Misrepresentation to access funds

Alderbank

You said the insurance policy is for a substantial sum of at least £6k. Who is the policy payable to, the estate of the deceased or specific named benefactors? 

You said you intend to distribute the estate according to your mother's wishes and that has angered your siblings. Where there is no will you must distribute the estate strictly according to the laws of intestacy. In Scots law (and English law as well I think) your mother's estate must be shared equally between all her children. How many siblings (including any with different fathers) do you have and are they all still alive?

Apologies if these have been answered already. This thread is difficult to follow.

buddy9

Alderbank said:

You said the insurance policy is for a substantial sum of at least £6k. Who is the policy payable to, the estate of the deceased or specific named benefactors? 

You said you intend to distribute the estate according to your mother's wishes and that has angered your siblings. Where there is no will you must distribute the estate strictly according to the laws of intestacy. In Scots law (and English law as well I think) your mother's estate must be shared equally between all her children. How many siblings (including any with different fathers) do you have and are they all still alive?

Apologies if these have been answered already. This thread is difficult to follow.

Th OP has a separate thread on the insurance policies.

https://forums.moneysavingexpert.com/discussion/6452853/sun-life-insurance-refusing-claim#latest

concerned43

Alderbank said:

You said the insurance policy is for a substantial sum of at least £6k. Who is the policy payable to, the estate of the deceased or specific named benefactors? 

You said you intend to distribute the estate according to your mother's wishes and that has angered your siblings. Where there is no will you must distribute the estate strictly according to the laws of intestacy. In Scots law (and English law as well I think) your mother's estate must be shared equally between all her children. How many siblings (including any with different fathers) do you have and are they all still alive?

Apologies if these have been answered already. This thread is difficult to follow.

Their is no beneficiary named on the insurance policy so therefore has to be paid to the estate. I told my siblings that  I would be the one dealing with the estate as that's what my mother wanted plus siblings estranged from mother. I have 3  siblings. One full blood, the others half (different father). I know the intestate law and this would be followed if there's any funds left. 
The issue here is that there is no money in the estate as house has been raided by siblings and all goods that could have been sold are gone. Bank account has been closed and sibling has the funds. Another smaller insurance policy was also claimed by same sibling. 
So I don't really have an estate in which to administer just now and desperately trying to get the financial organisations to recall the money they gave out to an unauthorised person so that I have an estate that can be administered according to the law. 

JGB1955

Looks like your sibling is administering the estate .... so you need to wait for them to do that.  Why do you think your sibling has less authority than you?

elsien

JGB1955 said:

Looks like your sibling is administering the estate .... so you need to wait for them to do that.  Why do you think your sibling has less authority than you?

Because the OP has the letters of administration and the sibling doesn’t? 

JGB1955

elsien said:

JGB1955 said:

Looks like your sibling is administering the estate .... so you need to wait for them to do that.  Why do you think your sibling has less authority than you?

Because the OP has the letters of administration and the sibling doesn’t? 

Yes.... only just spotted that.  Thanks!

buddy9

elsien said:

Because the OP has the letters of administration and the sibling doesn’t? 

Sorry but the OP does not have 'letters of administration' because she is in Scotland. And on the basis of her other posts she does not have the Scottish equivalent.

elsien

So the post saying they applied to court and was granted powers doesn’t count? 

RAS

It "counts" but is not sufficient to meet the insurance provider's requirements.

buddy9

elsien said:

So the post saying they applied to court and was granted powers doesn’t count? 

The information on one of the OP's other threads might help to explain.

https://forums.moneysavingexpert.com/discussion/6452853/sun-life-insurance-refusing-claim#latest