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Monday, March 04, 2013

Note to self: Cancel credit cards prior to death


No to Credit Cards
Note to self: Cancel credit cards prior to death I know I have responsibilities. I have to follow the rules. I must remember to cancel my credit cards before I die. 

Here is why..... 

A lady died this past January, and WESTPAC bank billed her 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 about $70.00. 

A family member placed a call to the WESTPAC Bank: 

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

WESTPAC: 'The account was never closed and the late fees and charges still apply.' 

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

WESTPAC: 'Since it is two months past due, it already has been turned over to the collections agency.' 

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

WESTPAC: '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?' 

WESTPAC: 'Excuse me?' 

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

WESTPAC: '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.' 

WESTPAC: 'The account was never closed and the late fees and charges still apply.' 

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

WESTPAC: (Stammer) 'Are you her lawyer?' 

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

WESTPAC: 'Could you fax us a certificate of death?' 

Family Member: 'Sure.' (Fax number is given) 

After they get the fax: 

WESTPAC: '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.' 

WESTPAC: 'Well, the late fees and charges do still apply.' 

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

WESTPAC: 'That might help.' 

Family Member: 'Rookwood Memorial Cemetery, 1249 Centenary Rd, Sydney; Plot Number 1049.' 

WESTPAC: 'Sir, that's a cemetery!' 

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

Bureaucratic procedures are usually proposed or written by people who do not have the capacity to understand their impact.
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