Dying is Against PayPal's TOS

Discussion in '[H]ard|OCP Front Page News' started by rgMekanic, Jul 10, 2018.

  1. Zyme

    Zyme Limp Gawd

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    I've always hated paypal so much I refuse to use it or buy from vendors that require it. I did have an account. But I'm stuck in an unresolvable loop trying to verify my identity to a new set of credentials that I gave up. Fuck you, Paypal. Oh sure, I could work through their customer service and resolve the issue. But why would I? I have a fucking credit card that works perfectly fine on 99% of the websites I purchase things on. And if it is compromised? I have 100% fraud protection. So suck my dick if I can't remember what I said the name of my first pet was in 2011, or the street name I was born on, or any of that shit. Not. Fucking. Worth it.
     
  2. harbingerofdoom

    harbingerofdoom Limp Gawd

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    robot - psycho - lawyer.

    there's a difference?
     
  3. funkydmunky

    funkydmunky [H]ard|Gawd

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  4. M76

    M76 [H]ardness Supreme

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    Sure if going out in style is fucking with your inheritors. Unless you have literally no next of kin and the state will inherit your debts.
     
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  5. deton8

    deton8 Limp Gawd

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    Don't worry, the AI scripts at Paypal will fire the guy who sent this insensitive letter.
     
  6. kju1

    kju1 2[H]4U

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    It doesnt matter how it was sent. What matters is they had that in there in the first place ;).

    For the most part your next of kin are not responsible for your debts...unless you live in Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin or Alaska. Those are community property states and your spouse could be liable. Your children? I dont think.
     
  7. pek

    pek prairie dog

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    Get a room you two.
     
  8. Exavior

    Exavior [H]ardForum Junkie

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    The problem is that people keep saying that your next of kin aren't responsible but the letter wasn't sent to her next of kin. This letter was sent to her, even though she was dead. So they were not expecting her husband or whomever to pay this, they were expecting her to pay this. As explained by others this is to be done by the estate. In theory anything owned by the wife should be sold and used to pay off her debt. If she had a separate bank account with money in it that would be used to pay off her debt. If the estate has no money or assets then it ends there outside of the mentioned states. There is a difference between your spouse not being responsible and nobody being responsible. They won't just wipe out all debt and let you keep everything. If a house or car is only in one name and that person dies, their spouse won't be able to keep that payment free going forward. There is going to be some collection of items in some cases depending on what the debt is in regards to.
     
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  9. kju1

    kju1 2[H]4U

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    Yup I understand that her estate IS her post mortem. I was just replying to the people who were under the impression that her next of kin were responsible.
     
  10. motomonkey

    motomonkey [H]ard|Gawd

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    robot, psycho or lawyer are not mutually exclusive...
     
  11. motomonkey

    motomonkey [H]ard|Gawd

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    lol, you beat me to it, what I get for not reading the entire thread before I post.
     
  12. DKS

    DKS Limp Gawd

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    There is a Monty Python sketch in here.
     
  13. DKS

    DKS Limp Gawd

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    Even harder to collect from the dead. Having been an estate executor, I have had the pleasure of saying to a collection agency, "There is nothing left in the estate. Try to collect. I dare you. If you do, I will meet you in court."
     
  14. motomonkey

    motomonkey [H]ard|Gawd

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    They sort of already did it... one of my favorites.

    Part V: Live Organ Transplants
    The sketch:
    [Jewish music-- 'Hava Nagila']

    ANNOUNCER: The Meaning of Life: Part Five: Live Organ Transplants.
    [ding dong]

    MR. BROWN: [cough] Don't worry, dear! I'll get it! [cough]
    [ding dong ding dong]
    [ding dong ding dong]

    MR. BROWN: Yes?

    MAN: Hello. Uhh, can we have your liver?

    MR. BROWN: My what?

    MAN: Your liver. It's a large, ehh, glandular organ in your abdomen.

    ERIC: [sniff]

    MAN: You know, it's, uh,-- it's reddish-brown. It's sort of, uhh,--

    MR. BROWN: Yeah,-- y-- y-- yeah, I know what it is, but... I'm using it, eh.

    ERIC: Come on, sir.

    MR. BROWN: Hey! Hey! Stop!

    ERIC: Don't muck us about.

    MR. BROWN: Stop! Hey! Hey! Stop it. Hey!

    MAN: Hallo.

    MR. BROWN: Ge-- get off.

    MAN: What's this, then? Mmh.

    MR. BROWN: A liver donor's card.

    MAN: Need we say more?


    followed by lots of screaming and other silly stuff.



