Mother died with debt and no estate. Help needed

heatherw_01

The form is paper so I guess whoever processes the form will still deny it if I write "the late" 2 more people both said they can't pay it to that name.

One checked with someone else to make sure and said no, unless it is stated it needs to be done in the will.

The both seemed pretty sure.

I'll try again and ask but as the form is paper, I don't know if it matters if I got to someone on the phone that said it is fine.

heatherw_01

zzzLazyDaisy wrote: »

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'....

One of the insurers needs to see an invoice, the other one might be all over the phone so possibly with them

Not sure how I would go about asking the FD for that though without it sounding dodgy?

zzzLazyDaisy

I wouldn't ask the FD.

I would simply give instructions to all the insurers to make the payment to the fd.

After all your only concern is that the funeral should be paid for. It seems that this is the only way to achieve this.

If the fd gets too much money, they will either send some of it back, after taking enough to cover their fees, or (more likely) they will ask you what they should do with it. You just tell them to send it to the bank marked for 'the late name'.

heatherw_01

zzzLazyDaisy wrote: »

I wouldn't ask the FD.

I would simply give instructions to all the insurers to make the payment to the fd.

After all your only concern is that the funeral should be paid for. It seems that this is the only way to achieve this.

If the fd gets too much money, they will either send some of it back, after taking enough to cover their fees, or (more likely) they will ask you what they should do with it. You just tell them to send it to the bank marked for 'the late name'.

What if I send him it all and don't get the rest back? It wouldn't matter personally as it is part of the estate, but if the creditors want to know what happened to it all, I won't be able to show an invoice for the correct amount?

Mojisola

I would be writing to the Chairman of the company. Other companies can write a cheque which can be paid into a frozen account. It's quite ridiculous that their inhouse rules are causing you (and how many other people?) such difficulties following a death in the family.

getmore4less

heatherw_01 wrote: »

One of the insurers needs to see an invoice, the other one might be all over the phone so possibly with them

Not sure how I would go about asking the FD for that though without it sounding dodgy?

Show the same invoice to both insurers that gets the money to the FD.

woops I was not thinking straight.

ask him to refund to mums account.

Remember in the unlikely event the FD keeps the money it's not your problem it is upto whoever takes on the administration to trace the money.

Creditors might ask you for details, remember you are telling them you are not dealing with the estate and don't know who is.

heatherw_01

getmore4less wrote: »

Show the same invoice to both insurers that gets the money to the FD.

woops I was not thinking straight.

ask him to refund to mums account.

Remember in the unlikely event the FD keeps the money it's not your problem it is upto whoever takes on the administration to trace the money.

Creditors might ask you for details, remember you are telling them you are not dealing with the estate and don't know who is.

yeah if I did that and he refunded, would have to be a cheque "to the late" etc
could try that and see what happens

heatherw_01

If you remember I told you I phoned the companies to tell them she died before I posted on here, and I gave one the CC companies she owed money to my address, well they wrote to me today saying the balance and it would be due from the estate.
They also want a copy of the death certificate.

I am not replying yet as I haven't paid for the funeral yet, but when I reply, what should I say?

Should I tell them there won't be enough money to pay off the debt and ask them if they would write it off?

Mojisola

heatherw_01 wrote: »

If you remember I told you I phoned the companies to tell them she died before I posted on here, and I gave one the CC companies she owed money to my address, well they wrote to me today saying the balance and it would be due from the estate.
They also want a copy of the death certificate.

I am not replying yet as I haven't paid for the funeral yet, but when I reply, what should I say?

Should I tell them there won't be enough money to pay off the debt and ask them if they would write it off?

Just tell them that you are not administering the estate and not to contact you again.

heatherw_01

Can anyone give me a link to something on the web that also states I don't have to sort out the estate?
I know everyone on here said I don't have to do it which sounds right. I just wondered if there was anything on the net saying the same? I could only find info saying you don't have to do it if you are appointed

The last "debt helpline" I called said that as there is no one else to do it, I would be expected to do it or appoint someone else. Also because I will be using her insurance money to pay for the funeral, this could be classed as administering the estate.

The bank wrote my details down as next of kin when I went to tell them she died and said I would be able to pay for the funeral if I need to using her account. I hope that they haven't listed me as an executor or anything? If they have, can I still just say I am not doing it?