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Dad Recently Passed Away with No Will

edited 3 June 2016 at 11:41PM in Deaths, Funerals & Probate
102 replies 17.8K views
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  • chrisb1357 wrote: »
    I have a question regarding utilities and British Gas.

    I managed to log into my dads Britith Gas account and its in debt by around £150 total for gas/elec. Does mum have to pay what's outstanding or can she start her new account if I contact them
    As general rule you are not allowed to log into a deceased person's online accounts as this is a breach of legislation on computer misuse. Get in touch with BG and other utility companies and discuss the situation.
  • mum2onemum2one Forumite
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    Re gas and elec ring them and explain its a death there then put you throu to the breavement team

    Before you ring them take a note of the meter readings

    What they will do is close the account with the new readings bills will be sent out it will need to be paid then there a new account in your mums name, if you want to change companies then this is the time to do it if your happy with the existing supplier then there set up a new account and as bill as you want / direct debit / monthly pay card / pay when bill comes xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • mum2onemum2one Forumite
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    The water rates.
    You need to notify them also ask if there is a low income scheme be based on your mums money,

    With us we pay in April and October, what was done with ours was the April payment was refunded and then new account in mums name , she didn't get the money back to pay out it was done as an internal transfer, we were told to apply for low income, the form is pretty standard to fill in income v expected expenses xx
    xx rip dad... we had our ups and downs but we’re always be family xx
  • edited 14 June 2016 at 2:07PM
    chrisb1357chrisb1357 Forumite
    834 posts
    I've been Money Tipped!
    edited 14 June 2016 at 2:07PM
    Hi all,

    Just some updates.

    Death In Service payment to my mum should be paid in the next few weeks so the housing and council tax benefit below will be informed once we have this. We did state on the forms to the council we are expecting this at somepoint. Also ESA will be informed.

    Housing Benefit & Council Tax Benefit form completed and ID ready to take with Mum on Wed. Landlord is going to bring a letter round to state how much my mum pays and that she is taking on the house. We have back dated to the day after my dad passed away.

    Rent is due in few weeks but until we get the above benefit and its back dated mum is unable to pay. Landlord is ok for us to miss this payment and to pay once we have the claim sorted above.

    Water company has also been informed and are sending a new bill out and have transfer the account into Mums names and payments and direct debit to stay as they are.

    Gas & Elec is with British Gas who I contacted there specialist team today. They said a bill in my dads name has just been sent out for the amount that is owed which is around £160 and to wait for this bill in the next few days and ring back.

    They said we need to decided if mum wants to take on the debt of £160 on my dads account or mum would like to start at £0 on her account and then the debt issued in a bill to my dads estate. To be honest I am not sure which option to take as at the minute mum does not have much funds.

    TV Lice have been informed and waiting a response

    Dads Mobile has been stopped and last payment refunded

    Health Cover found some paperwork in my dads folders regarding a health cover he had while working. I have informed them of the death and they said we are able to claim for the time he was in hospital upto a max of 20 days which is about the time he was in hospital for. I will complete the forms and this may get paid to dads estate not my mum

    ESA was contacted today as mum wanted to see if they needed to know about the death of my dad. They said as long as the DWP was contacted about the death then nothing else should be needed as ESA was just in my mums name. Do we need to contact the DWP or will the TellUsOnce service do this.
  • mum2onemum2one Forumite
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    chrisb1357 wrote: »
    Hi all,

    Just some updates.

    Death In Service payment to my mum should be paid in the next few weeks so the housing and council tax benefit below will be informed once we have this. We did state on the forms to the council we are expecting this at somepoint. Also ESA will be informed.

    thats good, take some pressure off.

    Housing Benefit & Council Tax Benefit form completed and ID ready to take with Mum on Wed. Landlord is going to bring a letter round to state how much my mum pays and that she is taking on the house. We have back dated to the day after my dad passed away.

    dont forget 2 months of bank statements as well.

    Rent is due in few weeks but until we get the above benefit and its back dated mum is unable to pay. Landlord is ok for us to miss this payment and to pay once we have the claim sorted above.
    bless his heart he seems one of the nice ones8

    Water company has also been informed and are sending a new bill out and have transfer the account into Mums names and payments and direct debit to stay as they are.

    dont forget to ask if mum is entitled to a discount off the bill,

    Gas & Elec is with British Gas who I contacted there specialist team today. They said a bill in my dads name has just been sent out for the amount that is owed which is around £160 and to wait for this bill in the next few days and ring back.

    They said we need to decided if mum wants to take on the debt of £160 on my dads account or mum would like to start at £0 on her account and then the debt issued in a bill to my dads estate. To be honest I am not sure which option to take as at the minute mum does not have much funds.

    Personally I would start at £0 and ask for the bill to come out of the estate,

    TV Lice have been informed and waiting a response
    There go one of 2 ways - refund the rest of the year and then you start a fresh or allow the bill to be carried on as normal.

