Mother died with debt and no estate. Help needed

NAR

Is the balance a lot? Could you negotiate with the Funeral Director to spend more on the funeral to use up the difference?

heatherw_01

NAR wrote: »

Is the balance a lot? Could you negotiate with the Funeral Director to spend more on the funeral to use up the difference?

It would be a lot. Probably about £1k - £1.5k
Funeral is arranged for Friday

getmore4less

what are the various amounts and the funeral cost
(itemise each there might be something that can be done).

heatherw_01

I will be getting the full breakdown in writing shortly. Went through it at the funeral home but haven't got my copy yet

Think it might be too late to add much at this stage?

£1.5k extra would be hard to get up to though

getmore4less

I was thinking the bank account insurance and the funeral totals.

heatherw_01

getmore4less wrote: »

I was thinking the bank account insurance and the funeral totals.

oh sorry I thought you meant the funeral bill

Think I quoted the insurance totals earlier

AXA - £1920
Phoenix - £2464
Funeral - Around £3200 which leaves insurance money left over

Funeral bill would be paid directly, but the rest that is left over could not be paid to her bank as it is frozen and they won't write a cheque.

She has about £396 in the bank but I would be paying for the funeral directly from the insurers

sleepless_saver

heatherw_01 wrote: »

Funeral bill would be paid directly, but the rest that is left over could not be paid to her bank as it is frozen and they won't write a cheque.

Did they actually say it couldn't be paid into her bank account? I'm sure last time I had to do this it was possible to get payments made into the frozen account but not out again. Check with the bank.

heatherw_01

sleepless_saver wrote: »

Did they actually say it couldn't be paid into her bank account? I'm sure last time I had to do this it was possible to get payments made into the frozen account but not out again. Check with the bank.

bank said 100% bank transfers cannot happen

Mojisola

heatherw_01 wrote: »

I am filling the in claim form.
Filled in the Funeral directors details, but then you have to complete the section for where to send the rest of the money according to the lady on the phone. Apparently all the money has to be claimed at the same time

So £xx to the funeral director and the remaining £xx to a bank or cheque (but not my mums bank or a cheque saying "the late")

Have you asked to speak to anyone higher than the person who answers the phone in the first instance? They are putting you in a ridiculous situation!

Ask to speak to a someone senior and tell them the surplus money has to go into your mother's account - they either send a cheque made out to "the late" or arrange a direct transfer.

If need be start to sound hysterical and try a few tears!

zzzLazyDaisy

Sorry if this has already been suggested.

Is it possible for the full amount to be paid to the FD and for him to send a cheque for the balance to the bank in the name of 'the late'....