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Cancel credit cards prior to death!

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By *uckscouple2007 OP   Couple
over a year ago

Bucks

Be sure to cancel your credit cards before you die!

This is priceless and so easy to see happening - "Customer Service", being what it is today!

A lady died this past January and Barclays Bank billed her for February and March for their annual service charges on her credit card and then added late fees and interest on the monthly charge.

The balance which had been £0.00 is now somewhere around £60.

A family member placed a call to Barclays Bank:

FAMILY MEMBER:

'I am calling to tell you that she died in January.'

BARCLAYS:

'The account was never closed and the late fees and charges still apply.'

FAMILY MEMBER:

'Maybe, you should turn it over to Collections.'

BARCLAYS:

'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?'

BARCLAYS:

'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?'

BARCLAYS:

'Excuse me?'

FAMILY MEMBER:

'Did you just get what I was telling you ... the part about her being dead?'

BARCLAYS:

'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 January.'

BARCLAYS:

'The account was never closed and the late fees and charges still apply.'

FAMILY MEMBER:

'You mean you want to collect from her estate?'

BARCLAYS:

(Stammer) 'Are you her solicitor?'

FAMILY MEMBER:

'No, I'm her great nephew.'

(Solicitor info. given)

BARCLAYS:

'Could you fax us a certificate of death?'

FAMILY MEMBER:

'Certainly.'

(fax number is given)

After they get the fax:

BARCLAYS:

'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.'

BARCLAYS:

'Well, the late fees and charges do still apply.'

FAMILY MEMBER:

'Would you like her new billing address?'

BARCLAYS:

'That might help.'

FAMILY MEMBER:

'Plot Number 1049,

Finchley Memorial Cemetery,

Great North Road ,

Finchley, London .'

BARCLAYS:

'Sir, that's a cemetery!'

FAMILY MEMBER:

'Well, what the **** do you do with dead people on your planet?'

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By (user no longer on site)
over a year ago

Who still uses a fax machine?

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By (user no longer on site)
over a year ago

Awesome!

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By *emmefataleWoman
over a year ago

dirtybigbadsgirlville

It would be funny if it wasnt oh so true

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By (user no longer on site)
over a year ago

very good!

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By *ub bbwWoman
over a year ago

oldbury

thats so true of these call centres that just read off a tick sheet and its like the little britain sketch of computer says no

We went through something like this last year with my brothers estate it was hard enough loosing him but to have to deal with these call centers was soul destroying wish i had thought to give his forwarding address lol

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By (user no longer on site)
over a year ago

That's the fallacy of the computer age, people no longer have the option to think for themselves (there is no Option 5 for Self Thinking Dept), and most operators are running Robot v1.0. This particular piece of software has not had sub-routines for Working Things Out added yet (that comes as standard with Blatant Corporate Profiteering v6.2). The result is that we - the consumer - have to try and work out what the Robot v1.0 wants to hear that is compatible with we are trying to tell them.

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By *iewMan
Forum Mod
over a year ago

Angus & Findhorn

Next of kin calls bank/credit card provider/utility

Original/ Notarised Copy of death certificate provided

Card Cancelled

Estate settles balance

No estate..... balance written off.

You would be amazed how many times one person can die if there is a balance and no 'APPROPRIATE" checks taken.

All in all, to be completed in a dignified and respectful way.

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By (user no longer on site)
over a year ago

so if you've nowt, pay for your funeral on credit before you pop it and save your relatives the expense.

oooo, you could have a really good un!

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By (user no longer on site)
over a year ago

pity you wouldn't be there.

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By *r and mrs sanddancerCouple
over a year ago

BOLDON COLLIERY

I had a very similar thing with the building society after my wife died.

I went to have her name taken off the mortgage documents.

So went to the local office with the death certificate,

only to be told that to take her name off the mortgage they needed her signature on the appropriative forms.

This even went up to the branch manager who was no help at all.

It was only resolved when I contacted there head office

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By *ushroom7Man
over a year ago

Bradford

Similar thing happened to me. The counter staff said i'd have to take it up with the Head Office.

I said i can't, they cremated that with the rest of the body. There was no need to call security. B.rstewards.

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By *ouplefunukCouple
over a year ago

North Bristol

You can laugh but I know someone this happened to but it was an electricity account.

