Lloyds Bank Credit Card - Deceased Customer

[blackambermay]

My father died in October and we informed all that needed to know, one of which was Lloyds Bank. They assured us that all accounts were frozen including the credit card,

 

however we popped to my fathers house today to collect any mail and found this months credit card statement. They have sent a default notice and are still applying interest. I was of the understanding that interest is frozen so that Probate can be arranged to clear all debts.

 

How are they intending on enforcing the interest payment if one party of their agreement is deceased.

 

I can see that they have half acknowledged the information as the "Available to spend" reads Account closed where the previous month has the difference between the credit limit and amount outstanding.

 

it just feels as though Lloyds Bank are exploiting the situation here. They know he is dead but still carrying on regardless. It feels very bad taste but given the way they have behaved over the last few years, I can't say as I am surprised, just saddened.

 

[blackambermay]

Yes, regretably he does!

I have written a letter just, giving them one of two options, either freeze the account as they had told three of us on three different occasions that they had or apply for a court order for the interest.

 

I have no issues with going after them if they touch the other account, to default a deceased customer demanding payment of two missing payments is not acceptable.

 

He is dead, how on earth are they expecting him to make good on the account?

 

He was with Lloyds for over 50 years. I don't know what has happened to turn them into the cold soul less people that they are.

 

 

 

[blackambermay]

I just wanted to come back and update this as things changed as of this morning, for the benefit of others in the same situation really. Lloyds have agreed to the balance that was due in October and we have mutually agreed that the settlement is to be taken from the current account in full today. Credit card is now clear and november/december interest was withdrawn.

Nice to have a good result and so quickly too.