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  • FIRST POST
    • annbarbs
    • By annbarbs 3rd Oct 16, 5:28 PM
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    annbarbs
    My Sisters Bank Won't Let her release My Inheritance To Me-Please Help.
    • #1
    • 3rd Oct 16, 5:28 PM
    My Sisters Bank Won't Let her release My Inheritance To Me-Please Help. 3rd Oct 16 at 5:28 PM
    The title says it all.
    I was meant to receive my money 2 weeks ago but now it has all gone horrible wrong and I have not got my money and now it seems there is no way I can get it.

    Not because my sisters does not want to send it to me but because my sisters bank refused to let her do the payment.

    Here is the story-


    Just to recap-
    As some of you may know from my last threads here-
    http://forums.moneysavingexpert.com/showthread.php?t=5495130

    My mother died last November 2015 and has left me and my 2 other sisters both her house and some money in her will.
    So my sisters and I each inheritance a third of the money from the house sale plus £25,00.

    My 2 sisters are both executors of my mothers will and both the money from the house sale and the rest of my mothers money she left us was paid into the executors account.
    Which is a joint account in both my sisters names.
    So from what I understand my sisters are the ones who pay me the money since they are both executors but I am not. I am only a beneficiary.

    So I do not have the right to sell the house or handle the distribution of funds, only my sister can do that.
    So my sisters are supposed to send my third share to me as is the terms of mum's will.


    Well 2 weeks ago one of my sisters I will call Sister A phoned me to tell me my mothers house has been sold and that the money was ready to be paid out to me along with the other money 25k which I also inherit.

    So I gave my sister my bank details so that she could pay the money direct into my bank account.
    Which I am happy to do because I would rather my inheritance was paid directly to me instead of my Solicitor, then when I get it I will pay my Solicitor.

    But now it has all gone wrong and I have not got my money.
    Because when my sister went to her bank the next morning(2 weeks ago) to try to send me the money by a CHAPS payment, her bank told her they will not let her do the payment unless my other sister can come with her to the bank in person.


    And the problem is that my other sister cannot go with my sister to the bank because she has had a mental breakdown and is being held in a psychiatric hospital under a Section of the mental Health Act and is too ill to do it.

    Sister A who is single and was living in the house is the one who is trying to pay me my money.

    My other Sister Sister B is the married sisters and is the one who is currently being held in a psychiatric hospital under Section.
    And I have had telephone conversations with Sister A and she says that the mental Health crisis team say that my other sister is in not fit sate to sign anything at the bank and lacks the mental compacity to do so.

    The money from my mother will and sale of the house is being held in the executors account and it seems my sister is wiling to pay me my full share of my inheritance.

    But her bank which is Barclays bank, won't let her do it without my other sister being with her in person at the bank because the executors account is a joint account in both my sisters names.

    And even though my sister told her bank the situation her bank won't budge.
    The bank won't let my sister send any money to me unless my other sister can also come to the bank in person to sign or do the translation.
    And Barclays bank refuse to relent on this.

    So now my situation is this, my inheritance is stuck in the executors account and there is NO WAY I can access it.

    Not because my sister won't pay me but because my sister bank won't let my sister release the money to me without my other sister being present with my sister at the bank in person.
    Because the executors account is a joint account in both my sisters names.


    My sister wants to pay me the money but my bank won't let her make the payment to me without the other sister being there with her at the bank.


    But because my other sister is in hospital and is not well enough to go to the bank with my other sister or sign for anything.
    It seems there is no way I can get my inheritance unless My sisters bank relents which they won't.

    And if my sister is in hospital for months and months which she could be.Or is so ill that she ever gets better,
    Then how the hell am I going to get my Inheritance?


    Since my sisters bank told my sister they won't let her make any payments to me unless my other sisters can also came to the bank to sign?

    But mum left me that money in her will and I have the will to prove it.
    So it's my money my sisters bank are holding that they won't release to me.
    Which is £118k, and the bank won't let my well sister send me the money because of some stupid RED Tape.

    So what the hell do I do now since my Solicitor has not said much about this?
    And if my other sister never gets better then how do I get my money??

