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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 β€œWell, 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: β€œShe’s dead, good luck collecting.” The credit card asked my mother, β€œDon’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. β€œNo,” she said. β€œBecause 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.

    

        
        
        
        
        
        
        
    

    

        

            
            

                
                
                    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 β€œWell, 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: β€œShe’s dead, good luck collecting.” The credit card asked my mother, β€œDon’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. β€œNo,” she said. β€œBecause 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
    

        
        
        
        
        
        
        
    

    

        

            
            

                
                
                    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%
 β–² 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 Π€ @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 β€˜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. 

    

        
        
        
        
        
        
        
    

    

        

            
            

                
                
                    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%
 β–² 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 Π€ @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 β€˜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 β€˜I, Daniel Blake’, it’s on BBC iPlayer for the next 18 days or so. Please do watch it...