    "So remember, when you're feeling very small and insecure,
    How amazingly unlikely is your birth,
    And pray that there's intelligent life somewhere up in space,
    'Cause there's bugger all down here on Earth."
     
  15. EVIL-SCOTSMAN

    EVIL-SCOTSMAN [H]ardness Supreme

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    “Get” lol

    It been got, 2 days ago.

    < still does not walk like john wayne, will reprhase, < does not roll like john wayne.
     
  16. kju1

    kju1 2[H]4U

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    Pics or it didnt happen.
     
  17. Chebsy

    Chebsy Limp Gawd

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    Hahaha in breach of contract, what are they gonna do, dig her up and prosecute her !!! (sorry for being insensitive to the lady)
     
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  18. EVIL-SCOTSMAN

    EVIL-SCOTSMAN [H]ardness Supreme

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    Dont make me break out the hot dog pic.

    U know the one.
     
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  19. kju1

    kju1 2[H]4U

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    I dont back down. I reiterate my statement!
     
  20. EVIL-SCOTSMAN

    EVIL-SCOTSMAN [H]ardness Supreme

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    6BA468C1-ACEF-4D99-B1FC-E610DF7ED1CE.jpeg 93CBECB2-782D-4E63-B9D1-673304BD8B27.jpeg 16755361-D75A-4EA0-833D-7710D27AE2B0.jpeg 9776F4A3-75F8-4D59-81CA-726995C0CD51.jpeg [
     
  21. fuzzylogik

    fuzzylogik Gawd

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    I guess they forgot that when you die you usually have to run back to loot your corpse.
     
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  22. DNMock

    DNMock n00bie

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    Because I'm a power bottom, you insensitive bastard!
     
  23. Makaveli@BETA

    Makaveli@BETA 2[H]4U

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    favors.jpg
     
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  24. PaulP

    PaulP Gawd

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    Yeah, my dad set up a living trust for this very reason.
     
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  25. PaulP

    PaulP Gawd

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    Uh, no. In the US at least, your next of kin don't have to pay your outstanding debts, unless you mean that they inherit less from your estate. But if you have no/few assets, there's nothing to inherit anyways. And they can't attach life insurance policy proceeds either, because those are not considered part of the deceased's estate. Also, the state never inherits your debts, the creditors simply eat the loss. It's just another cost of doing business for them.
     
  26. EVIL-SCOTSMAN

    EVIL-SCOTSMAN [H]ardness Supreme

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    Do not want to taint my ipad with gay hot dogs.

    Plus Kyle will see that I was searching for Gay Love and some hawt dogs.

    ^ instant 2 week ban.

    Trust me, it really is 2 weeks
     
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  27. nightfly

    nightfly 2[H]4U

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    NO, it's simply a natural response to the banking institutions pushing the limits and becoming loan sharks. They also have institituted plenty of measures which screw the customers, and it has become almost universally done by every bank, that it almost screams of it being a conspiracy. Fees up the ass, low interest rates for savings/CD accounts while credit interest at 28% when the prime is 2%, creative mortgages which almost guarantee default with the Feds (read that: The Taxpayers) holding the bag when it happens, changing billing cycles shorter and shorter so by the time you get your bill, even if you mail it on time it might be late, generating a late fee, the ways the banking industry has come up with screwing it's customers seem limitless. You can't even start a savings account for your kid anymore, as they will charge you a 'maintenance fee' every month so the kid will soon have nothing in the account. Got a mortgage from say, Chase? Because that's where you do your banking? Well, by the time you close on your house, your mortgage will have been sold to another institution perhaps even more than once. So much for keeping it all in one place.

    Banks and bankers suck. Once upon a time, you knew your local banker, and if you had been a good borrower, could rely on reasonably honest and decent assistance from him in return for keeping your money in his bank, for him to profit by loaning it out at a slightly higher interest rate, and paying off any loans on time. No longer. Now it's all, get the most fees out of a depositor until all the money's gone.
     
  28. haste.

    haste. [H]ard|Gawd

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    My bad - wasn't aware of that. In the US it's next of kin and if married it's my opinion you are taking on that debt through the civil union... but yes Paypal fucked up in this case being that the UK doesn't pass down debt.

    On another note that is pretty silly, a dying partner could extend extreme amounts of debt and the survivor be off scott free.
     
  29. EVIL-SCOTSMAN

    EVIL-SCOTSMAN [H]ardness Supreme

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    Depends.

    Example, asking x company for say a small loan, or you use credit for a purchase, thats on them only.

    Needing big money, you put up your house as collateral, if husband lived in it and his wife died owing thousands, if its on the house the house is gone and hubby goes wtf bitch.

