Post by jacko on Aug 8, 2010 12:36:48 GMT
An actual excerpt from the son of a guy who died in the USA - he posted his experiences recently...
======================
My father died on Jan 02, 1995. He left no forwarding address.
Therefore, it fell to me to collect his mail. I didn't expect much,
really, since my sisters and I had been careful to notify his bank,
insurance agent, and a host of other businesses that one of their
customers was no more.
You would think a death notice would cut down on the amount of
correspondence from those firms. Quite the contrary.
Instead -- for months, mind you -- my deceased father continued to
receive mail from companies that had been told of his passing but
pressed on, determined to contact him anyway.
The first to hope for a reply from beyond the grave was my father's
bank.
Dear Mr. Hanson,
Our records indicate payment is due for overdraft protection on
your checking account. Efforts to contact you have proven
unsuccessful. Therefore, we are automatically withdrawing your
monthly $28.00 service charge from you account. Please adjust your
records accordingly. Sincerely, The Phoenix Branch
Dear Phoenix Branch,
This is to notify you once again that Mr. Hanson died Jan 02, 1995.
It is therefore unlikely he will be overdrawing his account. Please
close his account, and adjust your books accordingly. Sincerely,
Scott Hanson
Later that same week, I receive this note from Dad's insurance
company. Again, this is a firm that had been told in no uncertain
terms of his death.
Dear Mr. Hanson,
It's time to renew your auto insurance policy! To continue your
coverage, you must send $54.17 to this office immediately. Failure
to do so will result in the cancellation of your policy and
interruption of your coverage.
Sincerely,
Your Insurance Agent
Dear Insurance Agent,
This is to remind you that Mr. Hanson has been dead since January.
As such, the odds he'll be involved in a collision are quite
minimal. Please cancel the policy and adjust your books
accordingly.
Sincerely,
Scott Hanson.
The next day, I went to my mailbox to find this:
Dear Mr. Hanson,
Let me introduce myself. I am a psychic reader, and it is very
important that you contact me immediately. I sense that you are
about to enter a time of unprecedented financial prosperity. Please
call the enclosed 900 number immediately, so I can tell you how
best to take full advantage of the opportunities that are coming
your way.
Sincerely,
Your Psychic Reader
Dear Psychic Reader,
My father regrets he will be unable to call your 900 number.
As a psychic reader, I'm sure you already know my father is dead,
and had been for more than three weeks when you mailed your letter
to him. I sense my father would be more than happy to take you up
on your offer of a psychic reading, should you care to meet with
him personally.
Sincerely,
Scott Hanson
P.S. Should you be in contact with my father in the future, please
ask him if he'd like to renew his car insurance.
A few months of calm passed, and then these arrived:
Dear Mr. Hanson,
Our records indicate a balance of $112 has accrued for overdraft
protection on your checking account. Efforts to contact you have
proven unsuccessful. Please pay the minimum amount due, or contact
this office to make other arrangements. We appreciate your business
and look forward to serving all of your future borrowing needs.
Sincerely,
Your Bank's San Diego District Office
Dear San Diego District Office,
I am writing to you for the third time now to tell you my father
died in January. Since then, the number of checks he's written has
dropped dramatically. Being dead, he has no plans to use his
overdraft protection or pay even the minimum amount due for a
service he no longer needs. As for future borrowing needs, well,
don't hold your breath.
Sincerely,
Scott Hanson
Dear Mr. Hanson,
Records show you owe a balance of $54.17 to your insurance agent.
Efforts to contact you have proven unsuccessful.
Therefore, the matter has been turned over to us for collection.
Please remit the amount of $54.17 to our office or we will be
forced to take legal action to collect the debt.
Sincerely,
Your Insurance Agent's Collection Agency
Dear Collection Agency,
I told your client. Now I'm telling you. Dad's dead. He doesn't
need insurance. He's dead. Dead, dead, dead. I doubt even your
lawyers can change that. Please adjust your books accordingly.
Sincerely,
Scott Hanson
A few more months, and:
Dear Mr. Hanson,
Our records show an unpaid balance of $224 has accrued for
overdraft protection on your checking account. Our efforts to
contact you have proven unsuccessful. Please remit the amount in
full to this office, or the matter will be turned over to a
collection agency. Such action will adversely affect your credit
history.
Sincerely,
Your Bank's Los Angeles Regional Office
Dear Los Angeles Regional Office,
I am writing for the fourth time to the fourth person at the fourth
address to tell your bank that my father passed away in January.
Since that time, I've watched with a mixture of amazement and
amusement as your bank continues to transact business with him.
Now, you are even threatening his credit history. It should come as
no surprise that you have received little response from my deceased
father. It should also be small news that his credit history is of
minor importance to him now. For the fourth and final time, please
adjust your books accordingly.
Sincerely,
Scott Hanson
Dear Mr. Hanson,
This is your final notice of payment due to your insurance agent.
If our firm does not receive payment of $54.17, we will commence
legal action on the matter. Please contact us at once.
Sincerely,
Your Insurance Agent's Collection Agency
Dear Insurance Agent's Collection Agency, You may contact my father
via the enclosed 900 number.
Sincerely,
Scott Hanson
It has now been a couple of months since I've heard from these
firms. Either the people writing these letters finally believe my
father is dead, or they themselves have died and are now receiving
similar correspondence.
Actually, there has been a lesson in these letters. Any one of them
would be cause for great worry, if sent to a living person. The
dead are immune from corporate bullying. There's nothing like dying
to put business correspondence in its proper perspective.
