The Richmond Register


July 24, 2006

MBNA talks to the dead

RICHMOND — “I’ll be coming home, wait for me” — Righteous Brothers, “Unchained Melody,” (theme from the movie, “Ghost”)

My mother allegedly died on April 2. I say allegedly because a collector representing MBNA said he talked to her on June 21.

Until I saw a letter from Dale Lamb, I felt pretty certain my mother was dead.

I viewed her lifeless body at the hospital. A funeral director I have known since the second grade gave me an urn that supposedly contained her ashes. I have a death certificate from the state of Kentucky.

Despite all that, Lamb claims to have talked to her on June 21. You can find a copy of the letter from Lamb and my mother’s death certificate at

Thanks to MBNA and their collector — the ironically named, True Logic Financial Corp. — mom is now in a category with Elvis Presley, Kurt Cobain and Jim Morrison. She has been deemed alive despite tremendous evidence to the contrary.

Mom would love being associated with Elvis, but would not have been wild about being categorized with Kurt and Jim.

It seems almost comical, but I am really angry. My mother died without warning, and I miss her. If MBNA’s collector is able to talk to her, I wish he would give me her number.

The story about my mom and MBNA is an example of why credit card companies need more regulation.

I was named administrator of mom’s estate after she supposedly died. I then received a letter from a company called Mann Bracken, saying MBNA had obtained an arbitration award against mom.

No one in my family knew anything about a debt to MBNA or had seen notice of an arbitration hearing. Mom was supposedly dead, so we could not ask her.

I hired a lawyer to contact Mann Bracken to give us some verification of the alleged debt and arbitration award. Two months went by with no response. The attorney followed up again, but Mann Bracken never got back to us.

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