True Story in India.

Cancel your credit card before you die………

A lady died in 2016 January, and HDFC Bank billed her for Feb ’16 & Mar ’16 for *annual service charges* on her credit card, and *added late fees* and *interest* on the monthly charges!!!
The balance had been Rs.0.00 when she died, but now it was around Rs.6000.
A family member placed a call to HDFC Bank. Here is the conversatio


*Family Member*: “I am calling to tell you that she died in Jan ’16.”
*HDFC Bank*: “The account was never closed. So the late fees & charges still apply.”
*Family Member*:๐Ÿ˜ณย “Maybe, you should turn it over to yr collections dept.”
*HDFC Bank*: “Since it is two months overdue, it already has been.”
*Family Member*: “So, what will they do when they find out she is no more?”
*HDFC Bank*: “Either report her account to frauds division or report her to the credit bureau

โ€‹ โ€‹

or maybe both!”
*Family Member*:ย ๐Ÿ˜ทย “Do you think God will be mad at her?”
*HDFC Bank*:ย ๐Ÿ˜ณย “Excuse me?”
*Family Member*:ย ๐Ÿ˜กย ‘Did you just get what I was telling you – the part about her being dead?”
*HDFC Bank*:ย ๐Ÿ˜’“Sir, you’ll have to speak to my supervisor.”
Supervisor gets on the phone:
*Family Member*: “I’m calling to inform you that she died in Jan ’16 with a Rs.0 balance on her credit card.”
*HDFC Bank*: “The account was never closed and late fees and charges still apply.”
*Family Member*: “You mean you want to collect from her estate?”
*HDFC Bank*: (Stammer) “Are you her lawyer?”
*Family Member*: “No, I’m her grand nephew.”
*HDFC Bank*: “Could you fax us a certificate of death?”
*Family Member*: “Sure.” (Fax number was given )
After they got the fax :
*HDFC Bank*: “Our system 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.”
*HDFC Bank*: “Well, the late fees and charges will still apply.”
(What is wrong with these people?!?)
*Family Member*: “Would you like her new billing address?”
*HDFC Bank*: “That might help…”
*Family Member*: “Odessa Memorial Cemetery, Grave no 1169, Avinashi, Coimbatore.”
*HDFC Bank*: “Sir, that’s a cemetery!”
*Family Member*: “And what do you do with dead people on your planet???”

About Zakiah

I write poetry and some fiction, have a book that was published in 2012. . . Stray Thoughts/Winged Words. I have four grandchildren, ages 16 and half to almost 16 months. I love the ocean, and grew up along the Indian Ocean in South India. I am a retired physician. Don't know much else to say. Thanks for reading. That has been my profile for so many years. My daughter Saadia a great poet and story teller, has two sons; the oldest grandson is now 21 years old, doing architectural engineering at Missouri S&T in Rolla MO. His younger brother is almost 16 and taking driving lessons seriously and is in High School. The other two grandsons, children of my son Sayeed, are 9 and 5. I have recently published another book titled Gulistan, A home of Flowers. It has stories and memories of my childhood and of a distant land which I still consider as my HOME., even though I have lived here in the US for more than fifty years. Hope to see you on my blog.
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23 Responses to True Story in India.

  1. Tree says:

    They’ve never had any of their clients die before? How weird.

    • Zakiah says:

      truly! the whole thing is the way some people deal with the news. I had patients whose husbands had died, and they had problem with the Social Security office similar to this incident.

      • slmret says:

        And then there are the people who somehow find themselves as deceased on the Social Security roles who are actually very alive!

  2. mrswrangler says:

    Some places just don’t except death

  3. slmret says:

    I can actually imagine that happening here. When my mother died, I attempted to give the post office a forwarding address for any mail directed to her — the clerk told me, as he shuddered, that he couldn’t accept that because “we don’t forward dead people’s mail!” How did he knoww she had died? He knew it was a retirement home, and the carrier may have seen a tribute photo on their counter!

    • Zakiah says:

      Yeah? How did he know that? But more, why wouldn’t he forward the mail to the next of kin?
      hope you are doing well. Thinking of you.

      • slmret says:

        As it is, the retirement home has to accept the mail and write a forwarding address — then the PO will send it on! I still, 7 years later, receive occasional mail addressed to my mother, but the home doesn’t forward anything except what looks important!
        I’m doing well — the house is currently a MESS, but that will start to come back together on Monday/Tuesday, and on Wednesday I see all my doctors re results of tests! More later.

  4. murisopsis says:

    I had to laugh. We are still getting mail for the family that lived in our house from 1982 -1985! We moved in in 1991 so it has been a long time ago. We used to mark it “not at this address” but now we just toss it out…

  5. theinfiniterally says:

    I would not put it past the credit companies to have collectors waiting for us on the other side. Too funny!

    • Zakiah says:

      We should write a post about that Mark. It would be funny!

      • theinfiniterally says:

        Hahaha! Thatโ€™s a good idea. Sadly, I have a hard time being funny when Iโ€™m trying to be. I usually only manage it by accident! I would love to read your take on it though.

  6. LOL..that is way too funny and pathetic at the same time.

  7. whyzat says:

    Hi Zakiah, Tony just asked me why my tablet kept beeping, and I said, “Oh Zakiah must be answering comments on her blog” Then I checked my email and there were the notifications. Am I psychic?

    • Zakiah says:

      So funny. Made me laugh out loud. Yup, that’s what has been happening; I had not gone to WP in a while, and now trying to take care of all the comments and posts! ๐Ÿ™‚

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