Credit card madness.

I copied this letter from "THE IRISH TIMES". It proves there is no such thing as
common sense when it comes to collecting debts.
" Reported in the Irish Times recently;
Be sure to 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 for October and November 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 September.'

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 September.'

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.'

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 **** do you do with dead people on your planet?'

MBNA were not available for comment when a reporter from the Irish Times rang.

Ya gotta laugh! :laughter:

hysterical!!!!!!
(and so believeable, which is why it's so funny)

Is any one else getting these non stop calls about Credit card insurance. They are calling almost every second day asking if my Wife wants it she has told them no thanks and they still call after being asked not to. could it be they know something the rest of us don`t . They will still get paid there cash if you lose your job so its not to protect you from losing your job .......It is to protect them . The way i see it is that it is unsecured debt and being such if I lose my job and can`t pay to bad see ya , there is nothing they can do about it

Can't say I get calls about credit card insurance however they persistantly ask if I want to increase my limit. And yes they don't have our best interests at heart..