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Bereavement

Upsetting treatment by bank after a bereavement.

35 replies

fabulousathome · 08/07/2017 01:22

Today I went with my husband who is also an executor to close/freeze my Mum's bank account. It's a high street bank.

We had already booked an appointment as, when we just turned up the day before, they said no one was able to see us.

When we arrived (five mins early) we explained why we were there. Ten minutes after the appointment time we were called into a small room.

As I handed over the death certificate and began to explain why we were there, the worker's first words were "I don't think I will be able to do what you want today. My colleague shouldn't have booked you in to this slot. It's too short and I have another appointment in 20 mins".

No words of condolence or polite questions, cup of tea nothing.

Anyway, I wasn't in a particularly good mood by then so I said, "I do hope you can complete this today because we were kept waiting past the appointment time".

All was going reasonably well and we ran over her 20 mins without complaint, but towards the end she said "I notice that you are Select customers" (we also have an account with this bank) so I can arrange for you to have your finances reviewed by one of our advisers here, shall I make an appointment for you?

I said that we weren't interested. "But when did you last have your finances reviewed?" She pressed and asked quite forecefully a couple of times more. I said, fairly loudly "It's not what we want at this time" (my Mum died just 13 days ago) but she found it very hard to take no for an answer.

Just before we left my husband said that she had not given her condolences, been late and then badgered us inappropriately.

I should also tell you that my husband was in banking for 20 years.

I have half a mind to withdraw my money from this particular bank but that would make things awkward for me so I won't.

While we were there we did speak to their Head Office Bereavement Team on the phone with her present. The first thing that they said was "Sorry for your loss".

I felt pretty upset for the rest of the day. I thought organisations like this one had got this kind of thing right now? Obviously not.

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ChishandFips33 · 08/07/2017 01:30

I'm sorry you had to experience this - unfortunately I had a similar shirty experience at my parents bank

Like you, I was upset and couldn't really focus on anything except getting through what I needed done - my patience wore thin and I ended up being very straight and frank about their handling/cock ups

This led to further distress as I felt awful later on

The specialist teams do tend to have a better service - their ciustomer service training for daily face to face staff seems lacking

Don't get me started on British Gas!

Flowers for you...the worst thing is having to repeat the information with each company and shamefully, it becomes 'matter of fact' because you're bracing yourself throughout

Maybe consider an email to the bereavement team highlighting the dyscreoency in their customer service

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ChishandFips33 · 08/07/2017 01:31

*Shirty works but it was 'shitty' I was aiming for!

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fabulousathome · 08/07/2017 01:56

Thanks! I lost my Dad earlier this year too and they were a bit better at that time. Makes you grow up I guess!

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echt · 08/07/2017 05:57

Utterly shitty treatment. I don't big up Australia for much, but when I had to deal with DH's accounts after he died, I just turned up at my local branches of two different banks with no appointment; they just have people on call to deal with non-teller stuff, and you take your turn. I could have gone to any branch anywhere and it would have been the same. A good system.

My experience of the UK side, all on the phone, was uniformly excellent, but then they all have bereavement sections, so only dealing with trained staff.

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VeryButchyRestingFace · 08/07/2017 07:15

Just before we left my husband said that she had not given her condolences, been late and then badgered us inappropriately

I don't think I got condolences when shutting my mum's main account recently. I did get a cup of tea though. Smile

Wasn't fussed about the lack of condolences. Might just be me, but I found it vaguely irritating and insincere when dealing with her other accounts and some stranger was trotting out the stock "I'm very sorry for your loss" response.

Have you had to shut any of your mum's accounts by phone, OP? I found that an ordeal and a half. Between dealing with systems that needed you to punch 50 numbers into the keypad and/or redial a totally different number before eventually getting to speak to a human being, to automated systems that demanded you tell the voice recognition system what your enquiry was before they'd patch you through.

And then of course, it didn't understand my accent! Hmm

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Peanutbuttercheese · 08/07/2017 09:30

I had to shut two accounts of close relatives within 12 weeks. I am horrified they wanted to discuss your financial affairs and they should not have mentioned it at all. I don't see a problem with them not being able to see you when you turned up without an appointment. I wasn't offered a drink and can't even remember if they said sorry for your loss.

Bereavement is a distressing time, I posted on the bereavement boards. Take care of yourself op.

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VeryButchyRestingFace · 08/07/2017 09:32

I am horrified they wanted to discuss your financial affairs and they should not have mentioned it at all

Yes, that just smacks of opportunism. Shock

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Longdistance · 08/07/2017 09:38

Shock

This is absolutely shocking. I worked for a building society for 2 years (long enough), and the first thing I'd do was offer my condolences to the customer. If I had another close appointment, the next appointment would wait.

So sorry for your loss Flowers

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fabulousathome · 08/07/2017 09:40

Yes, that was the worst bit. I wasn't going to complain before that. I guess she had sakes targets, but why not make a discreet note and try us in a few weeks time. She knew the date of death as it was in the certificate.

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caoraich · 08/07/2017 09:48

I would certainly complain, especially about the badgering to do a financial review.

We had a similar experience closing my grandma's account. My mum and I had been her financial guardians for years (dementia) yet still it was an epic palava because she was a dual citizen. The local bank tried to sell us all sorts of "international citizen" accounts despite us both being just British. Her Australian bank , were her pension was paid into, simply couldn't comprehend that we couldn't just pop in! No condolences from either.
It took over a year to sort out. It did make things a lot worse at an upsetting time, especially for my mum, and we did complain in the end. They sent us fifty quid and a bunch of flowers Hmm - all we wanted was them to promise us they'd do some staff empathy training!