It was dealt with the way I deal with call centres if i'm getting nowhere:

Call Centre - How can I help?

Me - I don't want to be rude, so could you please put me through to your supervisor because i'm damn sure you're not paid enough to deal with the amount of shit i'm about to dish out.

Works every time - try it

*Her*

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By (user no longer on site)
over a year ago

I had to call an electricity supplier to inform them that a family member had passed away. Yep, we did send a copy of the death certificate when it arrived and they said they would close the account (all seems fine)......

10 days later, the supplier sends my dead relative a letter (which we opened thinking it must be a standard letter they send to say the account is closed).

It read something like this:

"Dear customer, we have been notified that you have are on the move! We'd love to continue to be your electricity supplier at your new home"

This actually happened and I went f**king ballistic at the time, but try and see the funny side now ......eon supplying heaven

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By *andKCouple
over a year ago

Norfolk

so being like me with the lowest credit rating possible and void of any type of credit card will be a bonus when I pass to the otherside lol

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By *edbagioMan
over a year ago

ripon

this is true of all banks and other

firms ;i know this from last year

with my father.nat west bank being

by far the worst to deal with

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By *amish SMan
over a year ago

Eastleigh

[Removed by poster at 07/02/12 20:29:37]

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By *amish SMan
over a year ago

Eastleigh

HMRC just as good, error on tax statement so I rang them, they admitted it was their mistake as they could see the problem, and then told me I had to write and ask for it be corrected as they could not do it over the phone!!

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By (user no longer on site)
over a year ago

Had all this when I lost my husband and still now 2 years later I still get crap in the post for him.

I even joined this thing when I registered his death to stop me receiving junk mail but it didn't work.

I sent our mortgage company nearly 4 copies of the death certificate as they never received it

Everytime I rang I was explaining myself over and over again, very annoying.

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By *atisfy janeWoman
over a year ago

Torquay

To be fair, there is so much fraud going on nowadays that companies and government departments must have to be absolutely sure before taking peoples word about things.

Shame it has come to that....

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By (user no longer on site)
over a year ago

Reading the replies, I must be an exception. When my wife died, the banks, credit card companies, insurance companies etc could not be more helpful. I did not have any hassle from any of them. They froze the accounts as soon as you informed them and just needed to see the death certificate which if posted off, was returned straightaway recorded delivery.

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By (user no longer on site)
over a year ago

I will admit the banks where really good and helpful but the abbey national who we had a mortgage with where diabolical. I soon swapped my mortgage over after that. A time when I didn't need the hassle and they were truly awful. Not one apology letter.

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By *ath-N-DelCouple
over a year ago

Glasgow area

[Removed by poster at 08/02/12 22:42:10]

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By *waymanMan
over a year ago

newcastle


"I had a very similar thing with the building society after my wife died.

I went to have her name taken off the mortgage documents.

So went to the local office with the death certificate,

only to be told that to take her name off the mortgage they needed her signature on the appropriative forms.

This even went up to the branch manager who was no help at all.

It was only resolved when I contacted there head office "

Probably a good example there fo the tyranny of old school management consultants.

I did some work for a major financial servcies company. They'd employed McFuckwit, a well known management consultancy, to do some work on saving money in their branches.

They identified probate work as being an area where you could group all the probate work in one central office, and save money on staffing in the branches.

Good news and extra dividends all round.

Unfortunately, what it meant was that everytime a customer went into a branch with probate details, staff didn't know what to do. Neither would the branch manager, not least because once they'd centralized customer services all the branch managers were sales oriented and knew fuck all about processes.

SO McFuckwits were called in again, and advised the bank they needed to spend a fortune on advertisng material and leaflets for the branches explaining how the service was delivered centrally.

it didn't work because the probate leaflets were buried under all the sales leaflets.

SO a new management consultant was brought in, who recommended training branch staff to do some probate work before sending the papers up tot he central probate department.

F*** genius....

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By (user no longer on site)
over a year ago

I had similar after my boyfriend died...he was self employed and I did his tax returns for him, we had over paid only days before he died so I knew they owed him, but it took two years to get the money back, and that was only after i had to complete two further tax returns...HMRC, fucking idiots!

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