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Thomas and his friends: a togand toad-are-triends My favorite thing about Thomas the Tank Engine is that in canonically takes place in a train postapocalypse where the island of Sodor is the only safe zone in a totalitarian dysnopia in which steam trains are routinely killed and their body parts are sold or canmbaled for repair If you think I'm kidding you need to read the original books leontroid eenud could you please direct me to a souroei would feel much better if this was validated. frog-and toad-are-friends S It took me so long to find this quote online but i did it because it's so much darker than one might expect from Thomas the Tank Engine Engines on the Other Railway arent sale now. Their controllers are eruel. They dont lke engines any more. They put them on cold damp sidings, and then" Percy nearly sobbed, "Ihey they cecut them up "The Bluebels of England" Stepney the Bluebel Engine. Rex Awdry, Wibert. London Egmont Pubshing 1963. This ilustration, by Gunvor and Peter fidwards, accompanied the above text in the original book, and depicts a pair of unfortunate Cther Railway engines moments before being disassembled with a blowtorch A dainydice HOLY FUCK LOOK AT THE ONE IN THE BACKGROUND THEY TOOK ITS FUCONG FACE OMG trogand toad-are-tiends zidane the early thomas the tank engine books are pretty standard stuff. saccharine bubblegum type stories and ilustrations. you watched the show, is ke that in book form. the second hall of the railway series are so fucking dark and sureal im cominced they were a result of reverend wilbur awdry doing copious amounts of lad and having hallucinations of his own death. frog-and toad-are-triends Eecuse me but the rery fest story in the Railway Series is about an engine who hides in a turnel and refuses to run because he doesn't want to pet his paint job ruined in the rain, so railway management seals off the tunnel They eventually let him out because another engine breaks down or something, but the original plan was to just leave him in there forever ahulamithbond On the show, didnt they also hook up one engine to a generator, so he'd never move again? That was iterally one of the inesIn, Is on some other post on here. I was chilling frog-and to adare-triends a Yes! This also happened in the books, to an engine refemed to only as "No. 2, but the selevision series applied the same scenario to an inwented character named "Smudger", in the episode "Granputf. "Smudges" said Duke Was a show-off. He rode roughly and often came off the rails. I warned him to be careful, but he took no notice Usten, Dukie" he snared. "Who wories about a few spils Ha aid, but Smudger lghed Unil one day. Manager said he was going to make him useful at last. Smudger stopped laughing then" Wwwhy What did he do "He tumed him ito a generator. He's sil there behind our shed. Hell never move again." deducecanse This is so fucked up 4 unclewhisky No, sten Okay, so we see Ralway Management doing all this shit, right, but supposedly ifs so much worse in the Other Ralays?i mea, sure, you might get tumed into generator or bricked into a tunnel for not doing as yoưre told, but at least you're not cut up and sold for parts, right? s not so bod on the island of Sodot right? a Or maybe thara just what Rulway Managament warta the engines to think Maybe the island of Sodor is the real totalitarian regime, and the engine citizens (slaves) are fed propaganda, kustrated in belish araes and sulfurie vellows,about how ilustrated in helish grays and sulfuric yellows, about how bad it is everywhere else, at all the Other Railways. You are lucky to be an engine of Seder. Railmay Management cares about you Tryst Railway Management. Stay on Your Track. It Could Be So Much Worse. connethepaganangel Wet the fuck is this train based 1984 bulshit Source frogand toad are friends 220440 netes Thomas and his friends
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apricot-studies: smartstudy: Hey guys. I’m glad to be finally posting my “mental breakdown survival guide”. As you know I struggle a lot with mental health, and so I have been through a lot of breakdowns. So many that I actually dropped out of university after 3 weeks in 2016 and had to take the whole year off. Because of this, I’ve made it my mission to help others with mental health issues as much as I can, so you don’t have to go through what I’ve been through. Anyway, here is my guide. I tried to keep it general, and actually useful. If you have any questions or additions please feel free to add them. And as ever, if you want to talk to me about studying with mental illness or want to see a post on a specific topic, please feel free to message me. thank you so much for this : Saving Your Grades From A Mental Health Crisis What To Do Before, During, And After by SmartStudy.tumblr.com IF YOUR GRADES ARE IN IMMEDIATE DANGER CONTACT YOUR TEACHERS This should be the first thing you do when you realise you're in crisis. Email them, and explain your situation in short, professional terms. You do not have to include details about your condition. "I have a mental health condition" should suffice as to the nature of the issue. Tell them that you are going to arrange to see a medical professional as soon as possible, and ask what process you should go through to defer/get an extension on assessment, and if they can help you in any way. Other people you may have to contact or CC in the email (depending on your school): University