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MovingOnUpMovingOnOut · 08/07/2017 10:02

Sorry for your loss and that you were treated with such a basic lack of compassion Flowers

I know which bank you are talking about. All of that awful sales stuff is supposed to have been drummed out of them years ago but I can't say I've ever seen the proof.

Ironically one of the banks they took over used to have an excellent reputation for dealing with bereavement: totally different culture, all processing done in branch, excellent training and guidance, managers and staff who genuinely cared about customers and that made a huge difference. They also had a much older customer base so sadly processing this sort of thing was not unusual.

The absolutely should not have sales targets now. Not that it's any excuse at all, because it isn't. I used to work in the industry but found the culture of that particular company "incompatible with my values" shall we say.

Fwiw you would have got a cup of tea, condolences and as much time as you needed in my branch. If your mum had been one of our regulars we would all have quietly come to say how sorry we were and give our condolences, assuming we hadn't actually gone to the funeral which we did do for well known customers but I understand that's exceptionally unusual.

Do complain, it will help improve the process for next time. I doubt the person you saw has had any training in how to deal with bereaved customers so if you are able to outline how it made you feel and what would have been better (offer condolences, be kind, complete the paperwork as quickly as possible, do not use the appointment as a sale opportunity etc etc). You will think this stuff obvious, but as demonstrated, it doesn't always just happen naturally.

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MovingOnUpMovingOnOut · 08/07/2017 10:06

Sorry I worded that poorly. Absolutely don't feel you have to complain - it's totally up to you and not your responsibility to sort out their poor culture - but if you do decide to complain, don't feel bad about it because you will be doing them a favour.

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fabulousathome · 08/07/2017 13:27

Thank you for your advice and kind words.

I think further complaining would be detrimental to me (I'd just get more upset).

When my husband left banking (redundant) he retrained as an accountant so we do really know what we are doing. We will probably go to some kind of estate planner in the future but a) research someone really good and b) will leave it for a year or two. It won't be a local bank I'm afraid.

I've got over their treatment of me now. But I won't forget it and will unrecommend that particular branch to friends and family if the opportunity arises.

Karma and all that.

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QuiltingFlower · 08/07/2017 18:38

Sorry for your loss. Was that Lloyds Bank, by any chance? They were insensitive, unhelpful and technically inept when I was acting as executor for my father 14 months ago. They were unable to get anything right first go. It was horrible. My dp has just passed and banked with them, so have to go through it all over again.....

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bigbluebus · 10/07/2017 16:47

The number of times I was left shocked at the attitude of some of the people I dealt with after my DD died was astounding. I had one Healthcare company ring me about the return of equipment and supplies that DD had. Their opening line was "I'm just ringing to see how many boxes you have to send back". I was stunned. I hate false sympathy but there has to be a happy medium.

I think the person you dealt with in the Bank was wrong to try and 'sell' you a review for your own account in the circumstances but having worked in a Bank I know how they are pressured for sales and an appointment with no 'leads' would probably have been questioned.

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FrancisCrawford · 10/07/2017 16:52

This reply has been deleted

Message withdrawn at poster's request.

LaContessaDiPlump · 10/07/2017 16:59

I'm sorry OP, that sounds awful Sad

In an attempt to cheer up the thread, I have a nice story about when my mum died (well, nice-ish). My dad called to cancel her phone and got a very kind and sympathetic man at a call centre. My dad asked if he had to return the phone (relatively new contract) as they'd lose money and the man said "No sir, please keep it. Your loss is far greater than ours." My dad cried Blush Vodaphone, I think.

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fabulousathome · 15/07/2017 18:00

Hi, That is a nice Vodaphone story.

It was a High Street Santander in an Essex location.

As we are indeed customers of Santander I was at first keen to take our money out but DH thought it would be more trouble than it was worth, probably true.

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Skinandbones · 15/07/2017 18:05

My husband has just gone through this after his mum died and the Yorkshire Bank couldn't have been nicer, the very young manager had all the information at hand, and helped sort bills that needed to be paid even though the account was in probate.

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Syc4moreTrees · 15/07/2017 18:11

I worked as a probate lawyer for years and it is such a tricky line to walk. Some people wanted me to be completely professional, factual, quick, others wanted a side of tea and sympathy. Sometimes it wasn't easy to read. At the end of the day the bank had a job to do which is beyond offering tea and sympathy, though this particular person seems to have surpassed this by trying to flog you something on top of it.

Sorry you were upset. I wouldn't dwell on it though, you're upset because you have lost your parents, it's easy to transfer this grief to find offence where none was intended 🌸

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toriap2 · 15/07/2017 18:15

When I lost my husband, the bereavement team at the Halifax were amazing. I was treated so kindly and gently and everything was made as easy as it could be.

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StealthPolarBear · 15/07/2017 18:22

"I'm just ringing to see how many boxes you have to send back".
Bloody hell!

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tumblejumble · 15/07/2017 18:30

I work for santander and I am sorry you had this experience in branch. I would call through or go in person to speak to the manager and raise a complaint about this.

The customer service you have experienced is terrible.

Sorry for you loss op Flowers

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NoddysBell · 15/07/2017 18:36

Oh, fabulousathome you have my sincere sympathy Flowers. My dad died last year and all of this is so difficult, I felt like I was in an unreal situation, like it was happening to someone else.

My mum was treated appallingly by Virgin Media as the account was in my dad's name. They were unbelievably sloppy and cruel. They caused her so much stress and sorrow. Utter bastards.

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fabulousathome · 15/07/2017 18:40

Thanks everyone. What a nice bunch of Mumsnetters you all are!

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