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#21
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OT - Damned insensitivity
Wow, they sure do things differently. Since our was joint, there was no
problem. After some of the hideous stuff I went through, I feel sorry for people who are shy about some things. You learn to stand up for yourself PDQ or you can get in a jam. The bank did want me to put one of my kids on my account and I said NO. Not until I got it all sorted out and then, only in case of my death. Yes, I can trust them, but not necessarily their spouses. "Lesley" wrote in message ... On Jul 25, 3:30 pm, "Granby" wrote: The bank wouldn't let me take Bob's name off our account for two years, said there may be insurance checks to be deposited. They were right but, there was no trouble depositing things with his name on them. Couldn't cash right out but could deposit. Maybe they had separate accounts of banks with a different policy The morning after my father died my mother notified the bank who that very second she called put an immediate stop on ALL their joint accounts- cancelled the cash point cards and everything until she (or someone with a written statement from her that they were acting on her behalf) took the official death certificate into the bank whereupon they would open a new account in her name and send out new cards within 10 working days! So, less than 24 hours after being widowed my mother had the cash in her purse and nothing else....No way to pay for the funeral until she got the bank sorted out. Luckily, my youngest brother could cover for everything until it was sorted but once she did have a new bank account he walked into that bank, where he also banked and closed his account with them- and told them in no uncertain terms why they were losing his consider business. Lesley Slave of the Fabulous Furballs |
#22
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OT - Damned insensitivity
Magic Mood Jeep wrote: "EvelynVogtGamble(Divamanque)" wrote in message ... Cheryl wrote: My mom decided to sell my dad's car and got a few quotes from dealers on trade-ins and also went to Carmax, who gave a good quote. She went today to finalize the sale and I don't know the whole story because mom was crying when she told me, but they gave her a hard time because the death certificate for my dad wasn't stamped, and apparently the death certificates here aren't stamped like they used to be, and the Carmax person wouldn't accept it because of that. Actually, when she first went in for the quote they never told her they needed a death certificate to make the sale, and she just brought one along as an afterthought. After having to escalate the problem to management and her losing it and crying asking why they are giving her such a hard time after just losing her husband and she didn't know what she was supposed to do? I told her she needs to call me in these situations because I didn't know she was going in there today to do this. She is way more important to me than my job and I'd leave work to go help her. *sigh* I'm not sure where you live, but I assume somewhere in the U.S. For what possible reason would they require a death certificate? I have disposed of quite a few cars over the years, and all that was ever required was the pink slip. (And if that's unavailable, one can get a duplicate.) If the vehicle in question is in your name, just having the "pink slip" (hereafter called a title) is all that's needed in order to sell it. If the vehicle's title is in the name of a deceased person (and no other person is listed, such as a surviving spouse or child/parent/sibling), the buyer should require a copy of the death certificate in order to ensure that they are not buying a stolen vehicle. Also helps with getting title of said vehicle transferred to the survivor's name to have a death certificate, since the owner simply cannot be there to sign it over. So I could have sued my insurance company, when they allowed my ex to collect the money, after he totalled my car? It was in my (maiden) name, because I had bought it prior to our marriage - but of course the replacement he bought was in his name. (Also it had standard transmission, rather than automatic, so I couldn't drive it.) |
#23
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OT - Damned insensitivity
"William Hamblen" wrote in message ... On Sat, 25 Jul 2009 19:58:08 GMT, Judith Latham wrote: I'm so sorry you're Mom had this happen. I really don't know what goes on in some peoples' heads. How would they have liked to be treated this way. Is Carmax a part of a chain with a head office? If so I would write to the head office if you get no apology, possibly compensation. But then again, your Mom's been through enough so anything you do about it, don't tell her until afterwards. Things get awfully legalistic in inheritances. If a certified copy of a death certificate is required by law, there are no if ands or buts about it. A copy made on an office copier will not do. You need to get the real thing from the state. What my mom was given from the funeral home were indeed certified copies of the death certificate, it's just that our county or state or whoever provides them don't use a raised seal anymore. That's what's caused all of the recent problems with the car sale. She hasn't copied one for any purpose which is why she ordered something like 25 of them for everything that requires one. |
#24
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OT - Damned insensitivity
