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    • malc_b
    • By malc_b 4th Mar 15, 11:10 AM
    • 943 Posts
    • 360 Thanks
    malc_b
    Santander have a ceiling of 25k where if below no probate. If above yes, want a probate.

    Nationwide seems to want a probate whatever the amount (£400 in my case).
    Originally posted by PennyForThem
    My experience of Santander is that they SAY they don't want probate below 25k however if you are applying for probate anyway (e.g. you need for another bank or for a house) then Santander will then require probate even under 25k.

    My tip would be to check out your local funeral services and then buy a pre-paid plan. The reason behind this is that we don't all die to schedule. My mother recently passed away and as we had some notice we had time to sort a funeral director we liked. That way we knew who to call. If someone dies suddenly who are you going to call out to take the deceased away? Just pick someone out of yellow pages with a pin? It makes sense to try to make some arrangement before hand. BTW the funeral cost would have been cheaper if we could have bought a plan now, so even without any prediction of future costs a plan saves money.
    • valydiarosada
    • By valydiarosada 10th Jan 16, 11:48 PM
    • 2 Posts
    • 0 Thanks
    valydiarosada
    Number of Death Certificates Needed
    I have read through the excellent factsheet and also the posts on this forum, and I note that the factsheet suggests that one should obtain 5 copies of the death certificate, when registering a death, and posts to the forum have suggested 6 copies. The last time I acted as executor I found that 6 certificates was more than enough. However, that was 20 years ago and the posts on this forum that also advised obtaining 6 copies, were made in 2012. I was wondering therefore, whether anyone has had any more recent experience suggesting one should obtain a larger number. If so, how many death certificates should we get? My sister has an appointment tomorrow with the registrar to register the death, and her husband is firmly of the opinion that 6 is not enough. (He won't say how many, though.)

    Thank you for your help.
    • Savvy_Sue
    • By Savvy_Sue 11th Jan 16, 2:41 AM
    • 36,817 Posts
    • 33,041 Thanks
    Savvy_Sue
    It depends. How many bank accounts / share holdings / other financial institutions are there? And how will they be notified of the death? Are the executors dealing with the estate remotely, or are they on the spot?

    I found with both Mum and Dad that I could generally take a death certificate in to any branch of any of their banks, get them to copy and certify it, and walk away with the original in my hand. Only had to post one off in a couple of cases, and they came back promptly.

    We had ten, between two executors dealing with different 'bits', and I'm sure my co-executor used more than I did, but then he was dealing with the share certificates and I was dealing with the banks! I definitely didn't need as many as five.
    I'm a Board Guide on the Cutting Tax; Charities; Small Biz & Charity Organisers; and Silver Savers boards, which means I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. However, do remember, Board Guides don't read every post. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com. It is not part of my role to deal with reportable posts.

    Any views are mine and are not the official line of moneysavingexpert.com
    Still knitting! Current projects: 2 shawls, 2 pairs baby bootees,
    1 Wise Man Knitivity figure ...
    • valydiarosada
    • By valydiarosada 11th Jan 16, 9:15 AM
    • 2 Posts
    • 0 Thanks
    valydiarosada
    Thank you. A quick supplementary, if anyone can help. Where the shares are in companies that use the same registrars, e.g. Equiniti, could I get away with sending one letter and one certificate covering all the shareholdings? Or are the registrars likely to demand an original certificate for each company's records?

    Thank you for your help.
    • Yorkshireman99
    • By Yorkshireman99 11th Jan 16, 9:33 AM
    • 1,629 Posts
    • 1,378 Thanks
    Yorkshireman99
    Thank you. A quick supplementary, if anyone can help. Where the shares are in companies that use the same registrars, e.g. Equiniti, could I get away with sending one letter and one certificate covering all the shareholdings? Or are the registrars likely to demand an original certificate for each company's records?

    Thank you for your help.
    Originally posted by valydiarosada
    Phone them and ask is the quickest way to find out.
    • jolizzie
    • By jolizzie 13th Oct 16, 5:56 PM
    • 22 Posts
    • 1 Thanks
    jolizzie
    House in children's names
    Any help advice in putting my impeding house purchase in the names of my 2 children?
    I totally trust them and don't want to see my money going to pay for any care I may need.
    Is there any tax extras for them
    Do I need to live for 7 years
    Help......
    • Yorkshireman99
    • By Yorkshireman99 13th Oct 16, 6:59 PM
    • 1,629 Posts
    • 1,378 Thanks
    Yorkshireman99
    Any help advice in putting my impeding house purchase in the names of my 2 children?
    I totally trust them and don't want to see my money going to pay for any care I may need.
    Is there any tax extras for them
    Do I need to live for 7 years
    Help......
    Originally posted by jolizzie
    Doing that may not avoid the house being sold to pay for care. What you are proposing may be regarded as being deprivation of assets. The other thing is since you would remain in occupation it would not reduce the value of your estate since it would be a "gift with reservation". The children would be subject to capital gains tax when they eventually sel the property.
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