Better pay off that Credit Card before you die

Brian D

Brian D

.
Feb 17, 2006
5,274
Lancer 27PS MCB Camp Pendleton KF6BL
[FONT=&quot]Note to self[/FONT][FONT=&quot]:[/FONT][FONT=&quot]'Cancel credit cards prior to death![/FONT][FONT=&quot]
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Be sure and cancel your credit cards before you die!
This is so priceless and so easy to see happening - customer service, being what it is today!

A lady died this past January, and the Royal Bank billed her for February and
March for their annual service charges on her credit card, and
Then added late fees and interest on the monthly charge. The balance had
Been $0.00, now is somewhere around $60.00.

A family member placed a call to the Royal Bank:
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]'I am calling to tell you that she died in January.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank:[/FONT][FONT=&quot]'The account was never closed and the late fees and charges still apply.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]'Maybe, you should turn it over to collections.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank:
[/FONT][FONT=&quot]'Since it is two months past due, it already has been..'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]So, what will they do when they find out she is dead?'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank PAC:
[/FONT][FONT=&quot]'Either report her account to the frauds division or report her to
The credit bureau, maybe both!'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]'Do you think God will be mad at her?'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank:
[/FONT][FONT=&quot]'Excuse me?'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]'Did you just get what I was telling you . . . The part about her
Being dead?'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank:
[/FONT][FONT=&quot]'Sir, you'll have to speak to my supervisor.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Supervisor gets on the phone:
Family Member:
[/FONT][FONT=&quot]'I'm calling to tell you, she died in January.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank:[/FONT][FONT=&quot]
'The account was never closed and the late fees and charges still apply.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]'You mean you want to collect from her estate?'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank:
[/FONT][FONT=&quot](Stammer) 'Are you her lawyer?'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]'No, I'm her great nephew.'
(Lawyer info given)
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank:
[/FONT][FONT=&quot]'Could you fax us a certificate of death?'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]'Sure.'
( fax number is given )

After they get the fax:
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank:
[/FONT][FONT=&quot]'Our system just isn't set up for death. I don't know what more I
Can do to help.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]'Well, if you figure it out, great! If not, you could just keep billing
Her. I don't think she will care.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank :
[/FONT][FONT=&quot]'Well, the late fees and charges do still apply.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]'Would you like her new billing address?'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank:
[/FONT][FONT=&quot]'That might help.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member:
[/FONT][FONT=&quot]' Rookwood Memorial Cemetery , 1249 Centenary Rd, Sydney Plot Number
1049.'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Royal Bank:
[/FONT][FONT=&quot]'Sir, that's a cemetery!'
[/FONT][FONT=&quot]
[/FONT][FONT=&quot]Family Member: [/FONT][FONT=&quot]'Well, what do you do with dead people on your planet?'........[/FONT]
 
jibes138

jibes138

.
Jan 27, 2008
3,083
ODay 35 Beaufort, NC
Brian D said:
Yeah, Right, JSG. LOL
Click to expand
the bank can put the power of compounding interest to work and in 50 years will have a huge receivable on their books as an asset. Imagine the bean counters when they have to write it off and take a one time charge. We seem to have lost all ability to think. Work is being changed to a series of steps to be followed in logical sequence. Next step is to turn it over to robots. Imagine having the dead person discussion with a computer.
 
Roadking Larry

Roadking Larry

.
Mar 30, 2013
700
Allied Seawind MK II 32' Oologah Lake, Oklahoma
justsomeguy said:
They'll just go after the decedent's heirs...
Click to expand
Only the estate is liable for debts incurred by the deceased. Unless someone is a cosigner on a debt there is nothing a debtor can do legally once the estate is properly liquidated. At least in the US that's the way the law is.
 
justsomeguy

justsomeguy

.
Feb 20, 2011
8,020
Island Packet 35 Tucson, AZ/San Carlos, MX
Define "heir".

So the creditors get first dibs before the estate is formally liquidated?
 
justsomeguy

justsomeguy

.
Feb 20, 2011
8,020
Island Packet 35 Tucson, AZ/San Carlos, MX
How about Canada or Scotland? I'm too busy to look it up myself! :D
 
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