Perhaps that's the best reason not to fear death. There's no post
office there.
======================
My father died on Jan 02, 1995. He left no forwarding address.
Therefore, it fell to me to collect his mail. I didn't expect much,
really, since my sisters and I had been careful to notify his bank,
insurance agent, and a host of other businesses that one of their
customers was no more.
You would think a death notice would cut down on the amount of
correspondence from those firms. Quite the contrary.
Instead -- for months, mind you -- my deceased father continued to
receive mail from companies that had been told of his passing but
pressed on, determined to contact him anyway.
The first to hope for a reply from beyond the grave was my father's
bank.
Dear Mr. Hanson,
Our records indicate payment is due for overdraft protection on
your checking account. Efforts to contact you have proven
unsuccessful. Therefore, we are automatically withdrawing your
monthly $28.00 service charge from you account. Please adjust your
records accordingly. Sincerely, The Phoenix Branch
Dear Phoenix Branch,
This is to notify you once again that Mr. Hanson died Jan 02, 1995.
It is therefore unlikely he will be overdrawing his account. Please
close his account, and adjust your books accordingly. Sincerely,
Scott Hanson
Later that same week, I receive this note from Dad's insurance
company. Again, this is a firm that had been told in no uncertain
terms of his death.
Dear Mr. Hanson,
It's time to renew your auto insurance policy! To continue your
coverage, you must send $54.17 to this office immediately. Failure
to do so will result in the cancellation of your policy and
interruption of your coverage.
Sincerely,
Your Insurance Agent
Dear Insurance Agent,
This is to remind you that Mr. Hanson has been dead since January.
As such, the odds he'll be involved in a collision are quite
minimal. Please cancel the policy and adjust your books
accordingly.
Sincerely,
Scott Hanson.
The next day, I went to my mailbox to find this:
Dear Mr. Hanson,
Let me introduce myself. I am a psychic reader, and it is very
important that you contact me immediately. I sense that you are
about to enter a time of unprecedented financial prosperity. Please
call the enclosed 900 number immediately, so I can tell you how
best to take full advantage of the opportunities that are coming
your way.
Sincerely,
Your Psychic Reader
Dear Psychic Reader,
My father regrets he will be unable to call your 900 number.
As a psychic reader, I'm sure you already know my father is dead,
and had been for more than three weeks when you mailed your letter
to him. I sense my father would be more than happy to take you up
on your offer of a psychic reading, should you care to meet with
him personally.
Sincerely,
Scott Hanson
P.S. Should you be in contact with my father in the future, please
ask him if he'd like to renew his car insurance.
A few months of calm passed, and then these arrived:
Dear Mr. Hanson,
Our records indicate a balance of $112 has accrued for overdraft
protection on your checking account. Efforts to contact you have
proven unsuccessful. Please pay the minimum amount due, or contact
this office to make other arrangements. We appreciate your business
and look forward to serving all of your future borrowing needs.
Sincerely,
Your Bank's San Diego District Office
Dear San Diego District Office,
I am writing to you for the third time now to tell you my father
died in January. Since then, the number of checks he's written has
dropped dramatically. Being dead, he has no plans to use his
overdraft protection or pay even the minimum amount due for a
service he no longer needs. As for future borrowing needs, well,
don't hold your breath.
Sincerely,
Scott Hanson
Dear Mr. Hanson,
Records show you owe a balance of $54.17 to your insurance agent.
Efforts to contact you have proven unsuccessful.
Therefore, the matter has been turned over to us for collection.
Please remit the amount of $54.17 to our office or we will be
forced to take legal action to collect the debt.
Sincerely,
Your Insurance Agent's Collection Agency
Dear Collection Agency,
I told your client. Now I'm telling you. Dad's dead. He doesn't
need insurance. He's dead. Dead, dead, dead. I doubt even your
lawyers can change that. Please adjust your books accordingly.
Sincerely,
Scott Hanson
A few more months, and:
Dear Mr. Hanson,
Our records show an unpaid balance of $224 has accrued for
overdraft protection on your checking account. Our efforts to
contact you have proven unsuccessful. Please remit the amount in
full to this office, or the matter will be turned over to a
collection agency. Such action will adversely affect your credit
history.
Sincerely,
Your Bank's Los Angeles Regional Office
Dear Los Angeles Regional Office,
I am writing for the fourth time to the fourth person at the fourth
address to tell your bank that my father passed away in January.
Since that time, I've watched with a mixture of amazement and
amusement as your bank continues to transact business with him.
Now, you are even threatening his credit history. It should come as
no surprise that you have received little response from my deceased
father. It should also be small news that his credit history is of
minor importance to him now. For the fourth and final time, please
adjust your books accordingly.
Sincerely,
Scott Hanson
Dear Mr. Hanson,
This is your final notice of payment due to your insurance agent.
If our firm does not receive payment of $54.17, we will commence
legal action on the matter. Please contact us at once.
Sincerely,
Your Insurance Agent's Collection Agency
Dear Insurance Agent's Collection Agency, You may contact my father
via the enclosed 900 number.
Sincerely,
Scott Hanson
It has now been a couple of months since I've heard from these
firms. Either the people writing these letters finally believe my
father is dead, or they themselves have died and are now receiving
similar correspondence.
Actually, there has been a lesson in these letters. Any one of them
would be cause for great worry, if sent to a living person. The
dead are immune from corporate bullying. There's nothing like dying
to put business correspondence in its proper perspective.
Perhaps that's the best reason not to fear death. There's no post
office there.
