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MBNA declining to reissue card after wife changed name

fathabit_2
Posts: 7 Forumite
in Credit cards
The wife has had an MBNA/Virgin card for the last few years. Always paid by direct debit, on time, never used as cash withdrawal etc. Called them last week to change her name, was told a new card would be reissued. Had a snotty letter today declining to reissue card due to current financial standing/and or conduct. Usual blah blah Equifax Experian etc.
Other cards have been reissued as a matter of course no problem.
Wife has written to MBNA numpties but is FURIOUS!!:mad:
Any thoughts or suggestions greatly appreciated. Thanks.
Other cards have been reissued as a matter of course no problem.
Wife has written to MBNA numpties but is FURIOUS!!:mad:
Any thoughts or suggestions greatly appreciated. Thanks.
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Comments
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Did your wife have a balance on her account?
If not they may have put it through as an application for a new card in her new name and closed the old account, in which case I'd expect her to be declined as I doubt all the other accounts are updated as haing her new name on her credit file, or the electoral role for that matter.
Unfortunately it's just something you'll have to grin and bear I'm afraid. Once all her accounts and electoral role data have updated with her new name on the credit files you should be able to open a card with another provider in place of the MBNA one. Assuming she has good credit, of course.Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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What was the purpose of changing the name? If it was by deed poll and not through marriage they will do generic checks (and it is MBNA's policy to research your profile) at which point it will show no updated credit profile information and they may have negated the card and account services on those grounds.0
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There is a balance on the account and she changed her name by marriage not deed poll. She has checked her credit reports and all is fine; up-to-date with payments, never been late.
Thanks guys0 -
MBNA can choose to have who they wish as a customer.0
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If you're keen to fight it, you could try on PC/discrim grounds. "The wife" should write a complaint saying nothing has changed except becoming a married woman. She chose to take her husband's family name (as is common) and this has triggered a loss of credit facility. Remind them of their regulatory obligation to treat customers fairly. Then the FOS if no success.
Well, there could be legitimate reasons behind all this and it might not be worth the candle...0 -
Did she recently get a current account or other financial product that is joint with you? If she did and did not have a joint financial product before, one change is that lenders will now see your record as well as hers when they check her credit report. If yours is much less good than hers this could have a negative effect on her credit availability.
If this is the cause, there's little ground to complain, since use of information about financial associates is a legitimate practice as long as they keep the shared products.0 -
chattychappy wrote: »She chose to take her husband's family name (as is common) and this has triggered a loss of credit facility.
Equally, MBNA could (and more than likely will) state that they have chosen to review the accounts and decided no longer to offer the credit facility. Whats more, they will state the process behind this is "business sensitive" and cannot be disclosed.No Longer works for MBNA as of August 2010 - redundancy money will be nice though.
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no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date0 -
Ok fair enough, MBNA can decide whether to reissue her card or not (under terms and conditions) BUT COME ON, she rang to inform them that she now is married and have a different surname and need a new card to update her new name. I honestly don't see the logic of MBNA's decision not to reissue her MBNA card. Had she not bothered to call MBNA then she would have continue to use the MBNA card. I think it's grossly unfair.0
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Equally, MBNA could (and more than likely will) state that they have chosen to review the accounts and decided no longer to offer the credit facility. Whats more, they will state the process behind this is "business sensitive" and cannot be disclosed.
I find it all a little odd, other card providers changed her name straight away and reissued cards. MBNA also said on the phone that they were sending out the new card, so we've asked for a copy of the telephone conversation.0
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