Thursday, 14 February 2013


Mastercard, Absolutely Priceless ....
Experience the best London has to offer for MasterCard cardholders.

Reported in the Newcastle Evening Chronicle U.K. recently:
MBNA Bank of AmericaBe 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 past 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.
MBNA Bank of America
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 my grandma 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 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: '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: 'Sure.'

( 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 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 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!'Garden remembrance

Family Member: 'Well, what the f*** 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.

The above is unbelievable, but it actually happened. I've blogged before about banks and Indian call centers. I have to admit I don't know whether the call center was in Indoia, but my own dealings with MBNA would indicate it is. It just goes to show that banks have no sympathy and little understanding od theEnglish language. Compassion isn't a word they understand, though "solicitor" seems to be one they dread!
And still the bankers want massive bonuses and presumably the easy way to get them is to levy charges on dead people, who actually owe them no money when they died and can't argue, let alone pay up. Doubtless MBNA would have eventually "sold" the debt to a collections agency who would literally have gone to Heaven and Hell to get their money. At least they'd have felt at home in Hell.

Blog on, Dudes!

Oh... and check out my new page on Amazon and why not buy one of my books while you're at it?


  1. Doesn't surprise me. Best friend Lissy's husband was being totally harassed on the phone by some computer software company. Went on for weeks. Eventually, she picked up. Told the guy, 'Sorry, my husband has just died'. Pause. 'OK, so can we talk to you, then?' Unbelievable, but again, true.

    1. These guys don't have brain, just a script, Carol. It beggars all understanding. It's money at all costs and never mind how much you terrify, or scare the victim! Thanks for the comment.

  2. This comment has been removed by the author.

  3. LOL, love it! I remember taking a call a few minutes after my FILaw passed away. We were waiting for doc to confirm death. A double glazing sales bod asked to speak to him. I explained, and asked he put the phone down as we needed a clear line. His words ... no lie ... 'If he is unable to take this call today, I will call back at 3pm tomorrow. Will that be OK?' I told him to wait while I go ask. I then put down the phone. A case of didn't listen to the consumer!

    1. Thanks for the comment, Glynis. It's amazing how stupidly obstinate call centers can be. They have a script and they won't deviate it no matter what the circumstances. Somtimes it's hilariously funny, at other times it's just aggrevating, but it can also be highly hurtful. Call centers don't have customers, of course. They have punters, numbers and tick boxes.

  4. This comment has been removed by the author.