"EvelynVogtGamble(Divamanque)" wrote in message m... Magic Mood Jeep wrote: "EvelynVogtGamble(Divamanque)" wrote in message ... Cheryl wrote: My mom decided to sell my dad's car and got a few quotes from dealers on trade-ins and also went to Carmax, who gave a good quote. She went today to finalize the sale and I don't know the whole story because mom was crying when she told me, but they gave her a hard time because the death certificate for my dad wasn't stamped, and apparently the death certificates here aren't stamped like they used to be, and the Carmax person wouldn't accept it because of that. Actually, when she first went in for the quote they never told her they needed a death certificate to make the sale, and she just brought one along as an afterthought. After having to escalate the problem to management and her losing it and crying asking why they are giving her such a hard time after just losing her husband and she didn't know what she was supposed to do? I told her she needs to call me in these situations because I didn't know she was going in there today to do this. She is way more important to me than my job and I'd leave work to go help her. *sigh* I'm not sure where you live, but I assume somewhere in the U.S. For what possible reason would they require a death certificate? I have disposed of quite a few cars over the years, and all that was ever required was the pink slip. (And if that's unavailable, one can get a duplicate.) If the vehicle in question is in your name, just having the "pink slip" (hereafter called a title) is all that's needed in order to sell it. If the vehicle's title is in the name of a deceased person (and no other person is listed, such as a surviving spouse or child/parent/sibling), the buyer should require a copy of the death certificate in order to ensure that they are not buying a stolen vehicle. Also helps with getting title of said vehicle transferred to the survivor's name to have a death certificate, since the owner simply cannot be there to sign it over. So I could have sued my insurance company, when they allowed my ex to collect the money, after he totalled my car? It was in my (maiden) name, because I had bought it prior to our marriage - but of course the replacement he bought was in his name. (Also it had standard transmission, rather than automatic, so I couldn't drive it.) Sounds rather more like you should have sued your ex. Assuming both the car and the insurance policy were only in your name. Any check they issue is going to be payable to the policy holder(s), but then it could be deposited to a joint account and raided from there. Joint bank accounts aren't always such a hot idea. Jo |
#25
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OT - Damned insensitivity
"Cheryl" wrote in message ... My mom decided to sell my dad's car and got a few quotes from dealers on trade-ins and also went to Carmax, who gave a good quote. She went today to finalize the sale and I don't know the whole story because mom was crying when she told me, but they gave her a hard time because the death certificate for my dad wasn't stamped, and apparently the death certificates here aren't stamped like they used to be, and the Carmax person wouldn't accept it because of that. Just a bit of advice I always gave my tax clients and family, when there is a death make sure you get at least ten certified copies of the death certificate right away. More if there are several bank accounts or insurance policies. And always keep one with you until everything is settled, just in case. Its a real pain to get extra certifies copies later, and anyone that need a death certificate, needs a certified one, not a copy. I'm really sorry your mother went through this. But I think everyone that has to settle an estate or deal with the business part of a death of a loved one hits something similar at least once or twice. Raw emotions make it very hard to cope, and sometimes they surface just out of nowhere. That kind of emotion is very difficult for some people to handle, and they react badly out of their own emotions and fears. Jo |
#26
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OT - Damned insensitivity
On Sun, 26 Jul 2009 13:29:40 -0700, "EvelynVogtGamble(Divamanque)"
wrote: Magic Mood Jeep wrote: "EvelynVogtGamble(Divamanque)" wrote in message ... Cheryl wrote: My mom decided to sell my dad's car and got a few quotes from dealers on trade-ins and also went to Carmax, who gave a good quote. She went today to finalize the sale and I don't know the whole story because mom was crying when she told me, but they gave her a hard time because the death certificate for my dad wasn't stamped, and apparently the death certificates here aren't stamped like they used to be, and the Carmax person wouldn't accept it because of that. Actually, when she first went in for the quote they never told her they needed a death certificate to make the sale, and she just brought one along as an afterthought. After having to escalate the problem to management and her losing it and crying asking why they are giving her such a hard time after just losing her husband and she didn't know what she was supposed to do? I told her she needs to call me in these situations because I didn't know she was going in there today to do this. She is way more important to me than my job and I'd leave work to go help her. *sigh* I'm not sure where you live, but I assume somewhere in the U.S. For what possible reason would they require a death certificate? I have disposed of quite a few cars over the years, and all that was ever required was the pink slip. (And if that's unavailable, one can get a duplicate.) If the vehicle in question is in your name, just having the "pink slip" (hereafter called a title) is all that's needed in order to sell it. If the vehicle's title is in the name of a deceased person (and no other person is listed, such as a surviving spouse or child/parent/sibling), the buyer should require a copy of the death certificate in order to ensure that they are not buying a stolen vehicle. Also helps with getting title of said vehicle transferred to the survivor's name to have a death certificate, since the owner simply cannot be there to sign it over. So I could have sued my insurance company, when they allowed my ex to collect the money, after he totalled my car? It was in my (maiden) name, because I had bought it prior to our marriage - but of course the replacement he bought was in his name. (Also it had standard transmission, rather than automatic, so I couldn't drive it.) If the car is titled to the wife, then the wife should be named as the insured. Husbands and children who also drive the car are named as additional insureds. It's poor underwriting to issue a policy to someone who doesn't own the car. Bud |
