Absolutely Priceless You just couldnt make it up

[TWITTER]

CANCEL YOUR CREDIT CARD BEFORE YOU DIE ....... JUST PRICELESS

Reported in the Newcastle Evening Chronicle U.K. recently:

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 September, and MBNA bank billed her in October and November for their annual service charges on her credit card, and then in December 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 my grandma died in September.'

MBNA: 'But the account was never closed and so the late fees and charges still apply.'

Family Member: 'Maybe, you should turn it over to your collections section.'

MBNA: ‘Since it is two months over 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 Department 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 September.'

MBNA: 'But 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 solicitor?'

Family Member: 'No, I'm her grandson'

MBNA: 'Could you fax us a death certificate?'

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 will still apply.'

Family Member: ‘Would you like her new billing address?'

MBNA: 'That would help.'

Family Member: ' Plot 1049.' Heaton Cemetary, Heaton Road , Newcastle upon Tyne

MBNA: 'But, that's a cemetery!'

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

The MBNA were not available for comment when a reporter from the Newcastle Evening Chronicle rang them.

[Guesty]

That's classic.

It just shows how brain dead some people are. You have to wonder how a clown like that gets to a supervisor position. He must be a good ass-kisser.

[The Year Of The Fox]

Brilliant! Not much hope for people if he's in a managerial role

[Finnegan]

It's probably massively exaggerated and, as cruel as it is, are debts not generally passed in the event of a death anyway?

I don't really know that much about personal finance, if I'm honest, but if I've got - say - a mortgage and I die does it not become my family's responsibility to pay it off?

[The Year Of The Fox]

It's probably massively exaggerated and, as cruel as it is, are debts not generally passed in the event of a death anyway?

I don't really know that much about personal finance, if I'm honest, but if I've got - say - a mortgage and I die does it not become my family's responsibility to pay it off?

If you have life insurance covering such an event then no (for a mortgage)

[jonthefox]

It's probably massively exaggerated and, as cruel as it is, are debts not generally passed in the event of a death anyway?

I don't really know that much about personal finance, if I'm honest, but if I've got - say - a mortgage and I die does it not become my family's responsibility to pay it off?

It does make sense to have some kind of insurance. Especially if your leaving your house to someone.It doesn't cost that much.

[FantasticMrFuchs]

This does happen, My flatmate and best friend past away a couple of years ago and despite death certificates being sent several times they still continued to hound both myself and his Mum. It took 6 months to sort out and all fees were dropped. Just wish these people would see some common sense at times.

[Daggers]

I'd imagine they do it as policy due to the numbers of Jeremy Kyle Show types claiming to be dead to get out of paying.

[Out Foxed]

Brilliant! Not much hope for people if he's in a managerial role

unfortunately as long as these type of people do what they're told to the letter and cause no fuss. they're exactly the type of muppets that get into managerial roles.

[DANGEROUS TIGER]

Gordon Bennett!

[Saxondale]

It's probably massively exaggerated and, as cruel as it is, are debts not generally passed in the event of a death anyway?

I don't really know that much about personal finance, if I'm honest, but if I've got - say - a mortgage and I die does it not become my family's responsibility to pay it off?

Your 'estate' would pay it off. This is the job of a probate solicitor to sort out. I don't think estate beneficiaries carry liability for debt. So, in death, your liability is only as far as your assets and the worst case scenario is an estate worth zero.

[Captain...]

Your 'estate' would pay it off. This is the job of a probate solicitor to sort out. I don't think estate beneficiaries carry liability for debt. So, in death, your liability is only as far as your assets and the worst case scenario is an estate worth zero.

But she wasn't in debt when she died, it was the annual credit card fee which pushed her over the limit and then subsequently caused her to default on payment and then get charged late fees. All of which happened after she died.

[Saxondale]

But she wasn't in debt when she died, it was the annual credit card fee which pushed her over the limit and then subsequently caused her to default on payment and then get charged late fees. All of which happened after she died.

Didn't say she was, I was just answering Finnegan's question.

[Captain...]

Didn't say she was, I was just answering Finnegan's question.

It was more of a response to the original question by Finnegan about debts being passed on when you die, in this case there was no debt to pass on, which is what makes a bit of a nonsense. Is it the responsibility of the family to cancel credit cards, or should it have been done automatically when notice of death was issued?

[Saxondale]

It was more of a response to the original question by Finnegan about debts being passed on when you die, in this case there was no debt to pass on, which is what makes a bit of a nonsense. Is it the responsibility of the family to cancel credit cards, or should it have been done automatically when notice of death was issued?

Well the creditor can only act on what they're told. As to whether the charges still stand post-death but due to not being notified - I don't know. Probably one of those things that if you argue, they'll wipe them, if not they'll pursue the estate.

[Rincewind]

Good way out of not paying those you owe. Just write and tell them you are dead.

[Bayfox]

No wonder this country has so much wrong with it.