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  • FIRST POST
    • Kev2132
    • By Kev2132 13th Mar 18, 12:17 PM
    • 2Posts
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    Kev2132
    Father in law died
    • #1
    • 13th Mar 18, 12:17 PM
    Father in law died 13th Mar 18 at 12:17 PM
    Hi my father in law passed away last week, we went to the credit union to get his 5000 savings to pay for his funeral. But they said the money would be used to pay for his ccj. Is this correct
Page 1
    • Yorkshireman99
    • By Yorkshireman99 13th Mar 18, 12:24 PM
    • 4,150 Posts
    • 3,394 Thanks
    Yorkshireman99
    • #2
    • 13th Mar 18, 12:24 PM
    • #2
    • 13th Mar 18, 12:24 PM
    Hi my father in law passed away last week, we went to the credit union to get his 5000 savings to pay for his funeral. But they said the money would be used to pay for his ccj. Is this correct
    Originally posted by Kev2132
    Funeral costs normally take priority over other debts. Not sure about CCJ though. If there is not enough money the local health authority have to pay. They cannot force you to contribute or pay in any way. How much is the CCJ?
    • Kev2132
    • By Kev2132 13th Mar 18, 12:57 PM
    • 2 Posts
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    Kev2132
    • #3
    • 13th Mar 18, 12:57 PM
    • #3
    • 13th Mar 18, 12:57 PM
    Hi m8 he had 4000 in the bank to cover funeral the funeral but the funeral is 6000 his ccj is 12000
    • Robin9
    • By Robin9 13th Mar 18, 1:04 PM
    • 2,549 Posts
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    Robin9
    • #4
    • 13th Mar 18, 1:04 PM
    • #4
    • 13th Mar 18, 1:04 PM
    Very sorry to hear about FIL but what funeral costs 6000 ? The Funeral Directors fees can be paid via the bank direct when you have their invoice; the funeral wake costs do not count.
    Never pay on an estimated bill
    • lisyloo
    • By lisyloo 13th Mar 18, 1:18 PM
    • 21,836 Posts
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    lisyloo
    • #5
    • 13th Mar 18, 1:18 PM
    • #5
    • 13th Mar 18, 1:18 PM
    but the funeral is 6000
    That's a lot.
    Local authorities will pay for a "paupers" funeral and will not pay for fancy car and tea and sandwiches.
    • Yorkshireman99
    • By Yorkshireman99 13th Mar 18, 1:33 PM
    • 4,150 Posts
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    Yorkshireman99
    • #6
    • 13th Mar 18, 1:33 PM
    • #6
    • 13th Mar 18, 1:33 PM
    Hi m8 he had 4000 in the bank to cover funeral the funeral but the funeral is 6000 his ccj is 12000
    Originally posted by Kev2132
    6,000 is a lot for a funeral. A very basic cremation can be done for under 2,000.
    • Keep pedalling
    • By Keep pedalling 13th Mar 18, 2:04 PM
    • 4,997 Posts
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    Keep pedalling
    • #7
    • 13th Mar 18, 2:04 PM
    • #7
    • 13th Mar 18, 2:04 PM
    You need to be very careful here, administering an insolvent estate can land land you in trouble and unless it is done by the book the administrator can end up being made liable for the estates debt,

    Whoever arranged the funeral with the FD is responasible for paying it. They may be able to get some of it back from the estate eventually, but the creditors can justifiably argue that it is unreasonable to for an insolvent estate to have such an expensive funeral.
    • lisyloo
    • By lisyloo 13th Mar 18, 2:38 PM
    • 21,836 Posts
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    lisyloo
    • #8
    • 13th Mar 18, 2:38 PM
    • #8
    • 13th Mar 18, 2:38 PM
    but the funeral is 6000
    Has the funeral happened?
    Who authorised the arrangements?
    I am worried that the person that authorised this will end up paying.
    • Yorkshireman99
    • By Yorkshireman99 13th Mar 18, 3:40 PM
    • 4,150 Posts
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    Yorkshireman99
    • #9
    • 13th Mar 18, 3:40 PM
    • #9
    • 13th Mar 18, 3:40 PM
    That's a lot.
    Local authorities will pay for a "paupers" funeral and will not pay for fancy car and tea and sandwiches.
    Originally posted by lisyloo
    The term Public health funeral; is the current term and does not carry the stigma of a paupers funeral. It will be quite basic and usually cremation but perfectly respectful. Don.t expect many flowers or cars for mourners.
    Last edited by Yorkshireman99; 13-03-2018 at 5:55 PM.
    • Yorkshireman99
    • By Yorkshireman99 13th Mar 18, 3:49 PM
    • 4,150 Posts
    • 3,394 Thanks
    Yorkshireman99
    Hi m8 he had 4000 in the bank to cover funeral the funeral but the funeral is 6000 his ccj is 12000
    Originally posted by Kev2132
    Is the CCJ secured against the bank account? If not then AFAIK reasonable funeral cost take priority. It will be hard to justify more than 2,500 at the most. You need to check with the credit union and perhaps get urgent advice from the CAB
    • lisyloo
    • By lisyloo 13th Mar 18, 4:41 PM
    • 21,836 Posts
    • 10,554 Thanks
    lisyloo
    The term !!!8220;Public health funeral!!!8221; is the current term and does not carry the stigma of !!!8220;puapers funeral!!!8221; it will be quite basic and usually cremation but perfectly respectful. Don.t expect many flowers or cars for mourners.
    Originally posted by Yorkshireman99
    Thanks for the info.
    Personally I think it's an awful description.
    • Yorkshireman99
    • By Yorkshireman99 13th Mar 18, 5:07 PM
    • 4,150 Posts
    • 3,394 Thanks
    Yorkshireman99
    Thanks for the info.
    Personally I think it's an awful description.
    Originally posted by lisyloo
    I take your point but pauper such a pejorative term even today long after the spectre of the workhouse ceased to exist.
    Last edited by Yorkshireman99; 13-03-2018 at 5:55 PM.
    • Keep pedalling
    • By Keep pedalling 13th Mar 18, 6:36 PM
    • 4,997 Posts
    • 5,563 Thanks
    Keep pedalling
    Is the CCJ secured against the bank account? If not then AFAIK reasonable funeral cost take priority. It will be hard to justify more than 2,500 at the most. You need to check with the credit union and perhaps get urgent advice from the CAB
    Originally posted by Yorkshireman99
    It is possible that the creditor has obtained a 3rd party dept order that means the account was frozen before he died. Not sure what the status of that order is if the debtor dies though.
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