Hi,
I actually posted about this a while ago but I need some further clarification/perspective. Please can I ask that if you respond, it's to answer my questions and not to flame/criticise my mum - We already know that this is not an ideal situation.
Mum is 75 and widowed. She was struggling financially over a year ago but was too proud to tell us. At that point she had about 10K in credit card debt. She applied for a further card from the a different bank ( mainstream bank). She applied online but received an error message. She reattempted later on and it worked. A week later two cards arrived - the exact same product. She was issued with two different customer numbers just one digit apart from each other.
She has run up a balance on both cards that is not affordable. We know that this has to be paid back and WE ARE NOT ASKING FOR IT TO BE WIPED. However I think that it was wrong/erronous of the company to allow two cards.
So my questions are -
1 - would it been a banking error to issue a customer two identical credit cards ( identical limits etc) on the same day?
2 - would this class as irresponsible lending
3 - mum's income is a pension and a very small private pension - I know that they can't discriminate for age but should this have not been considered
4 - would we have a change of getting the interest wiped?
We are currently waiting for a response and I have permission to speak to the bank on her behalf. I am disappointed that she didn't ask me for help earlier but I also feel that she has been treated unfairly.
I know that she should have cut one up/sent one back etc, but in the middle of some financial issues she made the wrong choice -surely they should never have issued these cards?
AIBU in thinking that this was irresponsible of the bank?