20 Mar 2011

A BANK ACCOUNT MISTERY

My classmate of my painting group Michele got a letter for her husband from her bank. She was a little surprised because her husband had died 23 years ago. As he couldn't open the letter anymore she did it and found a letter informing him or in this case her, that he still had a bank account with them, and that there were around 30 € (42 $) left, which wouldn't cover the fees for the bank account in the next years. They suggested him to close the account.

Michele had had a marriage contract so that both had seperate accounts and she had no procuration to close this account. It also was technically impossible to let him come back just for closing a bank account. But the heir could, and in this case it was her daughter, who was on holidays in France.

Now to close this account there are tons of formulars to be filled in and also a tax declaration for the 30 € as inheritance. There were no interests on this account because in the 23 years it had all been deducted as bank account fee.

So don't be surprised if suddenly a bank may remember you after more than 20 years ! I am sure that if the bank account was in debit, they would have noticed it the day he died !

Some real stories are far better than fairy tales !



6 comments:

diane b said...

Banks must be the same the world over.

Jo said...

Diane has it in a nutshell. Banks are amazing. And as for the tax man... Probably cost more in paper, postage and effort (on the heir's behalf) to close that account than it was worth. Great post Gattina! Have a great weekend. Jo

Maribeth said...

We got a note from our "old" bank telling us that they would begin charging us for our account. So we found a new bank and switched. Thankfully, Hubby and I were both alive to sign the documents! ;o)

wenn said...

well, my late father had a letter from a hospital!

Mary said...

That is incredible. What is really incredible is that they've waited this long! Wonder how much was in the account to begin with, and did they just take out the bank charge every year?

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