    Dads Mobile has been stopped and last payment refunded
    Good

    Health Cover found some paperwork in my dads folders regarding a health cover he had while working. I have informed them of the death and they said we are able to claim for the time he was in hospital upto a max of 20 days which is about the time he was in hospital for. I will complete the forms and this may get paid to dads estate not my mum

    Thats good, check whether your mum was included on the policy, know with dads, mum and I were on the policy, so we had it transfered to the her name.

    ESA was contacted today as mum wanted to see if they needed to know about the death of my dad. They said as long as the DWP was contacted about the death then nothing else should be needed as ESA was just in my mums name. Do we need to contact the DWP or will the TellUsOnce service do this.

    The Tell us service will contact the DWP, on your behalf, with the ESA in mums name, there wont be any surprises down the line.

    It sounds like youve got everything organised well, I know this sounds daft, but check a couple of months bank statements just incase your dad had any standing orders / direct debits etc that you dodnt know about (online lottery, insurance etc).

    Take care x
    xx rip dad... we had our ups and downs but we’re always be family xx
  • FinstFinst Forumite
    146 posts
    Just on the refund of contributions for your dad's pension, check with the scheme whether it should go to the estate.

    Normally, a pension scheme death benefit can be paid to whichever beneficiary the trustees of the scheme choose to, instead of to the estate. If it would be better, you may be able to request the contributions be paid directly to your mum
  • chrisb1357chrisb1357 Forumite
    834 posts
    I've been Money Tipped!
    Evening All,


    Had a letter from HMRC today that is titled Estate of My Dads Name


    It says they need details of the person responsible for finalising my dads affairs and the person can be known as the executor, administrator or personal representative. Also they are suggesting we nominate a solicitor or legal company to deal with it.


    Not sure what to do with the form


    Also should we now be thinking about contacting a local solicitor to help with the affairs as someone as recommended one very local to us that helped her out in the same situation for a good price and will take a lot of the stress of my hands as I am working full time at the minute.


    Many Thanks
  • chrisb1357chrisb1357 Forumite
    834 posts
    I've been Money Tipped!
    Hi Finst,


    Are you taking about the refund of contributions from my dads private pensions he had. We are waiting to here back from them all still.


    One has responded and Yorkshireman said this about it "The spouses pension should be payable to your mum immediately. The refund of contributions will form part of the estate."


    Many Thanks









    Finst wrote: »
    Just on the refund of contributions for your dad's pension, check with the scheme whether it should go to the estate.

    Normally, a pension scheme death benefit can be paid to whichever beneficiary the trustees of the scheme choose to, instead of to the estate. If it would be better, you may be able to request the contributions be paid directly to your mum
  • getmore4lessgetmore4less Forumite
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    You will need to see what the pension companies say about everything they will pay out.


    HMRC.

    probably fairly standard letter as he was working there will need to be a income tax return, that will likely result in a tax rebate

    that will cover tax year up to DOD.

    there will them be estate accounts.

    These are manageable and do not need a solicitor

    NO need to rush this just yet add it to the list as something to look at over the next few weeks.

    Agree with M2O new account for the Gas/Elec and have the estate deal with the old bill.

    Do not be surprised if this gets passed to solicitor/debt collectors quite quickly if BG are sill using them to manage the collections.
  • mum2onemum2one Forumite
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    chrisb1357 wrote: »
    Evening All,


    Had a letter from HMRC today that is titled Estate of My Dads Name

    standard title, there not aware of who is handing the estate, so general title an be forwarded to the right person


    It says they need details of the person responsible for finalising my dads affairs and the person can be known as the executor, administrator or personal representative. Also they are suggesting we nominate a solicitor or legal company to deal with it.

    At the mo your the person dealing with the estate, so I would just explain tht you are joe bloggs - son of Mr Bloggs.

    As for solicitor its generally a one letter for all, whether its a small estate like your dads or a million pound mansion



    Not sure what to do with the form

    Take 5 mons for yourself, a deep breATH and attack the form... its a general one for all form


    Also should we now be thinking about contacting a local solicitor to help with the affairs as someone as recommended one very local to us that helped her out in the same situation for a good price and will take a lot of the stress of my hands as I am working full time at the minute.


    Many Thanks

    Personally I wouldn't get a solicitor involved, its not a big estate, theres no house involved, theres no arguing children. General you and mum.

    In terms of where you are in dealing with things you have literally done 95% of the hard work, I know your working full time, and yes it would be great if someone could take it over, but your looking at £80+ an hr for a solicitor, unrelated to wills, but an example related to solicitors costs...

    My solicitor had dealt with family matters for me over 2 yr period (that was legal aid as I was entitled to it theN, case closed thank you), 2 yrs ago I was taking my daughter to India on holiday - had to fill in Visa, - needed proof that no-one else had parental responsibility for her... A 2 line letter saying

    To whom it may concern

    Mum2one is the only person with parental responsibility for junior

    Thanking you


    £60....

    It would have been a lot more if i had a consultation with the solicitor, I was lucky as a phone conversation was sufficient.

    ...........
    Going by what I have had to do re dad, I know the hard slog is over, just waiting for people to get back to me. It will literally be cross the t's dot the i's there be 5 min jobs. x
    xx rip dad... we had our ups and downs but we’re always be family xx
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