Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #21
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    Default Re: Probate Legal Issue

    Ask the Bank to print out a list of direct debiticon authorities and standing orders that have been registered on the account within say the last 5 years. From the list, you might gain Insurance company names, reference numbers etc. Helpful if you are trying to track down any policies he might have been paying.

    Remember to take with you any identity papers e.g passport, your original birth certificate, marriageicon cert showing any change of name. This is so the Bank can see who they are dealing with.


  2. #22
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    Default Re: Probate Legal Issue

    Quote Originally Posted by rippedoff15 View Post
    The Step daughter who registered the death has listed her name and confirm as daughter it only a small point but she was not the daughter..
    That's not necessarily evidence of any wrongdoing, I wouldn't make too much of it. A step daughter can reasonably call herself a daughter if she was treated as a 'child of the family' under family law, and to legally be a relative who can register a death. The rules on who can report a death don't distinguish between blood relatives and non-blood relatives. Any 'relative' may qualify to report a death (if thev meet the other requirements).


  3. #23
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    Default Re: Probate Legal Issue

    Quote Originally Posted by rippedoff15 View Post
    The delay was due to not having the death certificate the bank will not accept our details without the correct paperwork, we have already got an appointment Monday morning with the bank and straight afterwards if the is any wrong doing the matter will be passed straight to the police.
    But the police can confirm the death had occurred even if you don't have a copy of the certificate, and can start the investigation.
    Not having the certificate doesn't mean you couldn't report events to the police!

    If the bank has already told you the card was used after death: that is enough. The police can liase with the hospital (to confirm the death) and with the bank (to confirm the transaction after death).

    You've been told the police are the correct agency to deal with this, and they have powers you don't. You trying to investigate instead of them is just adding delay.


  4. #24
    Basic Account Holder rippedoff15 Novitiate



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    Default Re: Probate Legal Issue

    Well i have just finished a call to the police and reported the problem,
    they have said that someone will be calling to our house to take down a statement also on Monday.


    I have explained the situation and they have confirmed that this person cannot withdraw funds from a bank account after they have died as they are not authorized. They have also confirmed they will also look into past transactions as well.


  5. #25
    Basic Account Holder rippedoff15 Novitiate



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    Default Re: Probate Legal Issue

    Well totally shocked,
    our fathers bank account has been emptied and in fact overdrawn and not enough funds to help towards the funeralicon,
    the step daughter has been with drawing funds over the last few months every day, even buying from shops as well.


    on closer reading some days she has withdraw funds from different cash points all at the same time,
    our father died on 28th of last month and she was withdrawing funds after he had died.
    Overall she has taken over 8,000.00 and thats not including the shopping transactions.

    We took all the bank statements
    highlighted the ATM transactions and other transactions such as Paypoint, KFC, Macdonalds, Wine shop, mobile top ups, Tesco


    looking at the transactions its clear clear she was using the account as her own,
    comment from police was she may have had consent ?
    however all this was going n when he was in hospital.

    Example of ATM

    27/7/17 - ATM Natwesticon 20.00
    27/7/17 - ATM halifaxicon 100.00
    27/7/17 - ATM HSBCicon 20.00
    27/7/17 - ATM Natwest 100.00
    27/7/17 - ATM Noremachine 20.00
    27/7/17 - ATM RBSicon 100.00

    We have been told if she has taken all the funds they are gone,
    personally it`s now about whats right and wrong, just hope the police take this issue to hand.


  6. #26
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    Default Re: Probate Legal Issue

    Devils advocate here.

    How do you know your late father didn't give her permission to use the card or cards when he was alive?

    Although after death she should of stopped as the asset's become part of an estate.


  7. #27
    Basic Account Holder rippedoff15 Novitiate



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    Default Re: Probate Legal Issue

    Well the Step daughter confirmed she used the card to get shopping this was known,
    however she had been withdrawing large amounts of cash from different cash points
    coupled together with mobile top ups,
    Paypoint transactions,
    food from KFC,
    MacDonald`s
    and wine & beer from a shop across the road from where she lives
    ( We have found out the address ),


    we have now confirmed that over 11,000 has been withdrawn from cash points.

