Steve Slatin on fri 11 jun 10
debunked as a legend on Snopes, see
http://www.snopes.com/business/bank/deadcard.asp
Interesting that the message starts with
"there are idiots all over the planet" and=3D20
then proceeds to demonstrate it by getting
people to forward the message all over the
internet.
Steve Slatin --=3D20
--- On Fri, 6/11/10, Edouard Bastarache wrote:
> Message
>=3D20
>=3D20
> THERE ARE IDIOTS ALL OVER THE PLANET
>=3D20
>=3D20
> =3DA0 =3DA0 =3DA0 =3DA0 =3DA0 Cancel your credit card
> before you die.
>=3D20
> =3DA0 =3DA0 =3DA0 =3DA0 =3DA0 Now some people are
> really stupid!!!!=3D0A=3D0A=3D0A
Lis Allison on fri 11 jun 10
This is sort of like one of those urban myths, guys. In actuality, when
someone dies their executor is supposed to cancel credit cards, bank
accounts etc. If no-one does, then indeed certain accounts can accrue
charges for fees.
The owner of the account being dead in no way absolves the owner's heirs.
Sorry about that, I sound bad tempered I know, and maybe I am after a
rotten day, but I had to say something.
Lis
--
Elisabeth Allison
Pine Ridge Studio
www.Pine-Ridge-Studio.blogspot.com
Edouard Bastarache on fri 11 jun 10
Message
THERE ARE IDIOTS ALL OVER THE PLANET
Cancel your credit card before you die.
Now some people are really stupid!!!!=3D20
Be sure and cancel your credit cards before you die. =3D20
This is so priceless, and so, so easy to see happening, =3D
customer service being what it is today.=3D20
A lady died this past January, and Citibank billed her for =3D
February and March for their annual service charges on her credit card, =3D
and added late fees and interest on the monthly charge. The balance had =3D
been $0.00 when she died, but now somewhere around $60.00. A family =3D
member placed a call to Citibank.=3D20
Here is the exchange :
Family Member: 'I am calling to tell you she died back in =3D
January.'
Citibank: 'The account was never closed and the late fees and =
=3D
charges still apply.'=3D20
Family Member: 'Maybe, you should turn it over to =3D
collections.'
Citibank: 'Since it is two months past due, it already has =3D
been'=3D20
Family Member: So, what will they do when they find out she is =
=3D
dead?'=3D20
Citibank: 'Either report her account to frauds division or =3D
report her to the credit bureau, maybe both!'=3D20
Family Member: 'Do you think God will be mad at her?'=3D20
Citibank: 'Excuse me?'
Family Member: 'Did you just get what I was telling you - the =3D
part about her being dead?'
Citibank: 'Sir, you'll have to speak to my supervisor.'=3D20
Supervisor gets on the phone:
Family Member: 'I'm calling to tell you, she died back in =3D
January with a $0 balance.'=3D20
Citibank: 'The account was never closed and late fees and =3D
charges still apply.'=3D20
Family Member: 'You mean you want to collect from her estate?' =
=3D
Citibank: (Stammer) 'Are you her lawyer?'
Family Member: 'No, I'm her great nephew.' (Lawyer info was =3D
given) =3D20
Citibank: 'Could you fax us a certificate of death?'
Family Member: 'Sure.' (Fax number was given )=3D20
After they get the fax :
Citibank: 'Our system just isn't setup for death. I don't know =
=3D
what more I can do to help.'=3D20
Family Member: 'Well, if you figure it out, great! If not, you =
=3D
could just keep billing her. She won't care.'
Citibank: 'Well, the late fees and charges will still apply.' =
=3D
(What is wrong with these people?!?)
Family Member: 'Would you like her new billing address?' =3D
Citibank: 'That might help..'
Family Member: 'Odessa Memorial Cemetery, Highway 129, Plot =3D
Number 69.'
Citibank: 'Sir, that's a cemetery!'=3D20
Family Member: 'And what do you do with dead people on your =3D
planet???'=3D20
Priceless!!
=3D20
Larry Kruzan on sat 12 jun 10
Hi Lis and all,
So if my (fictional) great aunt Gertrude, who never married and has no othe=
r
family, decides that she will run up all her credit cards, mortgages her
house, and buys a new car before she dies - I would be responsible for her
debts when she dies?
-----Original Message-----
From: Clayart [mailto:Clayart@LSV.CERAMICS.ORG] On Behalf Of Lis Allison
Sent: Friday, June 11, 2010 7:08 PM
To: Clayart@LSV.CERAMICS.ORG
Subject: Re: Fw: Cancel your credit card before you die.....
This is sort of like one of those urban myths, guys. In actuality, when
someone dies their executor is supposed to cancel credit cards, bank
accounts etc. If no-one does, then indeed certain accounts can accrue
charges for fees.
The owner of the account being dead in no way absolves the owner's heirs.
