Can this be done?

Spendless

The full amount def goes to deceased due to the estate being small (only the house in question). The full value of the house was not borrowed, that much is known. Also known is how much the house was originally bought for several decades ago. What isn't known is how much the IO loan was taken out on it, and how long left it has to run.
I'd not even thought of  the LPA coming in when someone isn't of sound mind, which is pretty stupid of me, snce my own parents have already set me up with this in place for them. 

I can only guess at why my relative isn't dealing with it themselves I would not say relative lacks capacity. . Relative's  disabilities make them housebound, so getting to a branch under their own steam wouldn't be posssible. They are also hard of hearing, which would make them reluctant for a telephone enquiry. I *suspect* the adult children didn't think they'd be able to accompany their parent into any such enquiry and be able to listen and grasp what was being told. I doubt they realised that they could get written permission to find this information out.  They applied during their other parent's terminal illness so possibly weren't thinking clearly either. 

I'm going to have a read of the links provided, thanks

getmore4less

Relative can phone up and ask for a statement to be posted.
 

Spendless

getmore4less said:

Relative can phone up and ask for a statement to be posted.
 

Would that give the end date as well as the amount owing? 

elsien

Or if there is someone with her, they can phone and she can give verbal consent on the phone for them to talk to her. 

xylophone

Surely the mortgagee provides an annual statement?
Is there no sign of this among the deceased's papers?
Is the widow acting as administrator of the deceased's estate?

Spendless

xylophone said:

Surely the mortgagee provides an annual statement?
Is there no sign of this among the deceased's papers?
Is the widow acting as administrator of the deceased's estate?

It's been asked time and time again to the surviving relative, how much is the IO mortgage for and when is it up. Always get the reply 'they can't remember' So unless the adult kids did a hunt or were there when any statment turned up, it remains unknown.
 
The deceased relative didn't leave anything, no cash or assets etc. They I believe were on the joint mortgage on a property that is well under the amount linked to earlier 

xylophone

 I've just realised that I have assumed that the deceased was male and the surviving spouse female - as the OP refers to a "widower" in his first post  (although has not corrected references to mother/mum) it is  the adult children's father who has survived? This is just for accuracy as if both were parties to the interest only mortgage, the situation remains the same.

xylophone

Is the property registered? Would a search at the Land Registry be useful?

There is no mention of a private pension for the deceased - does the loss of  spouse's  state pension leave the widower in a situation where he is eligible for pension credit?

Has he claimed the single person's discount on CT?

elsien

Spendless said:

xylophone said:

Surely the mortgagee provides an annual statement?
Is there no sign of this among the deceased's papers?
Is the widow acting as administrator of the deceased's estate?

It's been asked time and time again to the surviving relative, how much is the IO mortgage for and when is it up. Always get the reply 'they can't remember' So unless the adult kids did a hunt or were there when any statment turned up, it remains unknown.
 
The deceased relative didn't leave anything, no cash or assets etc. They I believe were on the joint mortgage on a property that is well under the amount linked to earlier 

That sounds like it could potentially be an "I really don't want to think about it", unless the person has never had any involvement in finances. If the adult children suggest they phone with the person's consent, it would be interesting to see whether they agree or not. 

Spendless

xylophone said:

Is the property registered? Would a search at the Land Registry be useful?

There is no mention of a private pension for the deceased - does the loss of  spouse's  state pension leave the widower in a situation where he is eligible for pension credit?

Has he claimed the single person's discount on CT?

No private pension of the deceased.  I'm not sure but a benefits check is a good idea thank you. I *think* claiming the 25% single person's discount for CT has been mentioned, but I can double check.