    What legal action can I take to get my sisters bank to release my inheritance to me,since they won't even let my sister send the payment to me?
Page 6
    • mrmechanic
    • By mrmechanic 7th Oct 16, 9:04 PM
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    mrmechanic
    Ann, you are not doing yourself any favours here, you are stressing yourself out and still increasing your legal bill while ignoring all the very good advise being given.
    The "woman in the launderette" isn't going to be interested in this and will more than likely not be able to give you any more useful info than you have already received numerous times on here.
    You are still stressing yourself out with talk of fighting the banks and moving to another lawyer.You are not listening, the bank is doing nothing wrong and no lawyer is going to make the bank change its policy.The correct procedures need to be followed and this will take time to progress.You need to step back and let this take its course.
    I have been lucky where I have never had to deal with MH problems but it is clear that you are not in a good place with the stress of this.
    Your main goal at this moment should be to register with a gp to gain some support through this time you are obviously having difficulty with.
    You need to address this foremost before pursuing anything else to do with this inheritance.Sort out your health and the inheritance will sort itself out in time.
    If you keep going the way you are then your health is going to suffer while your legal bill increases unnecessarily , eating into the amount you will receive .
    I do hope you find some support through this through a health professional and listen to the very good advise given but the outcome is certainly in your hands.
    If it isn't broken, don't try to fix it.
    • elsien
    • By elsien 7th Oct 16, 9:22 PM
    • 13,656 Posts
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    elsien
    Your solicitor is correct.

    Despite what Barclays may have said, no-one can insist on being given a power of attorney.
    Power of attorney is something the person chooses who to give it to and in what circumstances, when they are well enough to understand the implications.
    If your sister is unwell and does not have capacity she cannot legally give anyone power of attorney. So someone would need to apply to the court of protection for a deputyship. Which as I said many pages ago has a cost, is not quick, and is certainly not going to happen when your sister has only just gone into hospital.
    You will get your money. In time. In the meantime, maybe see if you can get any support for your ruminating thoughts because they're not helping you at all.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • unforeseen
    • By unforeseen 7th Oct 16, 9:49 PM
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    unforeseen
    Apart from which I do not believe that POA or deputy ship covers acting as executor. This has come up before on these boards.

    Really the only option is for your sister to renounce her executorship in one of her stable periods if they occur or your other sister going through the process of having her removed as unfit to act.
    • melanzana
    • By melanzana 7th Oct 16, 10:03 PM
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    melanzana
    OP,

    All I can say is stand well back for ONE MONTH minimum.

    Keep in contact with well sister, and see how things are then.

    Be positive, it will all work out in the end.

    In the meantime, you have a home, benefits, and are not in poverty. I know you are unwell yourself, so look after your well being first and foremost. When you sit back for a month you might see things differently.

    I also do not know why you want to move to Liverpool. Is it possible for you to stay where you are and pay full rent? Moving is very stressful, and unless you have good supports and friends/family in Liverpool it sounds like you are only moving there because private rents are lower than in the area you are in. To me that is not a good reason and you may be very isolated.

    It is just so awful that you do not have any advocate on the ground with you at the moment to help you through this.

    But think it through. Why are you moving? Why not stay where you are?

    You will get your money. In the meantime you are doing OK and not in great need of the money right this minute.

    Wishing you all the best, and do take care of your mental health in the meantime please.
    • Yorkshireman99
    • By Yorkshireman99 8th Oct 16, 3:21 AM
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    Yorkshireman99
    Apart from which I do not believe that POA or deputy ship covers acting as executor. This has come up before on these boards.

    Really the only option is for your sister to renounce her executorship in one of her stable periods if they occur or your other sister going through the process of having her removed as unfit to act.
    Originally posted by unforeseen
    Exactly. If someone lacks capacity they cannot give a POA. In any case just because someone has been sectioned or is a voluntary patient under the Mental Health legislation does not mean they lack capacity. I am not sure the OP has accurately reported what she has been told by her solicitor or anyone else because of her lack of understanding of their advice and not by any deliberate attempt to mislead. It should also be remembered that there are other forms of POA than the LPOA. Depending on who the OP spoke to at the bank she could be confused because the member of staff may well not be fully aware of the law or the bank's own rules. If the sister has capacity all she needs to do is sign a cheque or bank mandate. Only if the executor cannot or will not act is court action appropriate.
    Last edited by Yorkshireman99; 08-10-2016 at 3:24 AM.
    • brewerdave
    • By brewerdave 8th Oct 16, 9:54 AM
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    brewerdave
    Depending on who the OP spoke to at the bank she could be confused because the member of staff may well not be fully aware of the law or the bank's own rules. If the sister has capacity all she needs to do is sign a cheque or bank mandate. Only if the executor cannot or will not act is court action appropriate.
    Originally posted by Yorkshireman99
    ...my own experience suggests that you would be VERY lucky to find anyone in a normal bank branch with the knowledge and expertise required to deal with this case.
    I had enough difficulties dealing with various banks' staff after my mother's death - that was a straightforward situation but they behaved as if they had never had to deal with a customer's death before !!
    • securityguy
    • By securityguy 8th Oct 16, 11:53 AM
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    securityguy
    In this particular case, is an executors' account which requires two signatures any different from another account that requires two signatures?