Sorry about that, I sound bad tempered I know, and maybe I am after a
rotten day, but I had to say something.
Lis
--
Elisabeth Allison
Pine Ridge Studio
www.Pine-Ridge-Studio.blogspot.com
=3D=3D=3D=3D=3D=3D=3D
Email scanned by PC Tools - No viruses or spyware found.
(Email Guard: 7.0.0.18, Virus/Spyware Database: 6.15200)
http://www.pctools.com/
=3D=3D=3D=3D=3D=3D=3D
Carl Cravens on sat 12 jun 10
On 06/12/2010 08:01 PM, Phoenix Rising Farm wrote:
> Use a lawyer instead. They are bound by law to accede to your wishes
> according to your will.
Or do like my grandpa did... give all the stuff you want people to have *be=
fore* you die. Not only do you know they received it, you're still around =
to see how much they appreciate it.
Just wish my grandpa hadn't had experience with my little brother before he=
gave me his woodworking hand tools... "Now I don't want you to sell these.=
..." Heck, no, I've still got 'em over ten years later and used the antiqu=
e cast-iron miter
box and jack plane this past week. Always reminds me of him when I do.
--
Carl D Cravens (raven@phoenyx.net)
It's only a hobby ... only a hobby ... only a
Phoenix Rising Farm on sat 12 jun 10
Having just recently been through this, let me mention one other thing
people may not know (and yes, I found out the hard way):
There is no advocacy for the dead. In NONE of the 50 states is an executor
REQUIRED by law to abide by the terms of the will, IF the executor is a
family member.
I checked with my attorneys in FL, CT, VT and ME, and they all told me
the same thing.
So if you're expecting one of your kids to play fair once you die and
divvy up your estate the way YOU want,
chances are it AIN'T GONNA HAPPEN. Nice, huh? Your precious antique
potter's wheel and donkey drawn pug mill could be sold
to the highest bidder on EBay instead of going to niece Persnickety as
you wanted.
Use a lawyer instead. They are bound by law to accede to your wishes
according to your will.
Family members are not.
And trust me...Persnickety WILL be pissed off.
Best,
Wayne Seidl
On 6/11/2010 8:08 PM, Lis Allison wrote:
> This is sort of like one of those urban myths, guys. In actuality, when
> someone dies their executor is supposed to cancel credit cards, bank
> accounts etc. If no-one does, then indeed certain accounts can accrue
> charges for fees.
>
> The owner of the account being dead in no way absolves the owner's heirs.
>
> Sorry about that, I sound bad tempered I know, and maybe I am after a
> rotten day, but I had to say something.
>
> Lis
>
> --
> Elisabeth Allison
> Pine Ridge Studio
> www.Pine-Ridge-Studio.blogspot.com
>
>
--
Phoenix Rising Farm
393 on the Houlton Road
Waite, Maine 04492
A proud member of the
Washington County Food Alliance
Chris Campbell on sat 12 jun 10
Much as I hate to contradict Snopes ...
I had a similar conversation with a credit card company
after a death in the family ... it was very difficult to
convince this person that while the card was good almost
anywhere, he would not be using it anytime soon.
It almost seemed like a Monty Python skit ... you
remember the one with the dead parrot?
So this is not third hand, friend of a friend or
someone you heard about ... I had this conversation
with a very stubborn credit card 'service' rep.
Chris Campbell - in North Carolina
Chris Campbell Pottery LLC
Designs in Colored Porcelain
www.ccpottery.com
POTTERS COUNCIL CONFERENCE
'Handbuilding'
May 28 - 30, 2010
Atlanta Georgia
Hosted by: Spruill Center for the Arts
Presenters:
Chris Campbell, Marko Fields, Patz Fowle,
Mitch Lyons, Sandi Pierantozzi & Kathy Triplett
http://ceramicartsdaily.org/education/
SUMMER WORKSHOP
August 15-21, 2010
Touchstone Center for Crafts
1049 Wharton Furnace Road
Farmington PA 15437
1.800.721.0177
http://www.touchstonecrafts.com
Lis Allison on sun 13 jun 10
On June 13, 2010, you wrote:
> Hi Lis and all,
>
> So if my (fictional) great aunt Gertrude, who never married and has no
> other family, decides that she will run up all her credit cards,
> mortgages her house, and buys a new car before she dies - I would be
> responsible for her debts when she dies?
I don't really know, but I believe that, at least here in Canada, if she
didn't have life insurance on those debts, yep.
(When my mother was 80 she bought a house. For the first time in her life
she had a mortgage. The bank couldn't refuse her request on the basis of
her age, she had adequate income for the payments, and a 50% down payment,
but they called my brother in and asked him to co-sign. He pointed out
that as her legal heir he would be responsible for her debts anyway, but
they said that this way he wouldn't argue about it!)
Lis
--
Elisabeth Allison
Pine Ridge Studio
www.Pine-Ridge-Studio.blogspot.com
Robert Harris on sun 13 jun 10
Typo in last para! "CAN'T" go after anyone.