High School Head of House Class Coordinator Faculty/School Admin Disability Advisor Grade Coordinator Head of Department Academic Admin Counsellor School Counsellor Student Advocate BOOK A DOCTOR/THERAPIST APPOINTMENT ASAP This will be the person who can vouch for you the most. It's best if you have seen them before and they know you. If you can't get an appointment within a few days, call them and email them (if you haven't seen them before this will not work). Make sure to check out what counselling your university or school offers. During this appointment, the priority is to make a plan to get you back on your feet. This effort will not be useful if you stay a mess. Once you've figured that out, get two things from this person. One is a medical certificate/letter stating that you have, in fact, been going through this crisis. Second is a letter that describes the nature of the crisis, what treatment you're going through, and which people to contact (psychiatrists, etc.) who can vouch for this. Note: The reason I say to get two letters is because there is still a huge stigma around mental illness, and you don't want to reveal that you've got a disorder that's highly stigmatised, only to have it come back and bite you in the ass later. Don't provide details unless it's necessary or asked for. A STUDENT KNOW YOUR RIGHTS AS Most schools and institutions will have a list of a student's rights and responsibilities online. Look them up. Know what your rights are as a student. Also look to see if there are state/national laws protecting you, or if your school is a part of a network of schools that has its own code. Some people working in schools still think mental health issues are trivial, and you never know when they're going to ignore a rule to suit themselves. Make sure you can pick on this if it happens to you. Pretty much all schools will have protection in place for students with mental illnesses and disabilities, so even if you a miss a deadline for a form or make another mistake, they should take your exceptional circumstances into account. This is where a student or disability advisor from school can help you. ottom IF YOU HAVEN'T REACHED CRISIS YET TALK TO A DOCTOR/THERAPIST/COUNSELLOR/TRUSTED ADULT If you're going through a hard time, talk to someone who can help you. Any trusted adult or professional can help you get back on your feet before it's too late, or refer you to someone who can. If it's a new issue, you'll have to see someone like a GP who can refer you to a therapist or mental health service. Talk to them about what's been happening, and say that you need help. Sometimes, even talking about the problem can help you feel better. In these situations, they can also help you figure out what you can do at school to catch up/get special help. FIGURE OUT HOW TO STUDY WHILE IN A BAD STATE Even if you're getting help, it might be some time before you're fully back on track. In these instances, try to make the best of a bad situation. Can't leave the house? Access lecture recordings and eBooks. Ask your friends to send you their notes, or ask the teacher if you can submit your homework via email, or through a friend. Have trouble concentrating? Figure out how long you can study without needing a break, and make a schedule around that. Always make sure to ask your teachers if they can help you with this. Whether it be slightly changing the requirements or conditions of a piece of assessment, or simply their understanding that you may not be able to attend perfectly, it can make a big difference with your overall marks. If they don't know you're struggling, they can't help! DON'T PUSH YOURSELF OR OVERTHINK When you realise there's an issue, it's easy to fall into panic or try to power through. Don't do this. It'll just make you more stressed and aggravate the existing problems, which will make things much worse in the long run. Though it's hard to believe sometimes, your health and mental health are more important than your grades. You can't ignore your mind when it's screaming at you that something is wrong. Listen to it, and be easy on yourself. The best way to get back to your full potential to ask for help and give yourself what you need. Take a break when you need one and practise self-care. It's more important than you might things. RECOVERING FROM A BREAKDOWN ACCEPT THAT YOU'VE BEEN THROUGH SOMETHING MAJOR Once the worst has passed, some people try to brush it off and pretend it never happened. They can feel ashamed or embarrassed about what they went through. However, there is absolutely nothing to be ashamed or embarrassed about, especially if you had a pre-existing mental health condition. Every life has ups and downs and just because yours were a bit more serious than some people's, it doesn't mean that you're weak somehow. The best thing you can do for yourself is to recognise what happened, and work to prevent it from happening again by setting up crisis plans and support networks. GET TUTORING TO CATCH UP If you've fallen behind, don't worry. There are plenty of ways to catch yourself up and get back on track. The best way is to hire a tutor. They can guide you through the work, help you understand difficult concepts, and identify the places you need more help. Yes, tutors can be expensive, but there's a way to get around this. See if there is anyone who took your class the year before who might be willing to tutor you for an hour each week for a discounted prince. Similarly, see if there