    If you have a bank account which requires two signatures, and one of the parties has lost capacity and is being acted for by an attorney, then the PoA is (obviously) sufficient.

    If you are wanting to sell a house, then a PoA is not enough: either the executor/s sign in person, or you need to get new executors.

    But if the proceeds from a sale are sat in a two signature executors' bank account, does releasing money from that count as a signature on a bank account (PoA OK) or the actions of an executor (PoA not OK)?

    And as a bonus question: if the proceeds are sat in an account which requires two signatures, and one of the executors is removed for other reasons and replaced while retaining capacity, does releasing the money from the account require the two signatures on the mandates, or the two signatures of the (new) executors?

    I presume this sort of stuff depends on the bank's policies, and whether they were on notice or not. After all, in the case of an executors' account, the bank can't be expected to verify that the people are still executors.

    I also can't help thinking that if the OP had just shut up and got her sister to sign a mandate, the bank would have had no reason to know she had potentially lost capacity, and after the money had been paid out no-one would have had any incentive to pursue the matter. This is the same as all those "if someone loses capacity joint accounts should be frozen": well yes, they should, but how would a bank know?

    And of course, in order for any comeback, it would require someone to bring an action, and if all the parties were happy, then de facto, even if not de jure, it would be "no harm, no foul" - the only people with a locus to bring any action would be the people who had received/paid out the money anyway.
    • Yorkshireman99
    • By Yorkshireman99 8th Oct 16, 11:57 AM
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    Yorkshireman99
    Absolutely. When I had to do it I wanted to strangle them. I find it extraordinary that staff in a customer facing role have so little basic humanity. It is a shame really because many large organisations have a department that deals with bereaved relatives.
    • getmore4less
    • By getmore4less 8th Oct 16, 1:12 PM
    • 26,243 Posts
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    getmore4less
    In this particular case, is an executors' account which requires two signatures any different from another account that requires two signatures?

    If you have a bank account which requires two signatures, and one of the parties has lost capacity and is being acted for by an attorney, then the PoA is (obviously) sufficient.

    If you are wanting to sell a house, then a PoA is not enough: either the executor/s sign in person, or you need to get new executors.

    But if the proceeds from a sale are sat in a two signature executors' bank account, does releasing money from that count as a signature on a bank account (PoA OK) or the actions of an executor (PoA not OK)?

    And as a bonus question: if the proceeds are sat in an account which requires two signatures, and one of the executors is removed for other reasons and replaced while retaining capacity, does releasing the money from the account require the two signatures on the mandates, or the two signatures of the (new) executors?

    I presume this sort of stuff depends on the bank's policies, and whether they were on notice or not. After all, in the case of an executors' account, the bank can't be expected to verify that the people are still executors.

    I also can't help thinking that if the OP had just shut up and got her sister to sign a mandate, the bank would have had no reason to know she had potentially lost capacity, and after the money had been paid out no-one would have had any incentive to pursue the matter. This is the same as all those "if someone loses capacity joint accounts should be frozen": well yes, they should, but how would a bank know?

    And of course, in order for any comeback, it would require someone to bring an action, and if all the parties were happy, then de facto, even if not de jure, it would be "no harm, no foul" - the only people with a locus to bring any action would be the people who had received/paid out the money anyway.
    Originally posted by securityguy
    Would have to check but I don't think an executor can give POA to another executor. You can't do it for a grant so probably applies generally. Might be and executor cannot POA at all except on the grant.
    The account will be held with sisters in their legal entity as executors.
    • unforeseen
    • By unforeseen 8th Oct 16, 3:20 PM
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    unforeseen
    POAs can only be used for the PERSONAL needs (financial, health or otherwise) of the donor.
    Acting as executor is none of these.

    The only exception is if there is only one executor and they are incapable of acting due to mental health problems. An enduring POA must be already in place and this will allow the attorney to act as executor. This assumes that the Court of Protection has not already appointed an executor
    • Yorkshireman99
    • By Yorkshireman99 8th Oct 16, 4:18 PM
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    Yorkshireman99
    POAs can only be used for the PERSONAL needs (financial, health or otherwise) of the donor.
    Acting as executor is none of these.