    Small shit, cars, etc, only on 1 person.

    So, it depends, either way, if someone died and owed money to x y z, they can go after their estate, alot dont bother, some try and hassle the partner, but just write a letter to bbc watchdog and company will be fuked by next weeks episode and will start crawling up their assess’s to please bbc tv

    Conclusion.

    Fuck you we got bbc watch dawg, nobody fucks with watchdawg unless its dodgy builders and roofers.
     
  30. Quimby2016

    Quimby2016 n00bie

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    ctualy all your personal debt does vanish upon death, if your estate cant cover it its gone.
     
  31. Exavior

    Exavior [H]ardForum Junkie

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    Actually as many have said, in the US that isn't actually how it is either. Many people don't know that or realize that so when somebody tells them pay up or I am taking you to court they freak out and pay the money. However in the USA, if you have a loan for $5000 and it is in your name and your name only, if you pass away then your wife or kids have legal responsibility to pay that off. Unless you live in one of the few states brought up a few times that have what they call community property. If you live in one of those states everything purchased is owned 50/50 by both partners. So taking out a loan is considered 50/50 even if both names are not on it. If you don't live in one of those states, if your wife buys a car with her money that is 100% her car if your name is not on it. If you buy a new TV that is your TV not both of yours if you purchase it with your own money. Same goes for debt, if that debt is not in your name and your partner dies, that is their debt and their debt only. However many people are not aware of this and will pay off stuff that really they don't have to.
     
  32. PantherBlitz

    PantherBlitz Limp Gawd

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    Exactly, even though they do sometimes try to guilt family members into paying off through insurance, etc. That being said, be careful because if a decedent's name is on any piece of real estate or other titled assets like cars they most certainly can attach a lien on them until the debt is settled. They also can file in probate to but the brakes on the estate being paid off to inheritors.

    Spouses may want to file taxes separately if there is a possibility of refunds being diverted to the creditors.
     
  33. lcpiper

    lcpiper [H]ardForum Junkie

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    And the proper response is;


    I agree completely, no remedy is possible, we're done here.
     
  34. haste.

    haste. [H]ard|Gawd

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    Such as which states? Assuming far south. I've worked in FI for 15 years and have yet to hear of that. And if your wife pays 100% for a vehicle she isn't borrowing that money. Guess I'm a bit confused.
     
  35. haste.

    haste. [H]ard|Gawd

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    Huge misconception. You realize the estate is next of kin right unless specified in a will?
     
  36. Exavior

    Exavior [H]ardForum Junkie

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    Actually it is the western / south western states mostly. Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin or Alaska (if a husband and wife chose their stuff to be community property).

    I wasn't referring to loans at that point. Community property refers to property (items) in general. So lets take a couple in California. Wife uses her money to buy a car paying for in full. If her and her husband get divorced they have to split the car 50/50 (or the value of it at least). If in Florida where you are now and the same thing was to happen, the car would be considered the wife's car and the husband would get zero percent of the value in a divorce. In the community property states anything that you purchase or take on (with the exception of inheritance) is considered owned by both the husband and wife, this could be things purchased outright such as tvs, houses, cars, or loans taken out by either person. Basically there is no concept of her money, his money. Everything that you have is considered both of yours 50/50 no matter what it is. Laws are a tad different in all the states but as a rough explanation of how it works. https://en.wikipedia.org/wiki/Community_property that will help explain it a little more.
     
  37. PaulP

    PaulP Gawd

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    Just went though this recently, so I have some experience. You are correct that in the case of no will, the next of kin generally inherits the estate, but the probate court can award it to someone else depending on the situation. But whoever is named as inheritor, they do not become synonymous with the estate and are not totally responsible for it. Only assets owned by the decedent at the time of death can be claimed by creditors; they can't legally force the inheritor(s) to satisfy any remaining debt owed by the estate. The same is true if the decedent had a will, but in that case the probate court has less say in who is an inheritor and how the assets are divided. The best thing you can do for your family is to create a living will trust. Everything you own goes into the trust and when you die, the executor (who you name) will have the strongest hand possible when settling your estate.
     
  38. piscian18

    piscian18 [H]ardForum Junkie

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  39. jpm100

    jpm100 [H]ardness Supreme

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    Tbh the wording is insensitive. But I would guess it break TOS which allows Paypal more latitude on what to do with the account. Share it with others like the spouse if you didn't set it up, etc.
     
  40. Chupachup

    Chupachup Limp Gawd

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    72547457.jpg

    I'd be be all kinds of red Swingline pissed off!!!

    office-space-milton.jpg
     
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