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Trying to find my mum's cash ISA

My mum sadly pass away last year, and I've closed five of her accounts, but after searching everywhere, I cannot find the details of her cash ISA. We spoke about it a couple of months before she passed, but as I was her carer, the whole thing was stressing me out so much I didn't remember any details. At the time, I was managing on two or three hours sleep a night looking after her and that went on for months. She often threw documents out and I think she may have done that here. I've looked at mylostaccount.com, but they seem to only look for dormant accounts. Is there any way of finding the ISA without phoning every single bank individually until I get the right one?
Thanks in advance for any help

Comments

  • Fly100
    Fly100 Posts: 81 Forumite
    Tenth Anniversary 10 Posts Name Dropper Combo Breaker
    edited 10 June 2020 at 1:35PM
    Sorry for your loss, I quickly Googled it and found this.

  • Brian2510
    Brian2510 Posts: 30 Forumite
    Third Anniversary 10 Posts
    Fly100 said:
    Sorry for your loss, I quickly Googled it and found this.

    Thanks for the reply, but I just get the link to 'my lost account' that I mentioned in my original post. I think it's for dormant or inactive accounts, but I might as well give it a shot. Thanks again.
  • Brian2510
    Brian2510 Posts: 30 Forumite
    Third Anniversary 10 Posts
    Bobziz said:
    does this help?


    Thanks, I'll have a look.
  • eskbanker
    eskbanker Posts: 35,257 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    All ISA subscriptions are reported by the institution concerned to HMRC, so they'll know - I'm not sure if they'll be obliged to disclose such data to executors but it may be worth asking them, either informally or via a subject access request.

    Are there any transactions from other accounts that may identify the institution(s) concerned?  Perhaps a longer shot but if she ran numerous accounts, was she applying online, with a trail of emails perhaps?  Have the banks you've dealt with so far confirmed that the ISA wasn't with any of them?
  • Old_Lifer
    Old_Lifer Posts: 780 Forumite
    500 Posts Second Anniversary
    Check the post   for an annual statement   or a notification of a change in interest rates
  • Old_Lifer
    Old_Lifer Posts: 780 Forumite
    500 Posts Second Anniversary
    If your mum was  internet-savvy  she could have opened an account anywhere    but  if she was not  internet-savvy she may well have  opened the  ISA with  a bank or building society on her local  high street .

    There should  be a paper trail,   unless she  was  making payments in cash   over the counter.
  • macman
    macman Posts: 53,128 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 10 June 2020 at 3:35PM
    Do you know that it wasn't dormant or inactive? If it was active, go through her bank statements, cheque stubs and other accounts to see if a payment has been made to something that might be an ISA, especially at dates around 6/4/XX. You'd know best if it was likely to be a cash, cheque or online transaction. Even the cash ones would have been receipted in branch.
    No free lunch, and no free laptop ;)
  • Sebo027
    Sebo027 Posts: 212 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    edited 10 June 2020 at 3:52PM
    Sorry for your loss.
    Paper statements for cash ISA may come through the post or if she had opted for "paperless" - as some organisations are now doing by default - the statements may be going to her email address. Do you have access to that?

    Or, as has been pointed out - HMRC should be able to act in response to a request from the executor of her will. 
  • LHW99
    LHW99 Posts: 4,938 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    macman said:
    Do you know that it wasn't dormant or inactive? If it was active, go through her bank statements, cheque stubs and other accounts to see if a payment has been made to something that might be an ISA, especially at dates around 6/4/XX. You'd know best if it was likely to be a cash, cheque or online transaction. Even the cash ones would have been receipted in branch.

    Or even (looking at the accounts) if there was an unidentified payment in that could have been a withdrawal from such an ISA.
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