    The only exception is if there is only one executor and they are incapable of acting due to mental health problems. An enduring POA must be already in place and this will allow the attorney to act as executor. This assumes that the Court of Protection has not already appointed an executor
    Originally posted by unforeseen
    Sorry but you are wrong. A LPOA or EPOA only empowers the attorney to deal with the donor's personal finances and health questions. This does not include acting as an executor. It is perfectly possible for a donor with capacity to give a POA to do almost anything. They are often used where the donor is going to be unavailable for example someone selling a house might give one to allow contracts to be signed while they on a foreign trip. There seems to be no legal bar to prevent an executor giving a POA if need be. Having said that in this case there should be no need to do so as all that is required is a simple signature. The difficulty in the OP's case is to establish if the executor that is in hospital has capacity and is prepared to excercise it. If they are not then it seems the only course of action is to seek a court order to remove one, or both, executors and appoint replacement executors. Nevertheless less the OP's number one priority is to seek medical treatment.
    • TW1234
    • By TW1234 8th Oct 16, 4:43 PM
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    TW1234
    How will changing the executors give the new executors power to access the old executors' bank account, without even more action?
    • annbarbs
    • By annbarbs 8th Oct 16, 6:04 PM
    • 256 Posts
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    annbarbs
    What your solicitor has said is essentially the advice given here. You really should take it. The other crucial thing is to get some urgent medical help as has been already advised. Have you done so? The solution really is in your own hands but you have to help yourself. Go and see a GP as soon as possible.
    No I don't need medical help.
    But what I do need is emotional support like what I was getting with my CMHT Social worker before they discharged me.

    I was discharged from the CMHT 2 years ago because they said I am not ill enough to need their services.

    And now I have no keyworker or psychiatrist.
    And they won't give me one.
    So I have had to manage with only the GP for 2 years which was supportive, until that GP practice closed down in march this year.
    Now I face the prospect of having to get another GP which I am finding difficult and I am also worried that a new GP might not give me the support I need.
    Which is why I have delayed looking for a GP.

    And also because I have mum's will on my mind and I was counting on getting my inheritance this year.
    But it's all gone wrong.

    I did try to fight it by going to a Mental Health Solicitor who did try to get me back in the CMHT but the CMHT refused saying I do not meet the criteria for their services.
    But they did say that they would still help me with my benefits and give me supporting letters if I needed them.

    And so I did not take the matter to court as my Mental Health Solicitor wanted me to do.
    Because the Solicitor told me a judge cannot order the CMHT to give me support,

    A judge can only decide if the decision to discharge me was wrong or not. And if it was the judge can only tell the CMHT to go away and make another decision. He cannot order the CMHT to take me back or give me support if the CMHT don't want to.

    So I decided not to take the CMHT to court because my CMHT told me that they will help me with my benefits even though I am not with them anymore.
    And my EX-CMHT Social worker has done that_she helped me get my Fredom Pass renewed a few months ago.

    And I still have limited contact with my CMHT in that I can see the duty officer in a crisis.
    And contact my EX-CMHT Social worker in that event.
    But the CMHT have not given me a keyworker or regular support.
    I am going to try to see my Ex-CMHT Social worker if she will see me to tell her what has happen.

    That it's all gone wrong for me and I may now have to fight to get my inheritance. And God forbid, I might lose and not get my money at all.
    I don't know how I am going to deal with that if it happens.
    As I won't be able to have the life I want because I won't have my money.

    My Ex-Social worker cannot get me my money, only a Solicitor can help me with that.But she can give me emotional support to get though this.

    Like others I don't think it is best to involve solicitors normally due to the cost but if it puts your mind at ease maybe it is better for you to take this route - your heath has to come first however much it costs.
    Well now I don't have any choice.
    I am supposed to get my inheritance from my mothers will once the house was sold.

    But now it's all gone horrible wrong.
    And the only way I can sort this out or fight this if I have to take it to court is though a Solicitor.
    I cannot do it on my own.


    I am sure there are people out there who can explain this in much more detail but as I understand it - Barclays CANNOT release the money because the account requires the signature of both your sisters.

