Cancel your credit card before you die
Reported in the Newcastle Evening Chronicle Recently:
Be sure and cancel your credit cards before you die! This is so priceless. And so easy to see happening - customer service, being what it is today!
A lady died this last September, and MBNA bank billed her in October and November for their annual service charges on her credit card, and then in December added late fees and interest on the monthly charge.
The balance that had been £0.00, now is somewhere around - £60.00.
A family member rang MBNA:
Family Member: 'I am calling to tell you that my grandmother died in September.'
MBNA: 'But the account was never closed and so the late fees and charges still apply.'
Family Member: 'Maybe, you should turn it over to your collections section.'
MBNA: ‘Since it is two months over due, it already has been.'
Family Member: ‘So, what will they do when they find out she is dead?'
MBNA: 'Either report her account to the Frauds Department or report her to The Credit bureau, maybe both!'
Family Member: 'Do you think God will be upset with her?'
MBNA: 'Excuse me?'
Family Member: 'Did you just get what I was telling you . . The part about her being dead?'
MBNA: 'Sir, you'll have to speak to my supervisor.'
Supervisor gets on the phone:
Family Member: 'I'm phoning to tell you, she died in September.'
MBNA: 'But the account was never closed and the late fees and charges still apply.'
Family Member: 'You mean you want to collect from her estate?'
MBNA: (Stammer) 'Are you her solicitor?'
Family Member: 'No, I'm her grandson'
MBNA: 'Could you fax us a death certificate?'
Family Member: 'no problem.'
( fax number is given )
After they get the fax:
MBNA: 'Our system just isn't set up for death. I don't know what more I can do to help.'
Family Member: 'Well, if you sort it out, great! If not, you could just keep billing her. I don't think she will care.'
MBNA: 'Well, the late fees and charges will still apply.'
Family Member: ‘Would you like her new billing address?'
MBNA: 'That would help.'
Family Member: ' Plot 1049.' Heaton Cemetary, Heaton Road , Newcastle upon Tyne
MBNA: 'But, that's a cemetery!'
Family Member: 'Well, what the **** do you do with dead people on your planet?'
The MBNA were not available for comment when a reporter from the Newcastle Evening Chronicle rang them.
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Had a similar experience myself when my father passed away - i TPS'd, MPS'd & Bereavement registered both his address and telephone number.
A few weeks later i received some spam post so i rang up a well known double glazing company & asked why they had written to him and then tried to call him.
Their answer - as he was on the Bereavement register but not yet MPS register they can contact him - when challenged to repeat the statement they put the phone down
I was so annoyed i rang head office & got them eventually to write a cheque directly to the Hospice where he passed away.
I love a good battle over bad customer service and when i win the Hospice do ok out of me too - normally donate at least 50% of my compensation
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