You would not credit this. Only in UK would you get a Bank like this one.. This was reported in the Newcastle Evening Chronicle recently.
Be sure to 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 past September, and MBNA bank billed her for October and November for their annual service charges on her credit card, and then 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 placed a call to the MBNA Bank:
Family Member:
'I am calling to tell you that she died in September.'
MBNA:
'The account was never closed and the late fees and charges still apply.'
Family Member:
'Maybe, you should turn it over to collections.'
MBNA:
'Since it is two months past 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 division or report her to the credit bureau, maybe both!'
Family Member:
'Do you think God will be mad at 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 calling to tell you, she died in September.'
MBNA:
'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 lawyer?'
Family Member:
'No, I'm her grandson'
(Lawyer info given)
MBNA:
'Could you fax us a certificate of death?'
Family Member:
'Sure.'
(fax number is given)
After MBNA gets 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 figure 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 do still apply.'
Family Member:
'Would you like her new billing address?'
MBNA:
'That might help.'
Family Member:
' Heaton Cemetery , Heaton Road , Newcastle upon Tyne Plot 1049.'
MBNA:
'Sir, that's a cemetery!'
Family Member:
'Well, what the f*** do you do with dead people on your planet?'
MBNA were not available for comment when a reporter from the Newcastle Evening Chronicle rang.
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I do not believe it as the bloke from one foot in the grave used to say, you just could not make this up.
ReplyDeleteJohn Atkins
In this cold,cold society anythings possible!
ReplyDelete--------
Don
I quite agree...its incredible the things people will do to avoid paying late charges.
ReplyDeleteBut you don't need to be dead in order to get out of paying your debts Phil. Just declare yourself bankrupt and after about a year the slate will become clean and you can start all over again from the beginning with a clean record - courtesy of the government that got us into this bloody banking mess in the first place!
ReplyDeleteperhaps she shoud try and get a loan
ReplyDeletejohn(jp)
Do you think I could get a loan in her name ???
ReplyDeleteJohn Atkins
Yes I had the same problem, when my Mum died , only they empty an account she had been saving for our John's eighteen birthday to cover a credit card account that hed death Insurance was suppose to cover , I had to give the kid the money because my Mum had promised it to him for his Birthday. When I told them it was for the grandson they just took the attitude tough we take our charges first. That was eleven years ago now
ReplyDelete