    Your unwell sister lacks mental capacity at the moment. Therefore, an application to the Court of Protection is necessary (https://www.leighday.co.uk/FAQs/The-Court-of-Protection-and-the-Office-of-the-Publ) This is to make sure that you and your sister are not taking advantage of the sister who is unwell. Sadly, there are people out there who take advantage of people who are mentally unwell and this process makes sure this doesn't happen.


    Yes I now know it is the Court Of Protection and NOT an ordinary Court as Barclays Bank had incorrectly told me

    My Solicitor also told me that if my ill sister does not recover or regain her compacity that my well sister must go to the Court Of Protection.

    Which my sister might not want to do.
    But my Solicitor said if my sister doesn't he will get a court order forcing my sister to do it.

    My Solicitor is also going to write to my sister to find out if my sisters have taken their third share of their inheritance out of the executors account or not.

    My Solicitor also warned me that there is a possibility that my sisters could be lying about my sisters illness to try to avoid giving me my money.

    If that is the case, that my sister, the executors are deliberately refusing to hand over my money, them my Solicitor said he can take them to court.
    Who can force the executors to release the money to me.

    So if it is found that my sisters are lying about all of this, they would be in a lot of trouble, because they would be taken to court.

    Now that this has gone wrong and I have not got my inheritance.
    I do need a Solicitor to sort this out.
    And if this Solicitor would not help me, then I would get another one.
    But at the moment it seems that he will so I will stick with him for now and see what happens.

    I also can't help thinking that if the OP had just shut up and got her sister to sign a mandate, the bank would have had no reason to know she had potentially lost capacity, and after the money had been paid out no-one would have had any incentive to pursue the matter.
    No because when my sister went down to the bank to try to make the payment to me.
    She was told by Barclays Bank that the other sister must be at the bank with her in person.
    That is both sisters have to be at the bank together both to sign and to show ID because it is such a lot of money.
    And because of the account they have which is a joint executors account.
    That's what Barclays Bank have told me and they won't let up on this. They won't release the money unless both sister are there together at the bank in person and sign.

    If my sisters gets well when she gets out of hospital.
    And is then able to go to the bank with my other sister and sign the account.
    Then I will get my money.


    But if not and my sisters does not recover or takes a long time to.
    Then my other sister must go to the Court Of Protection.

    But what worries me is that even if the court of protection grants my well sister Power Of Attorney. Which will then give her the right to manage the account herself.

    What is Barclays Bank still stick by their ridiculous policies and refuse to let my sister pay me the money,even after the Court Of protection has granted my sister the right to manage the account herself without the other sister?
    What action can I take then to get my money if that happens?
    Could someone please tell me?
    • Anthear
    • By Anthear 8th Oct 16, 7:16 PM
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    Anthear
    Ann Barbs - I understand what you say about the CMHT saying that you don't meet their criteria. HOWEVER - that was when they last assessed you. Things have changed since then and you have had a really stressful situation.

    I totally understand how frustrating this is for you. BUT:

    - Barclays CANNOT/WILL NOT change their policy. That is not going to change.

    THEREFORE, you just need to park this - ie put it to one side and concentrate on YOU. I would get in touch with your CMHT Social Worker and PLEASE get a GP. I accept what you say, but you are pre-judging a situation. You might find that he/she really wants to help you get better. You are right, they don't have a great deal of time but that's the system we have. Hopefully your ex-social worker can give you more time.

    Personally, I would stay in an area that I was familiar with and where I had people I could reach out to. I wouldn't move away to a different area where I didn't know anyone - you talk about moving to Liverpool on the basis that it is cheaper to rent there.

    There is a saying "better the devil you know" - Housing Associations are not perfect, but you could be moving from a moderately well run property to a private landlord who just cares about taking the money off you - you simply don't know. There are lots of 'ifs' at a time when your mental health is not good.

    Yes, it might cost you more, but you will have stability and familiarity, which you won't get if you move. There was no guarantee that you would get any money from your mother - ie she could have spent it all before she died, so you are no worse off at the moment and you are not under any pressure to move.

    My mother died just over two years ago and I STILL don't have all the money because the solicitors are slow and incompetent. Every situation is different.