are any students who can help you in exchange for something like instrument lessons. And if any of your friends are academically gifted, I'm sure they'd be able to help. If all else fails, go to office hours and any free tutoring sessions your school or university offers. Do some research, ask around, see what's there. PACE YOURSELF AND DON'T RUSH IN After a breakdown or crisis, you may be tempted to throw yourself back into your work to catch up. Don't! You'll become overwhelmed and end up back at square one. Remember, you've just been through a very difficult situation and you're not going to get better overnight. Ease yourself in. I definitely recommend starting with a reduced or part-time study load if possible. Remember that you may not be back at your full capacity just yet, and difficulties concentrating and being motivated could make things hard. By starting off slowly, you're able to get used to studying again without too much pressure. DEVELOP A ROUTINE Yes, this advice is in every piece of study advice ever, but you shouldn't develop just any routine. Develop one that allows you plenty of breaks and takes into consider any issues you may have with fatigue or focusing. If your breakdown was caused by overwork, make sure this one is easier on you. Things to include you could include in a healthy routine (but don't micromanage!): "I feel crap" time* Breaks and meals Plenty of sleep and rest "You" time (treat yo self) Time to plan for the next week Exercise (have you tried yoga? Kidding) Meditation/mindfulness Friend/family social time * Remember that the thoughts and feelings caused by mental illness are not shameful, and ignoring and forcing them down will only make them worse. If you need to lie in bed feeling miserable, do it. THINGS TO REMEMBER DON'T COMPARE YOURSELF TO OTHERS It can be easy to look at other people and see your own flaws, but it's important to try not to. Every person has different experiences and struggles, so it's not fair to yourself to look at someone without yours and think you're behind in some way. Taking longer to complete your studies isn't shameful. Making mistakes isn't shameful. Needing breaks isn't shameful. You'll get where you need to be in the end. Have patience. GRADES DON'T DEFINE YOU I spent so much of my life thinking my only worth came from my academic success. And guess what? This just led to more anxiety and depression. It's important to realise that things like grades, class rankings, GPAS, and "intelligence" aren't that important. Who you are and what you do is far more important than these arbitrary labels. THERE IS A STIGMA, SO BE PREPARED It's an unfortunate reality, but there is still a stigma against mental health issues and there is a chance it might affect your experiences while dealing with administrative staff and teachers. There have been stories about people telling their people supposed to be guiding them that they have mental health issues, and being dismissed because "it's a girl issue" or "it's all in their head". Be prepared in case this happens to you. Remind people that it's a medical condition and that you can get proof from medical professionals if need be. Plus, there is probably something in your school's policies or even the law that protects you when you have a mental illness. Remember that just because people are ignorant, that doesn't mean your issue is not 100% real and important. Don't let these people make you feel worse. YOU CAN DO THIS In our darkest moments, it can be hard to believe that we're capable of immense strength, but I promise you we are. Whatever obstacle is in your path right now - even if it's your brain chemistry - you are going to get through this. You've made it through every worst day you've had so far. You've made it through the dark and scary moments, and you've come out the other end stronger and wiser. Remember that you are strong, and even when you don't feel like it, there is always support available to help you realise that strength again. tmblimteom apricot-studies: smartstudy: Hey guys. I’m glad to be finally posting my “mental breakdown survival guide”. As you know I struggle a lot with mental health, and so I have been through a lot of breakdowns. So many that I actually dropped out of university after 3 weeks in 2016 and had to take the whole year off. Because of this, I’ve made it my mission to help others with mental health issues as much as I can, so you don’t have to go through what I’ve been through. Anyway, here is my guide. I tried to keep it general, and actually useful. If you have any questions or additions please feel free to add them. And as ever, if you want to talk to me about studying with mental illness or want to see a post on a specific topic, please feel free to message me. thank you so much for this
