Cancel Credit Cards before you die.

allan40alt · 12th March 2008, 13:28

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 MBNA 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 that
had been £0.00 now is somewhere around £60.00.

A family member placed a call to the MBNA Bank:

Family Member:
"I am calling to tell you that she died in January."

MBNA:
"The account was never closed and the late fees and charges
still apply."

Family Member:
"Maybe, you should turn it over to collections."

MBNA:
"Since it is two months past due, it already has been."

Family Member:
"So, what will they do when they find out she is dead?"

MBNA:
"Either report her account to the frauds division or report her to The Credit Bureau, maybe both!"

Family Member:
"Do you think God will be mad at her?"

MBNA:
"Excuse me?"

Family Member:
"Did you just get what I was telling you . . . The part about her being dead?"

MBNA:
"Sir, you'll have to speak to my supervisor."

Supervisor gets on the phone:
Family Member:
"I'm calling to tell you, she died in January."

MBNA:
"The account was never closed and the late fees and charges still apply."

Family Member:
"You mean you want to collect from her estate?"

MBNA:
(Stammer) "Are you her lawyer?"

Family Member:
"No, I'm her great nephew."
(Lawyer info given)

MBNA:
"Could you fax us a certificate of death?"

Family Member:
"Sure." (fax number is given )

After they get the fax:

MBNA:
"Our system just isn't set up for death. I don't know what more I can do to help."

Family Member:
"Well, if you figure it out, great! If not, you could just keep billing her. I don't think she will care."

MBNA:
"Well, the late fees and charges do still apply."

Family Member:
"Would you like her new billing address?"

MBNA:
"That might help."

Family Member:
"Glasnevin Cemetery, Finglas Road, Dublin 11, Ireland, Plot Number 1049."

MBNA:
"Sir, that's a cemetery!"

Family Member:
"Well, what the f*** do you do with dead people on your planet?"

------------------------------------------------------------

sonicsteve · 12th March 2008, 13:42

I had a similar experience with Capital One when my dad died. Although they did accept the Death Certificate they kept on sending new bills including fees for non payment.

Eventually they realised they weren't going to get any money and went away.

TTDegs · 12th March 2008, 17:14

Sonic Steve - this post not meant to offend in any way!

Allan - good story, but it has been doing the rounds

Urban Legends Reference Pages: Bank Charges From the Dead

allan40alt · 12th March 2008, 17:22

Quote:

Originally Posted by TTDegs

Sonic Steve - this post not meant to offend in any way!

Allan - good story, but it has been doing the rounds

Urban Legends Reference Pages: Bank Charges From the Dead

Sorry, I just thought it was a joke anyway.

I only received it today.

sonicsteve · 12th March 2008, 18:05

Guys really not a problem I haven't taken offense, I hadn't even realised it was supposed to be a joke. It's funny but because of my experience I thought it was a real post. Just goes to show how many of these "Urban Legends" are based in truth.

TTDegs · 12th March 2008, 18:55

Quote:

Originally Posted by allan40alt

Sorry, I just thought it was a joke anyway.

I only received it today.

no worries from me Allan!

Kremmen · 13th March 2008, 07:11

I had the gas people come to cut us off many years ago when I shared a flat - with no gas.

The look on his face was priceless when we invited him in and showed him the capped pipe.

richierich · 13th March 2008, 11:00

I was warned by our surveyor when we bought our new house that the electric showers should be inspected as a matter of urgency. We don't have electric showers.

Charles_Harding · 13th March 2008, 12:26

Quote:

Originally Posted by allan40alt

Sorry, I just thought it was a joke anyway.

I only received it today.

Cancelled mine anyway.

Can't take chances with things like that.

Going to Vegas now with wads of Dollar Bills hanging from every nook and cranny!

"It' been a rough day!
Got up this morning, put my shirt on and a button fell off!
Made a cup of tea and the mug handle fell off!
Scared to go to the bathroom now!

allan40alt · 13th March 2008, 12:38

Quote:

Originally Posted by Charles_Harding

Going to Vegas now with wads of Dollar Bills hanging from every nook and cranny!

Hope you win then; wouldn't like the thought of them getting back into public circulation!

Have a great time.

Charles_Harding · 13th March 2008, 14:03

Quote:

Originally Posted by allan40alt

Hope you win then; wouldn't like the thought of them getting back into public circulation!

Have a great time.

With the amount of money Lady H. and I are taking, if we don't win my circulation might stop!

I like Chicken Tarka.
It's like Chicken Tikka, but it's a little otter!"

