General Chat

thinking of you <3 <3 <3

lorraine

Sorry to read your sad news Maureen condolences to you and yours,


Take at least 6/8 copies of DC,a printer shop or one with a copy machine can reel them off for about 4p each,

GB so sorry to hear of your loss. Here's a bit of what I found out when I sorted out Dad's estate.

As your sister has left a house, she has left money so I doubt there will be any grant to cover funeral expenses but it wouldn't heard to ask.

The responsibility of paying for a funeral lies with your sister. This sounds really harsh but please don't let your mum pay the bill as it can affect any death duties payable.

It is cheaper to get multiple death certs when you register than at a later date.

The registrar should give you a form to stop all junk mail; fill it in because it works.

Contact any previous employers that you know, there may be money to come from an untaken pension.

Study all bank statements carefully to find out what was coming in and where it was coming from.

Take your time and take care

**Just noticed you've already registered the death. The registrar can give you more death certs which I'm afraid you'll have to pay for.

You mentioned a small mortgage. If there is one, she is likely to have a linked life insurance. If you do come across a mortgage - a bank statement would show regular payments to a morgage provider- they would probably have a record of it.

Even if expected, a death sends you into a spin. If mum can't cope you can probably do the leg work and just ask her to sign what you put front of her.

The probate office has a link on the .gov.uk site. From memory they have a help line phone number for when you are ready to apply for Administration. You're likely to need several Sealed copies.

ADDED - .gov.uk link re dealing with assets
https://www.gov.uk/wills-probate-inheritance/overview

<3

Maureen,
Don't get a solicitor involved at the moment..
Need to call in s funeral director and they should visit at home .

Just deal with the bank and all utilities for now,Council tax will need informing.

You may need about 6/7 copies of the death cert as the Mortgage,bank will want to either see copies or keep a copy.

My Deepest Condolences to you and your Mum and the rest of the family.

Sue XXXXX

My sister was talking last week to her friend Ian about making a will but he says she never got around to it. Not surprised given the amount of hospital appointments she had.

He would know as he spent a lot of time helping her as she hardly ever involved Mum and certainly never me.

Off now to see Mum.

Thanks all of you and will catch up later.

Have a good day

Maureen

Is there a will? That's the first thing you check. If there's a will it may say all funeral expenses come out of the estate. A solicitor will inform everyone about the death and be able to sort tax etc out.

The house can be sold and the mortgage repaid, my sister went through this when her ex husband died. Her ex left everything to her in his will and the house still had a mortgage. The solicitor contacted the mortgage people and when the house was sold the solicitor paid all debts off before sending my sister the residue.

My sincere condolences on your loss. <3

I had a joint account with Fred and, when I rang them to have him removed from it, I was put on to a department at the bank that deals with bereavement,

They were very helpful and supportive.

I wonder if somewhere like Cruse who are a charity to support the bereaved would be the place to turn to.

Not a problem with going overboard with anything at the moment Shirley.

Just grateful for any help at all.

Council has a leaflet so will call in on the way down to Mum this morning.

Don't want to to go overboard with advice at this sad time. Maybe this is a better site to look at

https://www.gov.uk/after-a-death

Thanks Dizzi.


Registrar gave me details, with reference number, to do a lot of the government things online. So that has taken care of passport, driving licence etc.

Funeral is going to be a problem. She told her friend last week that she does not want to go in the family plot but wants a burial. Family plot is just for ashes.

So Mum and I are going to discuss that this morning.

If your sister didn't have much money you may be able to apply for a local council bereavement grant towards the cost of the funeral

Our sister in law applied for this when our brother died last sep as they didn't have much money and she was awarded an amount which helped

They didn't own property though but it's worth enquiring

NO ADVICE JUST SENDING HUGS XXXX

Sorry Maureen I didnt notice it was Northern Ireland as I didn't specify that

Looks like the CAB is your best bet. But do also talk to her bank as they may well be able to advise

I know when we did our wills and then asked the bank what we should do if one of us died as we have separate bank accounts. they gave us some good legal advice on how to proceed

Your should see a solicitor too but in the meantime you can go ahead with any funeral arrangements .

My sister lost her hubby in Dec but wasnt able to cope with all the running around. plus informing utilities , government pensions. Company pensions etc so one of their sons did all that was needed and he didn't have any problems doing this

Mum will be paying for the funeral as there is no life insurance and we think there is not a lot of money in the bank

Not sure if we are going to the house today or tomorrow to sort through paperwork etc.

The house will be the biggest problem as we believe there is still a small mortgage.

Think I should have got more copies of the death cert as I know some places will not accept photocopies.

Thanks Shirley

I have taken details from CAB site but that was not that clear..

Is that Northern Ireland ?

Concentration levels are a bit down at the moment.

Maureen

Think you can inform the utilities etc. and should do so soonest they may require a Copy of the death cert

Her bank too should be informed as presumably there were bills being being paid from her account. The bank will continue with standing orders/direct debits otherwise

They will continue to pay essentials from her account whilst it is being settled including any funeral expenses .

My condolences to your family on your loss Maureen



This may help you

http://www.nidirect.gov.uk/what-to-do-if-there-is-no-will

My sister died. on Monday. It was expected as she had cancer.

Mum is next of kin but she can not cope with sorting everything out so I have to do it.

But I do not have a clue what to actually do. All I have done so far was go to the Registrar Office and register her death on Tuesday.

No will so do I get a solicitor involved as there is a house to be dealt with etc ?

As I am not next of kin can I go to the bank or sort out utilities etc or do I have to wait until we see a solicitor.

I feel like a fish out of water as never done anything like this before.

Any help would be appreciated so that I do things right and in the correct order.

R.I.P. Janis 1954 - 2015


Maureen