mymeowcat
Nov 25th, 2008, 03:18 AM
I have a brother who had a stroke recently.
My brother had CC balance protection in which he paid out all the time.
When he suffered a stroke --- the insurance company which insures his credit card was told of his stroke and impairment and requested he fill out a separate form which he was required to fill out AND sign.
Doctors told us that stroke victims and and brain injury victims RARELY have the ability to sign anything. They are lucky just to be alive. Many victims willnever be able to write or speak again. Doctors will not consent to a letter for "power of attorney" since brother is "not fully operational" and possibly hallucinating half the time.
Doctors will NOT sign anything granting you power of attorney thus you are stuck paying off either minimum balances or paying the credit card in full yourself!:cry:
I checked with a lawyer --- By definition of a stroke --- you have a brain injury an not capable to make sound and good decisions and can not give you a power of attorney. You must apply for Guardianship and trusteeship which takes you 2 months minumum for court and costs more than the typical credit limit.
Trust me --- if you ever need a CC balance protection and try to collect --- it is nearly impossible to even get the insurance company to pay the minimum monthly balance.
IT ALMOST APPEARS TO ME THAT THE TD VISA THING IS A FRAUD --- IF YOU ARE NOT CONVINCED --- TRY TO FIND SOMEONE WHO ACTUALLY BENEFITTED FROM CC BALANCE PROTECTION.
My brother had CC balance protection in which he paid out all the time.
When he suffered a stroke --- the insurance company which insures his credit card was told of his stroke and impairment and requested he fill out a separate form which he was required to fill out AND sign.
Doctors told us that stroke victims and and brain injury victims RARELY have the ability to sign anything. They are lucky just to be alive. Many victims willnever be able to write or speak again. Doctors will not consent to a letter for "power of attorney" since brother is "not fully operational" and possibly hallucinating half the time.
Doctors will NOT sign anything granting you power of attorney thus you are stuck paying off either minimum balances or paying the credit card in full yourself!:cry:
I checked with a lawyer --- By definition of a stroke --- you have a brain injury an not capable to make sound and good decisions and can not give you a power of attorney. You must apply for Guardianship and trusteeship which takes you 2 months minumum for court and costs more than the typical credit limit.
Trust me --- if you ever need a CC balance protection and try to collect --- it is nearly impossible to even get the insurance company to pay the minimum monthly balance.
IT ALMOST APPEARS TO ME THAT THE TD VISA THING IS A FRAUD --- IF YOU ARE NOT CONVINCED --- TRY TO FIND SOMEONE WHO ACTUALLY BENEFITTED FROM CC BALANCE PROTECTION.