#27
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OT - Damned insensitivity
On Sun, 26 Jul 2009 17:03:20 -0400, "Cheryl"
wrote: "William Hamblen" wrote in message .. . On Sat, 25 Jul 2009 19:58:08 GMT, Judith Latham wrote: I'm so sorry you're Mom had this happen. I really don't know what goes on in some peoples' heads. How would they have liked to be treated this way. Is Carmax a part of a chain with a head office? If so I would write to the head office if you get no apology, possibly compensation. But then again, your Mom's been through enough so anything you do about it, don't tell her until afterwards. Things get awfully legalistic in inheritances. If a certified copy of a death certificate is required by law, there are no if ands or buts about it. A copy made on an office copier will not do. You need to get the real thing from the state. What my mom was given from the funeral home were indeed certified copies of the death certificate, it's just that our county or state or whoever provides them don't use a raised seal anymore. That's what's caused all of the recent problems with the car sale. She hasn't copied one for any purpose which is why she ordered something like 25 of them for everything that requires one. In that case the car dealer needs to know better. Raised seals are pretty scarce these days. I've obtained court documents with the clerk's seal that was nothing more than a rubber stamp. Bud |
#28
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OT - Damned insensitivity
"William Hamblen" wrote in message ... If the car is titled to the wife, then the wife should be named as the insured. Husbands and children who also drive the car are named as additional insureds. It's poor underwriting to issue a policy to someone who doesn't own the car. Bud I don't know. We've had the same Allstate since we moved to California forty years ago. A joint policy. At various time over the years there have been cars that were titled only to Charlie or only to me, although most have been jointly owned. I'm pretty sure that any claim checks we've received have been payable to us both. When you have a joint bank account with someone, it is extremely easy for either one of you to deposit a check made out to the other one and then to remove the money from the account. You have implicitly agreed to this by opening a joint account with them, and probably explicitly as well if you read the stuff you sign when you open the account. So you might have legal recourse against the other person if they weren't entitled to the money, but not against the bank or whoever issued the check. But I'm not a lawyer, and states vary. So check with one when it matters. Jo |
#29
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OT - Damned insensitivity
If she has a lawyer, he needs to call the car people and inform them of how
things are. "William Hamblen" wrote in message ... On Sun, 26 Jul 2009 17:03:20 -0400, "Cheryl" wrote: "William Hamblen" wrote in message . .. On Sat, 25 Jul 2009 19:58:08 GMT, Judith Latham wrote: I'm so sorry you're Mom had this happen. I really don't know what goes on in some peoples' heads. How would they have liked to be treated this way. Is Carmax a part of a chain with a head office? If so I would write to the head office if you get no apology, possibly compensation. But then again, your Mom's been through enough so anything you do about it, don't tell her until afterwards. Things get awfully legalistic in inheritances. If a certified copy of a death certificate is required by law, there are no if ands or buts about it. A copy made on an office copier will not do. You need to get the real thing from the state. What my mom was given from the funeral home were indeed certified copies of the death certificate, it's just that our county or state or whoever provides them don't use a raised seal anymore. That's what's caused all of the recent problems with the car sale. She hasn't copied one for any purpose which is why she ordered something like 25 of them for everything that requires one. In that case the car dealer needs to know better. Raised seals are pretty scarce these days. I've obtained court documents with the clerk's seal that was nothing more than a rubber stamp. Bud |
#30
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OT - Damned insensitivity
Jofirey wrote: So I could have sued my insurance company, when they allowed my ex to collect the money, after he totalled my car? It was in my (maiden) name, because I had bought it prior to our marriage - but of course the replacement he bought was in his name. (Also it had standard transmission, rather than automatic, so I couldn't drive it.) Sounds rather more like you should have sued your ex. Assuming both the car and the insurance policy were only in your name. They were! And the premiums were paid from my account - he didn't have one (or a job, for that matter). Any check they issue is going to be payable to the policy holder(s), but then it could be deposited to a joint account and raided from there. Well, they gave him the check, and he certainly was not the policy-holder! (This was forty+ years ago - the laws may have changed since then, and California has always been a community property state.) Joint bank accounts aren't always such a hot idea. Very true! Of course, I knew most of the negative things about him before we married, and I was certainly old enough to know better. (I was 31, not exactly a naive teen-ager - sometimes "love" really IS blind!) |
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