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Bailey Jay, Family, and Get Money: Cancel Your Credit Card Before You Die A lady died this past January, and the bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to the Bank Here is the exchange Family Member: am calling to tell you she died back in January Bank The account was never closed and the late fees and charges stil apply. Family Member : 'Maybe, you should turn it over to collections. Bank: '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?' Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member 'Do you think God will be mad at her?' Bank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Bank: 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member 'I'm calling to tell you, she died back in January with a $0 balance. Bank: 'The account was never closed and late fees and charges still apply.' Family Member from her estate?' Bank (Stammer) 'Are you her lawyer?' Family Member 'No, I'm her great nephew. (Lawyer info was given) Bank: 'Could you fax us a certificate of death?' Family Member 'Sure. (Fax number was given) You mean you want to collect After they get the fax Bank: 'Our system just isn't setup 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. She won't care. Bank: 'Well, the late fees and charges do still apply. (What is wrong with these people?1?) Family Member: 'Would you like her new billing address?' Bank: That might help... Family Member: 'Odessa Memorial Cemetery Highway 129, Plot Number 69.' Bank: 'Sir, that's a cemetery ! Family Member: 'And what do you do with dead people on your planet? ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200.
America, Bad, and Be Like: Lou Ohio I need to get my life off my chest. About me. I'm a 46 year old banker and I have been living my whole life the opposite of how I wanted. All my dreams, my passion, gone. In a steady 9-7 job. 6 days a week. For 26 years. I repeatedly chose the safe path for everything, which eventually changed who I was. Today I found out my wife has been cheating on me for the last 10 years. My son feels nothing for me. I realised I missed my father's funeral FOR NOTHING. I didn't complete my novel, travelling the world, helping the homeless. All these things I thought I knew to be a certainty about myself when i was in my late teens and early twenties. If my younger self had met me today, I would have punched myself in the face. I'll get to how those dreams were crushed soon. Let's start with a description of me when I was 20. It seemed only yesterday when I was sure I was going to change the world. People loved me, and I loved people. I was innovative, creative, spontaneous, risk taking and great with people. I had two dreams. The first, was writing a utopic/dystopic book. The second, was travelling the world and helping the poor and homeless. I had been dating my wife for four years by then. Young love. She loved my spontaneity, my energy, my ability to make people laugh and feel loved. I knew my book was going to change the world I would show the perspective of the 'bad' and the twisted', showing my viewers that everybody thinks differently, that people never think what the do is wrong. I was 70 pages through when i was 20.I am still 70 pages in, at 46. By 20, I had backpacking around New Zealand and the Philippines. I planned to do all of Asia, then Europe, then America To date, I have only been to New Zealand and the Philippines. Now, we get to where it all went wrong. My biggest regrets. I was 20. I was the only child. I needed to be stable. I needed to take that graduate job, which would dictate my whole life. To devote my entire life in a 9-7 job. What was I thinking? How could I live when the job was my life? After coming home, I would eat dinner, prepare my work for the following day, and sleep at 10pm, to wake up at 6am the following day God, I can't remember the last time I've made love to my wife Yesterday, my wife admitted to cheating on me for the last 10 years. 10 years. That seems like a long time, but i can't comprehend it. It doesn't even hurt. She says it's because I've changed. I'm not the person l was. What have I been doing in the last 10 years? Outside of work, I really can't say anything. Not being a proper husband. Not being ME. Who am 1? What happened to me? I didn't even ask for a divorce, or yell at her, or cry. I felt NOTHING. Now I can feel a tear asl write this. But not because my wife has been cheating on me, but because I am now realising I have been dying inside. What happened to that fun-loving, risk taking, energetic person that was me, hungering to change the world? I remember being asked on a date by the most popular girl in the school, but declining her for my now-wife. God, I was really popular with the girls in high school. In university/college too. But i stayed loyal. I didn't explore. I studied every day Remember all that backpacking and book-writingI told you about? That was all in the first few years of college. I worked part-time and splurged all that I had earned. Now, I save every penny. I don't remember a time I spend anything on anything fun. On anything for myself. What do I even want now? My father passed ten years ago. I remember getting calls from mom, telling me he was getting sicker and sicker. I was getting busier and busier, on the verge of a big promotion. I kept putting my visit off, hoping in my mind he would hold on. He died, and I got my promotion. I haven't seen him in 15 years. When he died, I told myself it didn't matter what I didn't see him. I rationalized that being dead, it wouldn't matter anyway. WHAT WAS I THINKING? Rationalizing everything, making excuses to put things off. Excuses Procrastination. It all leads to one thing, nothing. I rationalized that financial security was the most important thingInow know, that it definitely is not. I regret doing nothing with my energy, when I had it. My passions. My youth. I regret letting my job take over my life. I regret being an awful husband, a money- making machine. I regret not finishing my novel, not travelling the world. Not being emotionally there for my son. Being a damn emotionless wallet. If you're reading this, and you have a whole life ahead of you, please. Don't procrastinate. Don't leave your dreams for later. Relish in your energy, your passions. Don't stay on the internet with all your spare time (unless your passion needs it). Please, do something with your life while you're young. DO NOT settle down at 20. DO NOT forget your friends, your family Yourself. Do NOT waste your life. Your ambitions. Like I did mine. Do not be like me srsfunny: A Sad But Common Story

srsfunny: A Sad But Common Story

England, Facts, and Food: Sixteen Films & Ken Loach @KenLoachSixteen Followv #1 Danie!Blake "I am not a client, a customer, nor a service user. I am not a r, a scrounger, a beggar nor a thief. I am not a national insurance number, nor a blip on a screen. I paid my dues, never a penny short, and was proud to do so. I don't tug the forelock but look my neighbour in the eye. I don't accept or seek charity My name is Daniel Blake, I am a man, not a dog. As such I demand my rights. I demand you treat me with respect. I, Daniel Blake, am a citizen, nothing more, nothing less. Thank you." a. Dr Lauren Gavaghan Followv DancingTheMind A England: homelessness up 60% since 2010 A rough sleeping up 134% ▲ 1.2 mill people on social housing wait list Food bank use up 4-fold since 2012 now 2,000 food banks in UK, up from just 29 at height of financial crisis #UNVisit2018 #IDanie!Blake is fact, not fiction. Dr Lauren Gavaghan Fllow DancingTheMind For anyone who doubts how realistic #IDanielBlake is, I urge a re-read of the 2018 UK poverty report by Prof Philip Alston, UN Special Rapporteur on human rights & poverty. It speaks volumes on the cruelty of this Conservative govt. @JamesCleverly you may want a refresher INT liiA Dr Lauren Gavaghan Ф @DancingTheMind Dear anyone who thinks they will vote Conservative when we have a #General Election please read the below report from UN Rapporteur on extreme poverty & human rights before you cast your vote.... Show this thread thasminlove: politicalsci: If anyone hasn’t watched ‘I, Daniel Blake’, it’s on BBC iPlayer for the next 18 days or so. Please do watch it if you can. It’s a film about ordinary, lovely, kind British people who due to unfortunate circumstances beyond their control have to claim benefits, and struggle through the system. It explores their lives and the benefit system in a realistic, humane way, and sticks to the facts. This happens to thousands of people across the UK regularly, and, as you will see, is completely inhumane. Be prepared with tissues.

thasminlove: politicalsci: If anyone hasn’t watched ‘I, Daniel Blake’, it’s on BBC iPlayer for the next 18 days or so. Please do watch it...