Gransnet forums


funeral plans......bullying

(89 Posts)
boodymum67 Fri 04-Sep-20 15:18:38

I`ve recently been thinking we ought to get something sorted re this topic. We are 67 and 72. We have very little money and no life insurance.

I don't want to leave the sorting out to our daughters.

Hubby is reluctant to talk about the inevitable.

I rang a firm today and had to end the conversation abruptly, due to the attitude the saleswoman.

She took all our details and came up with a plan.
She wanted £300 deposit and a promise of £82 a month for a 10 year plan.....TODAY!

I said I couldn't give a yes or no without talking to my OH.

She became pushy, telling me what a bargain offer I was getting and began to bully me into speaking to my OH there and then.

I told her he was busy and I had to pick my moment when to broach the subject. She continued to bully me into making a decision.

I asked her to send the info in the post. She said it was a one day offer and would go up in price if not taken today.

I told her she was bullying me and rang off.

I have sent a complaint in and suggested she be re-trained in her telephone sales skills.

What would you have done?

Grannynannywanny Fri 04-Sep-20 15:30:20

I’m currently considering a funeral plan. But I wouldn’t go with a company with that kind of service. Any kind of “today only offer” is something I wouldn’t entertain as its unreasonable sales pressure. I’d walk away and go elsewhere.

Hetty58 Fri 04-Sep-20 15:39:32

I bet she gets commission! I'd have nothing to do with that company.

Decide what you want, a full funeral service or an unattended cremation, then shop around - perhaps on the internet this time - for quotes.

I opted for the cremation as that leaves my family free to hold a memorial service or just scatter my ashes. All the 'necessities' are pre-arranged and paid for.

jenpax Fri 04-Sep-20 15:39:44

Which company was this? Hard sell isn’t allowed under the distance selling rules
Citizens advice say this

Check if you were pressured into buying somethingAdd reference

Being pressured into buying something is known as 'aggressive selling'. Aggressive selling can include things like:

entering your home and refusing to leave until you buy something
using scare tactics to convince you that you need something - for example saying that your health would be at risk if you didn't buy the product
telling you you've ordered something you haven't
constantly contacting you and pestering you into buying something
using guilt to force you to buy something - for example, telling you they'll lose their job if you don't

A salesperson arrives at your house. You ask them to leave but they say they need to get a sale today or they’ll lose their job. They want you to buy an expensive mattress that you don’t need or can’t afford, and they give you a piece of paper that says you can pay the mattress off over the next 12 months. You sign just so that they’ll leave your house.
If you think a seller might have been aggressive but you're not sure if you're entitled to a refund you should contact the Consumer Service and explain what's happened. They'll advise you on your rights.

silverlining48 Fri 04-Sep-20 15:46:56

Boodymum if my maths are correct those figures amount to £98,700.

Grannynannywanny Fri 04-Sep-20 15:47:26

The quote of over £10k sounds excessive. On the thread earlier this week about funeral plans there were lots of helpful suggestions. Golden Charter was mentioned, I think by Marydoll.

I had a look online and their website shows a helpful comparison chart and you can see clearly the different levels of cover. Anything from cremation only and no service through to the full service with 2 family limousines etc. I’m still mulling over the options. You might find a look at that website helpful and you’re under no pressure while browsing.

DiscoDancer1975 Fri 04-Sep-20 15:47:43

Exactly what you did. The last thing you need when you’re trying to make important decisions, is a bully prodding you.

silverlining48 Fri 04-Sep-20 15:49:07

Maths are not correct... Apologues, what a difference an extra zero makes.

EllanVannin Fri 04-Sep-20 15:54:54

The woman is clearly in the wrong job.

Txquiltz Fri 04-Sep-20 16:00:28

Bullying is often a smokescreen for a scam.

Starblaze Fri 04-Sep-20 16:00:32

If someone has to bully you into accepting an offer, it is because it isn't a good one.

I expect she was after a sales bonus.

Good for you for saying no and I hope you find a better company

Luckygirl Fri 04-Sep-20 16:01:24

I have just paid £2500 for an excellent service for my OH. I do think that you have to make sure that you do not get bamboozled into paying more on one of these plans than is necessary.

Well done for standing up to this woman - I would have been tempted to simply put down the phone.

Hetty58 Fri 04-Sep-20 16:02:39

EllanVannin, yes, she should be in double glazing! I used Pure Cremation, simple, straightforward - and cheap!

Hellogirl1 Fri 04-Sep-20 16:06:48

My husband`s funeral/cremation, nearly 4 years ago, was £2,300, including 2 cars, which, compared to what gets quoted on TV, I thought was reasonable.

jeanrobinson Fri 04-Sep-20 18:04:41

My late husband (a canny Yorkshireman), left instructions that he was to have "the cheapest possible funeral", and we went to the local Co-op undertaker with that. I benefited from the money he left, and have left similar instructions for my children.

Oopsminty Fri 04-Sep-20 18:09:54

I'd have done the same as you, boodymum67

LadyBella Fri 04-Sep-20 18:10:31

Beware of salespeople in your home or on the phone. I'd suggest visiting a Funeral place, such as the Co-op perhaps, and see what the options are.

Witzend Fri 04-Sep-20 19:33:17

I hope you find a deal you’re happy with OP, that is if you still think it’s a good idea.

This sort of tactic - ‘You have to say yes NOW - the offer’s only for today!’ is sadly all too common - I’ve experienced it from a double glazing salesman, and from someone who came to quote for fitted wardrobes.
I didn’t order from either.

Someone from the DG company phoned later to ask why I hadn’t ordered. I said I found that sort of sales pitch completely off-putting, and it was an insult to anyone’s intelligence to try to kid them that this ‘special offer’ was just for them, just for today.

Davidhs Fri 04-Sep-20 19:49:32

A straightforward cremation or burial in this area is £2500 - £3000 any memorial or wake would be extra. The cost would come out of your estate, you don’t need a funeral plan it’s just another way of getting money out of you. Keep a reasonable balance in your building society account, transfer £50 or so a month is an easy way of doing it.

Floradora9 Sat 05-Sep-20 16:27:19

We had a financial advisor visit us . We had spoken on the phone already and he wanted to speak about a funeral plan . I cut him off there and then but when he visited he brought it up again. Must be good commission for them . Look at the Co-Op though I would never have one . Just a direct cremation for us no funeral at all .

Coconut Sun 06-Sep-20 09:43:19

I would’ve just put the phone down on her the very second that I felt pressurised. I know businesses are desperate for cash at present but this is just unacceptable. Am sure Age Concern would offer good advice.

janestheone Sun 06-Sep-20 09:44:27

I took out a life insurance policy, £50 a month, my two adult children as beneficiaries. It would pay out about £9K if I died today, which is enough for a funeral. If I live to 86 (another 20 years) it won’t make financial sense any more. If I make it that far and am of sound mind I’ll buy a funeral plan. No OH to consider.

sazz1 Sun 06-Sep-20 09:49:01

I would have hung up as soon as she put any pressure on ie talk to husband now, only for today etc

MerylStreep Sun 06-Sep-20 09:52:16

If having a funeral is important to you and yours then you have to find something that suits your finances.
Or, you could do as we have done and donate your body to science.

Moggycuddler Sun 06-Sep-20 09:52:28

My husband and I went with Pure Cremations. £1,500 each for body collection, cremation and ashes returned. The money is protected and the company and service are helpful, polite, and get excellent reviews. You can arrange a payment plan. They are easy to find online and will send you a brochure.