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Trying to find my mum's cash ISA

Brian2510
Posts: 30 Forumite

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
Thanks in advance for any help
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Comments
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Sorry for your loss, I quickly Googled it and found this.
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Fly100 said:Sorry for your loss, I quickly Googled it and found this.0
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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?0 -
Check the post for an annual statement or a notification of a change in interest rates
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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.0
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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 laptop0
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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.0 -
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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