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22+ Tumblr Posts To Help You Laugh Your Troubles Away #funny #memes #tumblr #funnymemes: 22+ Tumblr Posts To Help You Laugh Your Troubles Away irrevocably-delicious Irrevocably-delicious @india draws Anyone who's worked in retail has probably participated in this thing I call "circle talk" and it is by far one the most exhausting and irritating parts of my job. 12-05 PM Jan 19, 2019- Twitter Web App Circle talk is when a customer asks you a question, but when you answer it, they continue to stare at you blankly. So you repeat your answer over and over, slightly rephrasing it until it permeates their brain. "How big does this cactus grow?" "It'll get quite large, but it's very slow growing, so you won't see much of a difference until almost 10 years" "Oh my wife has one that's like half metre" "Yes that must be quite old" "So they can get that big?" "Yes but not for a long time" "about 10 years?" "YES" 12:05 PM Jan 19, 2019 Twitter Web App he Cackes Grows slo Oh right& he Cockuss slow growino The Slow growing Cachs Small Cactsou will not grouw og quich Some retail complaints from twitter this morning. I don't think anyone can fully comprehend how stupid humans are until they work a retail or hospitality job. starfire003 I'd like to add on the people who ask a question, get an answer they don't like and ask the same question in a different way to get the response they want. corisanna I get stuff like this often enough at work, but that last one? There is one customer we have that does that so frequently and for so long (personal record with me is goddamn FORTY MINUTES of trying to get the answer she wanted) that we call her Circle Lady when she isn't present. Then there are the ones who do this, fail, and try it again with the same employees the next day greatfay Me: "For the drink, it's [x amount]) Customer: "I saw a sign that I get a free drink?" Me: "For signing up for our rewards program, yes:" Customer: "Oh... I don't have one of those Me: "Well if you sign up, you can get the free drink! :) Customer: "Eh don't want to sign up" Me: " " Customer: "I hate getting all those emails" Me: "Oh, well you can opt out of emails, I can show you how:) Customer: "No thanks, I don't want an account" Me: "Okay... well the drink will be [x amount]: Customer: "I thought it was free?" Me: ")" Me: "It's free if you sign up for our rewards program:)" Customer: "I don't want to sign up" Me: "Then the drink isn't free :)" Customer: "You can't just give me the drink?" Me: "No, I can't unfortunately:) Customer: "Why not? It's only [x amount] Me: "if that's not a lot of money to you, why don't you just pay for it? : Customer: "This is shit customer service" Me: ")" Customer: "This is highway robbery, squeezing every dime out of people, you should be ashamed of yourself-" Me: "I don't control the prices, I'm just a cashier:) Customer: "-making a fucking fuss over a damn drink and it's not even a large- Me: "That's not my decision, I'm just a cashier:) Customer:"-and you bet I won't be coming back here again Me: "How unfortunate :)" thekeybladeninja I can feel the) deep in my soul 74,441 notes Click to see full Sarcasm Goal 22+ Tumblr Posts To Help You Laugh Your Troubles Away #funny #memes #tumblr #funnymemes
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Tap to see the meme: @oscarewilde i received this comically large pencil as a gift several years ago and my first thought, understandably, was 'what the christ am i meant to do with this?' @oscarewilde the 2nd thought i had was: I'm Quite Certain I Could Ruin Someone's Day With This. And so a while ago i took it in with me to a lecture, hoping against hope that whichever poor Fool was unfortunate enough to sit next to me might have forgotten or misplaced their writing implement @oscarewilde utilising The Pencil is also dependent on the person not using a laptop. So the chances of success are extraordinarily slim, and I've only managed to find suitable candidates three times in all of the dozens of occasions i've had The Pencil on my person @oscarewilde i size up my target, watching them feign patting their pockets in vain for the ballpoint they so obviously left at home, and i wait, i wait for the blessed question.... Do You Have A Pen I Could Borrow? @oscarewilde Oh, i say, 'I'm so sorry; I only have a pencil. That's fine!' i hear them say, distantly now, as the blood is rushing to my ears andican barely hear them. Imaintain a straight face. This is key to the delivery and the final blow @oscarewilde Ireach into my bag for The Pencil. The look of utter dumbfounded misery as i hand it to the victim is unparalleled in its sweetness. In an instant their eyes flicker through the 5 stages of grief, landing on acceptance, as they realise it's This or Nothing @oscarewilde still maintaining that eye contact i smile, only the tiniest fraction, the unspoken words forming between us. 'What are you gonna do now, huh? You feeling lucky, kiddo? Buddy? Buckaroo? You gonna kick up a fuss in this silent lecture theatre? Huh? Or will you take The Pencil? @oscarewilde they Always take the pencil ifynny.co Tap to see the meme

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jesstheespeon: explainingthejoke: popsicle-prince: dark-clifford: pooguns: frenchtugboat: bowieonthebelafonte: When i was 10, I sent a letter to Lemony Snicket. I didn’t receive a personal reply, but I got one of these. 