I'm not sure where to start, but I need to, um, vent. My mom died in October. I've been talking about her hoarding and the "finds" we've discovered while cleaning out her house in this thread.
Mom had a house, a truck, and an atv, all of which have loans against them. She had a couple small credit cards. I thought that was it for debt (bad enough).
She had two life insurance policies, one that (thankfully) has me and my brother listed as beneficiaries and one that still has her late husband listed as beneficiary. She had a checking and savings totaling about $7000 with the credit union (the same place she had the atv loan), but that was it for deposit accounts. She also had a checking account that was the life insurance from when her husband died in March.
I was/am on the checking account at the CU, but that's moot now. They put a freeze on the account as soon as I told them she'd died, so I couldn't use the accounts to pay her past due utility bills. When I didn't pay off the atv loan within a month after she died, the CU took the money out of the checking account to pay down the atv loan, leaving another $1800 owing on the loan. I'm disappointed that they didn't call me before doing that, but they do have right of setoff per the loan documents.
The mortgage and truck loan, as well as the insurance on both, are with a national bank featuring a stagecoach in their logo. They've been just awful to deal with. Apparently, both the loans were past due the day Mom died. I don't know why - the payments were set up on automatic payment and she had enough money in the checking account. Now it's almost 2 months since she died and Stagecoach is calling and leaving a message on her answering machine every day. It doesn't matter that I tell them that she's dead. They won't take the account off the autodialer as long as it's past due, and the person who gets connected to us doesn't have a chance to look at the account notes before they get connected.
It doesn't help that Stagecoach Mortgage doesn't talk to Stagecoach Auto Loans doesn't talk to Stagecoach Insurance. So even if I do manage to get through to one of them, I have to call the others, too, and have the same conversation.
More to come.
Mom had a house, a truck, and an atv, all of which have loans against them. She had a couple small credit cards. I thought that was it for debt (bad enough).
She had two life insurance policies, one that (thankfully) has me and my brother listed as beneficiaries and one that still has her late husband listed as beneficiary. She had a checking and savings totaling about $7000 with the credit union (the same place she had the atv loan), but that was it for deposit accounts. She also had a checking account that was the life insurance from when her husband died in March.
I was/am on the checking account at the CU, but that's moot now. They put a freeze on the account as soon as I told them she'd died, so I couldn't use the accounts to pay her past due utility bills. When I didn't pay off the atv loan within a month after she died, the CU took the money out of the checking account to pay down the atv loan, leaving another $1800 owing on the loan. I'm disappointed that they didn't call me before doing that, but they do have right of setoff per the loan documents.
The mortgage and truck loan, as well as the insurance on both, are with a national bank featuring a stagecoach in their logo. They've been just awful to deal with. Apparently, both the loans were past due the day Mom died. I don't know why - the payments were set up on automatic payment and she had enough money in the checking account. Now it's almost 2 months since she died and Stagecoach is calling and leaving a message on her answering machine every day. It doesn't matter that I tell them that she's dead. They won't take the account off the autodialer as long as it's past due, and the person who gets connected to us doesn't have a chance to look at the account notes before they get connected.
It doesn't help that Stagecoach Mortgage doesn't talk to Stagecoach Auto Loans doesn't talk to Stagecoach Insurance. So even if I do manage to get through to one of them, I have to call the others, too, and have the same conversation.
More to come.
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