    We have requested that we meet at the property to discuss the items within the flat,
    but she has stated she will be removing all the items in the morning,
    we have clearly told her that the goods are not hers and she cannot remove goods as they are part of the estate.

    We are travelling to the flat in the morning with a view to sorting out the flat and its contents,
    however she is still refusing to meet up and hand over the keys.
    If she still refuses to meet up can we legally change the locks,


    also we have found out that our father has been renting the flat
    so the landlord has also requested keys
    and if we cannot find the keys they will arrange a locksmith.

    Our father did request that the step daughter arrange the funeralicon,
    however she has now stated the policy payout is only 1,600 and has requested cash sum of 2,500.00 towards the cost
    and has requested we now sort the funeral and has walked away from the situation.

    Due to the missing cash from the bank and now having to pay the funeral costs ourselves when clearly if she had not taken the funds the funeral would have been paid by the estate.


    Seems strange that when she found out about the policy amount she panicked and requested we take over the arrangements.
    We have now sorted the funeral itself and we have managed to find the money,
    but it`s not fair this person can treat the situation like its nothing and has just walked away laughing


  8. #28
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    We could do with some help from you

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  9. #29
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    Default Re: Probate Legal Issue

    Be aware though that the legalzoom link is to a US site which describes the law in the USA not the UK.
    UK law is probably similar but there could be significant differences.


  10. #30
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    Default Re: Probate Legal Issue

    Yes I was aware...but it does offer guidance and basis.

    We could do with some help from you

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  11. #31
    Basic Account Holder rippedoff15 Novitiate



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    Default Re: Probate Legal Issue

    Well finally gained access to the flat only to find it the step daughter has been living at the flat for sometime, overall the flat has been stripped of all furniture and completely trashed and in shocking condition. The police have confirmed they will find to hard to charge her for taking funds before he died as she could state she had his consent, however they maybe able charge her for taking funds after his death.

    This has now left myself and my family is a complete mess as we are having to find the money to pay for the funeralicon ( she also cashed in the policy ), we feel she will now just get a warning as most of the funds were taken before he died.


  12. #32
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    Default Re: Probate Legal Issue

    Sorry to hear that rippedoff15

    Let's hope the police can get the evidence to take action on the money taken after death.

    Do you or the police know where she is now, or has she disappeared?

    I think there's no Will? Has anyone applied for Letters of Administration?


  13. #33
    Basic Account Holder rippedoff15 Novitiate



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    Default Re: Probate Legal Issue

    Well the police are helping now and have stated there has been a fraud, However the biggest problem now we are facing is paying for the funeralicon, we have an a funeral policy which only covers 1,603.00 and we have been quoted around 2.300 from a few funeral firms, my brother is on benefit and we have tried to claim but have been told we cannot claim the funeral payment as there are 2 other siblings myself and our sister, we have explained that we have had no contact with our father for many years in fact around 30 years but they have refused the funeral payment.

    According to the Benefits department we cannot claim as other sibling are not on benefits, so the benefits system is a joke.


  14. #34
    Basic Account Holder rippedoff15 Novitiate



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    Default Re: Probate Legal Issue

    Well totally shocked, after the step daughter refused to deal with the funeralicon arrangements and we now hold all the paperwork, she has tried to claim the funeral payment.

    Firstly the insurance company accepted all my ID and sent the cheque which was covering only pat of the cost, they called yesterday and confirmed they have stopped the payment due to the fact the step daughter has sent in paperwork claim the funds belong to her, we are now unable to pay for the funeral. I have reported this to the police but had no replies.

    We feel like sending the death paperwork by recorded delivery to the step daughter and inform all parties she is dealing with the funeral and paying the balance as well


  15. #35
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    Default Re: Probate Legal Issue

    Is it a condition of the policy that the benefit HAS to be paid towards the funeralicon? (Or an expectation that it usually is?)
    Would the insurers pay the benefit directly to the funeral directors?



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