Charles_Harding · 1st April 2008, 11:27

Quote:

Originally Posted by richierich

I was warned by our surveyor when we bought our new house that the electric showers should be inspected as a matter of urgency. We don't have electric showers.

What has happened to Richierich?

Did he not take his surveyor's advice and get that shower checked?

.....pop!

......hope not!

"Neil Armstrong's real first words on stepping on the moon were:
'No way any cow jumped over this!'!"

12th March 2008, 13:28	#1 (permalink)
allan40alt Supporter Civinfo guru Join Date: 6th August 2006 Location: Rugby, Warwickshire. Posts: 2,145 Thanks: 8 Thanked 28 Times in 27 Posts	Cancel Credit Cards before you die. 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 MBNA 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 that had been £0.00 now is somewhere around £60.00. A family member placed a call to the MBNA Bank: Family Member: "I am calling to tell you that she died in January." MBNA: "The account was never closed and the late fees and charges still apply." Family Member: "Maybe, you should turn it over to collections." MBNA: "Since it is two months past due, it already has been." Family Member: "So, what will they do when they find out she is dead?" MBNA: "Either report her account to the frauds division or report her to The Credit Bureau, maybe both!" Family Member: "Do you think God will be mad at her?" MBNA: "Excuse me?" Family Member: "Did you just get what I was telling you . . . The part about her being dead?" MBNA: "Sir, you'll have to speak to my supervisor." Supervisor gets on the phone: Family Member: "I'm calling to tell you, she died in January." MBNA: "The account was never closed and the late fees and charges still apply." Family Member: "You mean you want to collect from her estate?" MBNA: (Stammer) "Are you her lawyer?" Family Member: "No, I'm her great nephew." (Lawyer info given) MBNA: "Could you fax us a certificate of death?" Family Member: "Sure." (fax number is given ) After they get the fax: MBNA: "Our system just isn't set up for death. I don't know what more I can do to help." Family Member: "Well, if you figure it out, great! If not, you could just keep billing her. I don't think she will care." MBNA: "Well, the late fees and charges do still apply." Family Member: "Would you like her new billing address?" MBNA: "That might help." Family Member: "Glasnevin Cemetery, Finglas Road, Dublin 11, Ireland, Plot Number 1049." MBNA: "Sir, that's a cemetery!" Family Member: "Well, what the f*** do you do with dead people on your planet?" ------------------------------------------------------------

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This thread is about: Cancel Credit Cards before you die., it's in Any non Civic chat here please! at the Honda Civic forum Civinfo; Be sure and cancel your credit cards before you die! This is so priceless And so easy to see happening - customer service, being what ...

12th March 2008, 13:42	#2 (permalink)
sonicsteve Gadgeteer Locking Wheelnut Join Date: 27th April 2006 Location: Banbury Posts: 115 Thanks: 0 Thanked 0 Times in 0 Posts	I had a similar experience with Capital One when my dad died. Although they did accept the Death Certificate they kept on sending new bills including fees for non payment. Eventually they realised they weren't going to get any money and went away.

12th March 2008, 17:14	#3 (permalink)
TTDegs Super Moderator Civinfo master Join Date: 4th August 2006 Location: Cardiff Posts: 5,638 Thanks: 0 Thanked 0 Times in 0 Posts	Sonic Steve - this post not meant to offend in any way! Allan - good story, but it has been doing the rounds Urban Legends Reference Pages: Bank Charges From the Dead

12th March 2008, 18:05	#5 (permalink)
sonicsteve Gadgeteer Locking Wheelnut Join Date: 27th April 2006 Location: Banbury Posts: 115 Thanks: 0 Thanked 0 Times in 0 Posts	Guys really not a problem I haven't taken offense, I hadn't even realised it was supposed to be a joke. It's funny but because of my experience I thought it was a real post. Just goes to show how many of these "Urban Legends" are based in truth.

13th March 2008, 07:11	#7 (permalink)
Kremmen Krem de la Krem Civinfo guru Join Date: 7th January 2007 Location: West London Posts: 2,419 Thanks: 3 Thanked 8 Times in 8 Posts	I had the gas people come to cut us off many years ago when I shared a flat - with no gas. The look on his face was priceless when we invited him in and showed him the capped pipe.

13th March 2008, 11:00	#8 (permalink)
richierich Smell My Cheese! Rocketship door handle Join Date: 17th May 2006 Location: Bicester, Oxfordshire Posts: 1,844 Thanks: 0 Thanked 0 Times in 0 Posts	I was warned by our surveyor when we bought our new house that the electric showers should be inspected as a matter of urgency. We don't have electric showers.