House Clearance Help & Advice: Documents and information needed
when someone dies
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If a loved one dies and has left a will then the named executor will
deal with the estate of the deceased, if there is no will then the administrator
will be left to deal with the financial aspects of the deceased. The administrator
will normally be the persons closest relative such as husband, wife, daughter
or son and it will be their responsibility to make sure that financial
matters are taken care of along with funeral expenses.
If you have been left to deal with theses matters then it can be helpful
to know if your loved one had a solicitor or accountant. If so then either
would possibly be able to help you organise your loved ones estate. Usually
in order for you to deal with the affairs of your loved one you will have
to apply for a grant of probate or letter of administration from the probate
registry. Probate is simply a term used when someone is going to be dealing
with the estate of a loved one.
Under law you will have one year from the date that the person dies in
which to deal with the financial matters of the estate before it is distributed.
If you havent dealt with things accordingly before this time, then
you could be liable to pay interest on any assets which havent been
One thing to remember is that any bills such as outstanding mortgage balance,
rent, credit cards, tax and insurance need to be paid before the estate
can be divided.
Essential documents that you will need
In order to deal with your loved ones estate and finances there will be
several important documents and information which you will need to be
able to complete the task, these are outlined below.
The tax and national insurance documents
Any bank, building society savings accounts or ISA certificates
Any shares, stock or bond information
Any private or state pension policies
Information on any state benefits the deceased was claiming
Any insurance policies such as life, car and home
Any utility or other unpaid bills
Any deeds to property which the deceased owned
Documents belonging to any mortgage that was being paid
Any credit card, store or catalogue repayments that were being made
Any loan repayments or similar formal debts that are outstanding
If your loved one was self-employed or had a partnership in a business
then you will need to get in touch with the necessary people and also
gather together any necessary documentation.
Under normal circumstances only the executor or the administrator of the
deceased will be able to get access to money left by the deceased, in
order for you to do this you will have to provide the necessary documentation.
As executor or administrator of the deceased it will be your job to make
sure that all the payments are made that are outstanding, these will be
such as mortgage repayments, funeral costs, any other outstanding bills
that the deceased owes.
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