Be Sure To Cancel Your Credit Cards Before You Die !!!

28
Found 12th Jun 2008
Only in Ireland !!!!

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 Cemetry, Finglas Road , Dublin11, Ireland , Plot Number 1049.'


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


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

28 Comments

..lol..

Banned

lol...like it

Did that really happen?

How can there be interest and late fee's on a ballance of £0,00?

Original Poster

Dont know but i can just imagine some jobsworth at a bank doing it !!!

Spriggan;2296394

Did that really happen?



snopes.com/bus…asp

Sorry but if im being daft, but did this really happen or is it for amusement only?

lol

but, sorry for this stupid questions..

is this real?

MinstrelMan;2296404

How can there be interest and late fee's on a ballance of £0,00?



It was an "anual service charge" for having the card :x

because they put the annual charge on the account and then charged interest fees and late fees on that. hence 0 becomes 60

MinstrelMan;2296404

How can there be interest and late fee's on a ballance of £0,00?



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

Looks like I was a bit slow lol!!

calmacuk;2296411

http://www.snopes.com/business/bank/deadcard.asp



Probably someone takin the mick cos they had enough of the banks! !MO

Sounds like one of those urban legends to me.

Banned

lol unreal

Sorry, missed that.

lesson is say no to anual fees

Thats just fantastic. Not just banks that do that though. I had a very similar situation with Virgin Media when a family member died. I was intrigued to know how they thought he could turn up if it finally went to court to settle the debt, medium maybe? Debt was less than £40. Some companies have no common sense, all they had to do was wait for probate.

Sloth/Mod

MinstrelMan;2296480

Sorry, missed that.lesson is say no to anual fees


Or try not to die. :thumbsup: Whichever is easier :-D

LOL!!! If it is real i feel really sorry for her family having to deal with all this as well as coping with their loss.

ahh thats hilarious 'sir thats a cementary' thats quality you should of recorded would of been a laugh.

omg roflmao

Syzable;2296514

Or try not to die. :thumbsup: Whichever is easier :-D



I'm working on a machine as we speak!

I had similar situation with a call centre in Bangladesh, they kep saying my mother had to pay her bill, i kept saying she was dead and they said "but that is not the point madam!". They didn't know what probate was and whilst the conversation was quite distressing for me at the time, i now look back at how farcical it was !!

how can you be sure to cancel your credit cards before you die?

does that mean, before you plan on getting run over by a bus, that you need to cancel them?

fitzybhoy;2296678

how can you be sure to cancel your credit cards before you die?does that … how can you be sure to cancel your credit cards before you die?does that mean, before you plan on getting run over by a bus, that you need to cancel them?



yes you should - plan ahead

nice one...!

looooooooooooool

lol - would they send debt collectors round?

Banned

Its probably not a real transcript - but wouldnt surprise me in the slightest if it were true.
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