I used to work at a Financial Management company, in Manchester city centre. You may of heard of it. I have posted my views on Mike Grech a few of times in the past, and it has featured on Watchdog a couple of times…
Basically, in principle, Financial Management it a damn good idea if you’re stupid. If you have 10 debts that you need to pay out at different times of the month, then FM companies arrange one payment per month that you pay to them, and they distribute the money for you. You can often pay a lot less per month too, because they negotiate with the creditors and can (potentially) have interest on loans frozen.
Anyway, I used to get phonecalls from people wanting to apply to use our service. What follows is a snippet of one conversation from one day. I don’t want to imply that the majority of phonecalls were like this, so please bear in mind that this is just a freak phonecall and does not represent the quality of the average conversation.
(I am in bold)
…And as a security question, can I take your mothers maiden name?
My mother is dead.
Oh, I’m sorry to hear that. Do you know what her maiden name was?
She died 15 years ago. Why?
As a security question. It’s the sort of thing that only you would know the answer to.
But she’s dead.
Yes, I know.
Well, when I SAY I know she’s dead, I don’t KNOW she’s dead as such. I’m obviously just taking your word for it.
WELL IT’S NOT THE SORT OF THING I’M GOING TO LIE ABOUT!
No, I know, I just need to ask you for a name that only you would know as the answer to my security question, and your mothers maiden name is a standard thing that only you would know.
My father knew it too. He married her, but he died 18 years ago. I don’t have any family left.
Can you tell me what your mothers maiden name was when she was alive?
…..*sigh – realising this wasn’t a surname*…. And what was her first name?
So before she was married, she was called Elsie Elsie?
No, before she was married everyone called her Elsie. After she was married everyone called her Mrs.Tarbatt.
So before she was married, did she have a surname?
LOOK, I’VE PHONED TO SORT OUT MY CREDIT NOT TO GO THROUGH MY EFFING FAMILY TREE.