    Please get yourself some help and support for your mental health.

    xx
    • Yorkshireman99
    • By Yorkshireman99 8th Oct 16, 7:27 PM
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    Yorkshireman99
    It is not, repeat NOT, Barclays Bank's fault in any way shape or form and they are simply abiding by the law. It is not a matter of their policy. Your concerns about Barclays not following the instructions of the Court are groundless. It is completely pointless endlessly speculating about all sorts of hypothetical possibilities. You have consulted a solicitor but keep asking others to explain what he has said. On the one hand you say you don't need medical help and then you contradict yourself. If you will not go to a GP as a starting point then you will never break out of the vicious circle. I am very sorry to say that the only person stopping you get help is yourself.
    • mrmechanic
    • By mrmechanic 8th Oct 16, 7:31 PM
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    mrmechanic

    What is Barclays Bank still stick by their ridiculous policies and refuse to let my sister pay me the money,even after the Court Of protection has granted my sister the right to manage the account herself without the other sister?
    What action can I take then to get my money if that happens?
    Could someone please tell me?
    Originally posted by annbarbs
    Ann, please read and read again the replies you have been given over the last few days,
    You are making this a lot more complicated that it actually is.
    If you are not willing to take a step back and allow the time that is needed to sort itself out, then nothing is going to improve and your health is going to be on a downward spiral.
    I really don't know how many times you are needing to be told this from just about everyone that has given you advise on this subject.It needs time to go through the motions, nothing other than time is going to rectify this.
    No amount of lawyer interference will make any difference, all that will happen is your pot of money will be going from your inheritance into your lawyers account.
    Only you have the power to change this and constant contact with your lawyer is only reducing the amount that you will receive.
    He will not be able to make any difference in the short term but will gladly take your money.
    This thread is getting close to " you can lead a horse to water but cannot force it to drink".
    Blunt I know but if you are going to completely ignore the very valuable advise given, then there is not anything else for anyone to suggest to you.
    If you continue to ignore the advise given then the next thread will be along the lines of " My lawyer just took *** 000 pounds from my inheritance without my permission, what can I do"

    Blunt i know but needs to be said.
    Please take a step back and let process take its course.
    If it isn't broken, don't try to fix it.
    • -taff
    • By -taff 8th Oct 16, 7:38 PM
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    -taff
    I am also worried that a new GP might not give me the support I need
    Originally posted by annbarbs

    You're not getting any support now though, so go and sign on with a GP.
    • Yorkshireman99
    • By Yorkshireman99 8th Oct 16, 7:41 PM
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    Yorkshireman99
    How will changing the executors give the new executors power to access the old executors' bank account, without even more action?
    Originally posted by TW1234
    An executor's bank account is controlled by the executors of the estate whoever they may be at any given time. The executors do no own the funds. If the court appoints new executors they automatically become entitled to operate the account. All the bank needs is official notice of the court order and they have to comply with it. Of course they will require proof of identity of the new executors and specimen signatures so the account can be operated.
    • marcelli
    • By marcelli 9th Oct 16, 10:54 AM
    • 19 Posts
    • 12 Thanks
    marcelli
    Thing is, when an Executors Account is opened to distribute the funds under a Will, then both signatures are required for money to be paid out. I am not sure of the procedure necessary to remove your sister as executor (the one who is unfortunately now ill), but imagine it will depend partly on how long she is deemed to be incapable of acting. Are there not solicitors acting alongside your sisters in the Estate? They may explain to you the procedures, but as you are not strictly speaking their client, don't be too put off if they won't. However, you can probably find a solicitor who will give you a fee short consultation on what is now likely to happen. Your other sister will, as remaining executor, have to make the decision but she can discuss with you what you prefer, and then will have to act on the legal advice given to her. There may be one or two options, eg either wait until the other sister is better, or have her removed now (though i think that will diminish the funds in the estate - sad but true) but whatever happens it might take a few months to sort out, and as indicated above, the bank will follow the letter of the law. Just don't panic too much, no-one can stop you getting your share eventually, i just hope it is not too long and painful a process for you. Was there no warning that your sister was unwell? I don't know what solicitors are or have been involved in this, but it is a shame they did not monitor the situation, but even so, if you were inclined to charge them with negligence, then it could get very nasty and stressful for you, and at the cost of maybe about £3,000 each (based on a third share of the cost it takes to remove an executor) it may not be worth the stress - believe me, it can be very debilitating for you to try to challenge such things. Just see what the solicitor has to say, and perhaps while you have to wait for the funds to be distributed you can look around and see what your options are for the future - the money will soon go if you are having to live on it instead of your benefits; this hiatus gives you time to see what might be best for your future. Wishing you peace and calm.
    • marcelli
    • By marcelli 9th Oct 16, 10:55 AM
    • 19 Posts
    • 12 Thanks
    marcelli
    .... meant to say "free short consultation" not "fee". sorry
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