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  • FIRST POST
    • sarah7610
    • By sarah7610 16th Jul 12, 12:21 PM
    • 135Posts
    • 55Thanks
    sarah7610
    Getting money to pay for funeral, help?
    • #1
    • 16th Jul 12, 12:21 PM
    Getting money to pay for funeral, help? 16th Jul 12 at 12:21 PM
    A close friend of mine unfortunately passed away on Friday after a short battle with Leukemia.
    I went to the funeral directors this morning with his sister and brother to make the final arrangements and it was explained that money was in very short supply.
    The final total of the funeral is over £2000 which is just the basics, (no cars etc.) but his siblings have got to pay £975 before the funeral on Friday 20th.
    It was explained that a grant can be applied for but that can take a few weeks and doesn't solve the problem of the £975.
    My friend didn't own a house or have any pensions or insurance but he does have around £1500 in the bank.
    How can she access this money to pay the funeral costs as she is worried she will be questioned as to why money has gone from the account after his death?
    I hope I explained that ok, any advice please?

    Thanks
Page 1
  • Oliver14
    • #2
    • 16th Jul 12, 12:28 PM
    • #2
    • 16th Jul 12, 12:28 PM
    Cant Help you with funding. But every Funeral Director should offer a basic funeral which is a lot cheaper than you are quoting. They have a habit of not telling people about these.
    'The More I know about people the Better I like my Dog'
    Samuel Clemens
    • antrobus
    • By antrobus 16th Jul 12, 12:28 PM
    • 13,689 Posts
    • 18,971 Thanks
    antrobus
    • #3
    • 16th Jul 12, 12:28 PM
    • #3
    • 16th Jul 12, 12:28 PM
    ...
    My friend didn't own a house or have any pensions or insurance but he does have around £1500 in the bank.
    How can she access this money to pay the funeral costs as she is worried she will be questioned as to why money has gone from the account after his death?
    ....
    Originally posted by sarah7610
    As the next of kin, the sister or brother should approach the bank armed with the death certificate and the bill from the funeral directors. Almost certainly, the bank will pay £975 to the funeral directors.
    • Just Plain Jane
    • By Just Plain Jane 16th Jul 12, 12:34 PM
    • 327 Posts
    • 1,156 Thanks
    Just Plain Jane
    • #4
    • 16th Jul 12, 12:34 PM
    • #4
    • 16th Jul 12, 12:34 PM
    As the next of kin, the sister or brother should approach the bank armed with the death certificate and the bill from the funeral directors. Almost certainly, the bank will pay £975 to the funeral directors.
    Originally posted by antrobus
    This is what we did when my mum died. The bank (Santander) paid the undertaker directly out of her account.
  • floss2
    • #5
    • 16th Jul 12, 12:36 PM
    • #5
    • 16th Jul 12, 12:36 PM
    Cant Help you with funding. But every Funeral Director should offer a basic funeral which is a lot cheaper than you are quoting. They have a habit of not telling people about these.
    Originally posted by Oliver14
    At £2k, that probably IS the basic funeral.
    • daska
    • By daska 16th Jul 12, 12:38 PM
    • 6,013 Posts
    • 11,915 Thanks
    daska
    • #6
    • 16th Jul 12, 12:38 PM
    • #6
    • 16th Jul 12, 12:38 PM
    I would suggest you get some more quotes, ring round and specifically ask each undertaker for the cost of their most basic funeral.
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    • McKneff
    • By McKneff 16th Jul 12, 12:41 PM
    • 34,595 Posts
    • 44,518 Thanks
    McKneff
    • #7
    • 16th Jul 12, 12:41 PM
    • #7
    • 16th Jul 12, 12:41 PM
    I wouldnt bother shopping around.