On Sun, Jun 13, 2010 at 12:24 PM, Robert Harris wr=
ote:
> I'm not sure that you are correct in saying that "heirs" have a
> responsibility for debts. Her estate, on the other hand does.
>
> In other words if Great Aunt Gertrude dies with $1,000 of credit card deb=
t
> and has no belongings to speak of then they cannot go after her relatives=
.
> If she dies with $1,000 in the bank, or a couple of nice Lucie Rie pots,
> then the credit card companies can reclaim their money from that.
>
> On the other hand having "heirs" means there is something to inherit, and
> it is this something which will have to be sold in order to cover her deb=
ts,
> so it's possible this is what they meant. However if her belongings do no=
t
> cover her debts then they can go after anyone for the remainder of the
> money. In the case of your mother, her heirs would have had to have sold =
her
> house (which was part of her estate) to pay off the mortgage.
>
>
> R
>
>
>
>
>
> On Sun, Jun 13, 2010 at 9:39 AM, Lis Allison wrote:
>
>> On June 13, 2010, you wrote:
>> > Hi Lis and all,
>> >
>> > So if my (fictional) great aunt Gertrude, who never married and has no
>> > other family, decides that she will run up all her credit cards,
>> > mortgages her house, and buys a new car before she dies - I would be
>> > responsible for her debts when she dies?
>>
>> I don't really know, but I believe that, at least here in Canada, if she
>> didn't have life insurance on those debts, yep.
>>
>> (When my mother was 80 she bought a house. For the first time in her lif=
e
>> she had a mortgage. The bank couldn't refuse her request on the basis of
>> her age, she had adequate income for the payments, and a 50% down paymen=
t,
>> but they called my brother in and asked him to co-sign. He pointed out
>> that as her legal heir he would be responsible for her debts anyway, but
>> they said that this way he wouldn't argue about it!)
>>
>> Lis
>> --
>> Elisabeth Allison
>> Pine Ridge Studio
>> www.Pine-Ridge-Studio.blogspot.com
>>
>
>
>
> --
> ----------------------------------------------------------
>
>
--
----------------------------------------------------------
Robert Harris on sun 13 jun 10
I'm not sure that you are correct in saying that "heirs" have a
responsibility for debts. Her estate, on the other hand does.
In other words if Great Aunt Gertrude dies with $1,000 of credit card debt
and has no belongings to speak of then they cannot go after her relatives.
If she dies with $1,000 in the bank, or a couple of nice Lucie Rie pots,
then the credit card companies can reclaim their money from that.
On the other hand having "heirs" means there is something to inherit, and i=
t
is this something which will have to be sold in order to cover her debts, s=
o
it's possible this is what they meant. However if her belongings do not
cover her debts then they can go after anyone for the remainder of the
money. In the case of your mother, her heirs would have had to have sold he=
r
house (which was part of her estate) to pay off the mortgage.
R
On Sun, Jun 13, 2010 at 9:39 AM, Lis Allison wrote:
> On June 13, 2010, you wrote:
> > Hi Lis and all,
> >
> > So if my (fictional) great aunt Gertrude, who never married and has no
> > other family, decides that she will run up all her credit cards,
> > mortgages her house, and buys a new car before she dies - I would be
> > responsible for her debts when she dies?
>
> I don't really know, but I believe that, at least here in Canada, if she
> didn't have life insurance on those debts, yep.
>
> (When my mother was 80 she bought a house. For the first time in her life
> she had a mortgage. The bank couldn't refuse her request on the basis of
> her age, she had adequate income for the payments, and a 50% down payment=
,
> but they called my brother in and asked him to co-sign. He pointed out
> that as her legal heir he would be responsible for her debts anyway, but
> they said that this way he wouldn't argue about it!)
>
> Lis
> --
> Elisabeth Allison
> Pine Ridge Studio
> www.Pine-Ridge-Studio.blogspot.com
>
--
----------------------------------------------------------
Steve Slatin on mon 14 jun 10
Larry -- I can't answer for other countries, but in
the US, your private individual debt is yours alone.
I am unfamiliar with the scenario Lis describes, but
it may be either another country's laws or she may
be describing what happens to the ESTATE if there is
one.
There is, of course, another scenario -- if the debt
is not private individual debt, but shared debt, such
as if you co-signed a mortgage, lease, or credit
application with the deceased. Under this scenario,
the debt may well become, in your eyes, 'inherited.'
(In legal eyes, it was yours all along.)
Fundamentally, though, this is why 'jokes' shouldn't
be posted here. They generate a lot of off-topic
posts, ill-will, and generally dilute the usefulness
of ClayArt to those who are interested in clay and
who do not have all day to read through off-topic
posts to find the occasional interesting remark.
Steve Slatin --
--- On Sat, 6/12/10, Larry Kruzan wrote:
> Hi Lis and all,
>
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