
Easy to miss: The final request is to phone her if more information is needed from her.
Practise it
Reading a transcript is not interpreting. The practice room on this site plays each segment at native speed, records you, and marks the information you transferred against the same categories examiners use — omissions, distortions, insertions — so you know where the marks went. Your first full dialogue is marked free.
Start this dialogue →More Telugu dialogues
Same topic · Financial
Telugu CCL: practice test, vocabulary, test dates
How the test works
Continue with the NAATI CCL Telugu practice test and mock tests.
Practice dialogue written to the CCL specification (two speakers, segments of 35 words or fewer, about 300 words). It is a practice text, not a NAATI test paper, and the AI score is this site's estimate, not a NAATI result. All Telugu dialogues · All languages