7 years later I realized that there’s a message ABORT MISSION This is fucking scary I dont get it.. @explainingthejoke The images are of a reply from Lemony Snicket, an author known for his A Series of Unfortunate Events, a book series aimed at older children. The reply is written in the voice of his narrator character. The narrator shares his pen name and frequently writes in vague references to the reader, who is included in the mystery as the correspondent to whom Lemony Snicket is sending his information. The reply is titled “via VERY FAST DELIVERY.” The letters V.F.D. play a big part in the series. The note reads:  nly two things are more hazardous than writing to me during these times. They are eating mussels in July and receiving a rep y from me, both of which may leave you feverish, shaking, and alone. However, it c n also be very uncomfortable to wait day a ter day for a reply that never comes, as I have since my last letter to a dear frie d. Consequ ntly, I am sending you a lette  containing Very Few Details. Accept my humble thanks and fervent wishes for your continued safety, as well as the safety of the familiar-looking neighbor with whom you have never spoken. With all due respect, Lemony Snicket Several letters from this note are deliberately missing. If the reader wrote down each letter that was missing, they would spell out: OLAF NEARBY Count Olaf is the major villain in the series. Lemony Snicket is writing in code, suggesting that he can’t be candid because Olaf may be observing him or the reader. Creepy! This isn’t a joke. It is just cute. Dear reader, I sincerely hope you don’t have a sizable family fortune lying about. : via VERY FAST DELIVERY nly two things are more hazardous than writing to me during these times. They are eating mussels in July and receiving a rep y from mc, both of which may leave you feverish, shaking, and alone. However, it c n also be very uncomfortable to wait day a ter day for a reply that never comes, as I have since my last letter to a dear fried Consequ ntly. I m sending you a lette containing Very Few Details. Accept my hum le thanks and fervent wishes for your continued safety. as well as the safet of the familiar-looking neighbor with whom you have never spoken. With all due respect, Lemony Snickt jesstheespeon: explainingthejoke: popsicle-prince: dark-clifford: pooguns: frenchtugboat: bowieonthebelafonte: When i was 10, I sent a letter to Lemony Snicket. I didn’t receive a personal reply, but I got one of these. 7 years later I realized that there’s a message ABORT MISSION This is fucking scary I dont get it.. @explainingthejoke The images are of a reply from Lemony Snicket, an author known for his A Series of Unfortunate Events, a book series aimed at older children. The reply is written in the voice of his narrator character. The narrator shares his pen name and frequently writes in vague references to the reader, who is included in the mystery as the correspondent to whom Lemony Snicket is sending his information. The reply is titled “via VERY FAST DELIVERY.” The letters V.F.D. play a big part in the series. The note reads:  nly two things are more hazardous than writing to me during these times. They are eating mussels in July and receiving a rep y from me, both of which may leave you feverish, shaking, and alone. However, it c n also be very uncomfortable to wait day a ter day for a reply that never comes, as I have since my last letter to a dear frie d. Consequ ntly, I am sending you a lette  containing Very Few Details. Accept my humble thanks and fervent wishes for your continued safety, as well as the safety of the familiar-looking neighbor with whom you have never spoken. With all due respect, Lemony Snicket Several letters from this note are deliberately missing. If the reader wrote down each letter that was missing, they would spell out: OLAF NEARBY Count Olaf is the major villain in the series. Lemony Snicket is writing in code, suggesting that he can’t be candid because Olaf may be observing him or the reader. Creepy! This isn’t a joke. It is just cute. Dear reader, I sincerely hope you don’t have a sizable family fortune lying about.
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thefingerfuckingfemalefury: 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. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this Unless you cosigned the loan, are a joint account holder, or a spouse of the deceased in a community property state, you would likely not be on the hook for any debts from the deceased. The executor of their estate will be in charge of addressing the loans with the help of the estate and hopefully life insurance money, but if there isn’t enough in that to pay off the debts then creditors are just shit out of luck and they legally are not allowed to mislead you into thinking you have to pay them back when you don’t (which is not to say that they don’t try). You have a legal right to order them not to contact you via letter.: 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? thefingerfuckingfemalefury: 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. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this Unless you cosigned the loan, are a joint account holder, or a spouse of the deceased in a community property state, you would likely not be on the hook for any debts from the deceased. The executor of their estate will be in charge of addressing the loans with the help of the estate and hopefully life insurance money, but if there isn’t enough in that to pay off the debts then creditors are just shit out of luck and they legally are not allowed to mislead you into thinking you have to pay them back when you don’t (which is not to say that they don’t try). You have a legal right to order them not to contact you via letter.
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thefingerfuckingfemalefury: 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. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this : 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? thefingerfuckingfemalefury: 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. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this
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