    2K is extremely cheap for a funeral.
    No one can make you feel inferior without your consent
    • sarah7610
    • By sarah7610 16th Jul 12, 12:44 PM
    • 135 Posts
    • 55 Thanks
    sarah7610
    • #8
    • 16th Jul 12, 12:44 PM
    • #8
    • 16th Jul 12, 12:44 PM
    This is a basic funeral.
    • *Robin*
    • By *Robin* 16th Jul 12, 12:45 PM
    • 3,062 Posts
    • 11,819 Thanks
    *Robin*
    • #9
    • 16th Jul 12, 12:45 PM
    • #9
    • 16th Jul 12, 12:45 PM
    As the next of kin, the sister or brother should approach the bank armed with the death certificate and the bill from the funeral directors. Almost certainly, the bank will pay £975 to the funeral directors.
    Originally posted by antrobus
    Funeral expenses are paid from the deceased's estate; I believe this is the only payment that can be made from the deceased's account before letters of administration or probate has been granted.

    My husband's funeral is going to cost twice what the OP has been quoted, though we have not chosen the cheapest option. I would be upset if the funeral director asked me to pay up front though (mind you, this is the third one I've arranged with him and he knows his bills were settled promptly before - in both cases the deceased's bank paid the FD directly when I sent in the bill).

    ETA: The FD we are using offers a basic service (crematorium) for £1,600.
    • GobbledyGook
    • By GobbledyGook 16th Jul 12, 1:45 PM
    • 2,086 Posts
    • 8,774 Thanks
    GobbledyGook
    Funeral expenses are paid from the deceased's estate; I believe this is the only payment that can be made from the deceased's account before letters of administration or probate has been granted.

    My husband's funeral is going to cost twice what the OP has been quoted, though we have not chosen the cheapest option. I would be upset if the funeral director asked me to pay up front though (mind you, this is the third one I've arranged with him and he knows his bills were settled promptly before - in both cases the deceased's bank paid the FD directly when I sent in the bill).

    ETA: The FD we are using offers a basic service (crematorium) for £1,600.
    Originally posted by *Robin*
    Many funeral directors ask for the disbursements to be paid up front so it's something you should be prepared for.
    • zaxdog
    • By zaxdog 16th Jul 12, 1:56 PM
    • 645 Posts
    • 2,913 Thanks
    zaxdog
    I used to work in the "bereavement" team for HBOS and the bank HAS to settle the funeral expenses and should do so promptly on receipt of a death certificate and undertakers invoice.
    • StaffieTerrier
    • By StaffieTerrier 16th Jul 12, 2:00 PM
    • 226 Posts
    • 387 Thanks
    StaffieTerrier
    When my Dad died both the bank and BS said they would release money to the funeral directors to pay for the funeral. A copy of the death certificate and an invoice from the funeral directors should be enough for them to release funds to pay the £975.

    We had to pay part of the fee before the funeral. This covered the cost of the crematorium, florist, etc.
    • horseykitty
    • By horseykitty 17th Jul 12, 7:31 PM
    • 616 Posts
    • 443 Thanks
    horseykitty
    When my mum died last year the funeral director wanted £1000 up front, despite the fact that they'd buried my father a few years previously. I had to borrow the money off my in- laws. The final bill which was over £5000 was paid by Santander from her account upon receipt of her death certificate and the funeral directors bill.
    • redmalc
    • By redmalc 17th Jul 12, 8:26 PM
    • 1,148 Posts
    • 437 Thanks
    redmalc
    it is becoming the norm for them to ask for at least 1k upfront,i know someone who had to loan the money to pay the undertaker recently
    • themull1
    • By themull1 17th Jul 12, 8:30 PM
    • 4,195 Posts
    • 4,104 Thanks
    themull1
    What if no one pays the money upfront?
  • miss hh
    What if there is no money in the persons account? DOes the funeral director hold the body?
    • Mojisola
    • By Mojisola 17th Jul 12, 10:40 PM
    • 25,825 Posts
    • 66,312 Thanks
    Mojisola
    The local authority will arrange a basic funeral if no-one in the family has any money.
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