• Probate

    From Harry Bloomfield Esq@21:1/5 to All on Sun May 11 18:53:50 2025
    Are 'Letters of adminstration' just another name for applying for
    'Probate' please?

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  • From Andy Burns@21:1/5 to Harry Bloomfield Esq on Sun May 11 20:18:12 2025
    Harry Bloomfield Esq wrote:

    Are 'Letters of adminstration' just another name for applying for
    'Probate' please?
    You apply for Letters of Administration if the person died intestate.

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  • From David@21:1/5 to Andy Burns on Mon May 12 06:13:30 2025
    On 11/05/2025 20:18, Andy Burns wrote:
    Harry Bloomfield Esq wrote:

    Are 'Letters of adminstration' just another name for applying for
    'Probate' please?

    In effect yes.

    You apply for Letters of Administration if the person died intestate.

    or if the named executor(s) are no longer alive and someone else will be administering the will.

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  • From Harry Bloomfield Esq@21:1/5 to David on Mon May 12 17:18:20 2025
    On 12/05/2025 06:13, David wrote:
    On 11/05/2025 20:18, Andy Burns wrote:
    Harry Bloomfield Esq wrote:

    Are 'Letters of adminstration' just another name for applying for
    'Probate' please?

    In effect yes.

    You apply for Letters of Administration if the person died intestate.

    or if the named executor(s) are no longer alive and someone else will be administering the will.



    Thanks both, I just to be sure, when advising someone, who's freind had
    passed away, leaving no Will, and little in the way of an estate.

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  • From Roger Hayter@21:1/5 to harry.m1byt@outlook.com on Mon May 12 17:00:13 2025
    On 12 May 2025 at 17:18:20 BST, "Harry Bloomfield Esq" <harry.m1byt@outlook.com> wrote:

    On 12/05/2025 06:13, David wrote:
    On 11/05/2025 20:18, Andy Burns wrote:
    Harry Bloomfield Esq wrote:

    Are 'Letters of adminstration' just another name for applying for
    'Probate' please?

    In effect yes.

    You apply for Letters of Administration if the person died intestate.

    or if the named executor(s) are no longer alive and someone else will be
    administering the will.



    Thanks both, I just to be sure, when advising someone, who's freind had passed away, leaving no Will, and little in the way of an estate.

    If there is much less than 300,000 GBP in the esate and only one direct beneficiary according to the intestacy rules they probably don't even need letters of administration provided the banks etc will cooperate.


    --

    Roger Hayter

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  • From David@21:1/5 to Roger Hayter on Tue May 13 14:16:04 2025
    On 12/05/2025 18:00, Roger Hayter wrote:
    On 12 May 2025 at 17:18:20 BST, "Harry Bloomfield Esq" <harry.m1byt@outlook.com> wrote:

    On 12/05/2025 06:13, David wrote:
    On 11/05/2025 20:18, Andy Burns wrote:
    Harry Bloomfield Esq wrote:

    Are 'Letters of adminstration' just another name for applying for
    'Probate' please?

    In effect yes.

    You apply for Letters of Administration if the person died intestate.

    or if the named executor(s) are no longer alive and someone else will be >>> administering the will.



    Thanks both, I just to be sure, when advising someone, who's freind had
    passed away, leaving no Will, and little in the way of an estate.

    If there is much less than 300,000 GBP in the esate and only one direct beneficiary according to the intestacy rules they probably don't even need letters of administration provided the banks etc will cooperate.


    .......provided the banks etc will cooperate.

    That can be the problem, particularly if you don't share the same
    surname and residential address as the deceased.

    They have become very touchy since October last year when the law
    requiring them to reimburse customers for Authorised Push Payment (APP)
    frauds came into effect.

    Having said that, some banks are more accommodating than others.

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  • From Martin Brown@21:1/5 to David on Tue May 13 16:41:28 2025
    On 13/05/2025 14:16, David wrote:
    On 12/05/2025 18:00, Roger Hayter wrote:
    On 12 May 2025 at 17:18:20 BST, "Harry Bloomfield Esq"
    <harry.m1byt@outlook.com> wrote:

    On 12/05/2025 06:13, David wrote:
    On 11/05/2025 20:18, Andy Burns wrote:
    Harry Bloomfield Esq wrote:

    Are 'Letters of adminstration' just another name for applying for
    'Probate' please?

    In effect yes.

    You apply for Letters of Administration if the person died intestate. >>>>>
    or if the named executor(s) are no longer alive and someone else
    will be
    administering the will.


    Thanks both, I just to be sure, when advising someone, who's freind had
    passed away, leaving no Will, and little in the way of an estate.

    If there is much less than 300,000 GBP in the esate and only one direct
    beneficiary according to the intestacy rules they probably don't even
    need
    letters of administration provided the banks etc will cooperate.


    .......provided the banks etc will cooperate.

    That can be the problem, particularly if you don't share the same
    surname and residential address as the deceased.

    Or how much of a jobsworth the individual that you encounter is.

    I have found banks with limits requiring probate that were strictly by
    the letter of the law all estates with assets totalling more than £5k
    assets are "large" (AFAIK never been updated). To handing over dosh up
    to about £25k per bank with more or less no questions asked on the presentation of a death certificate and "proof" of ID.

    IME Santander was notably amongst the more helpful and the usual
    suspects were among the most hidebound. My numbers may be a little out
    of date now. The permissive limits at most banks rise quite regularly.

    They have become very touchy since October last year when the law
    requiring them to reimburse customers for Authorised Push Payment (APP) frauds came into effect.

    Having said that, some banks are more accommodating than others.

    Some are a lot more accommodating. Some private pension providers can be incredibly slow and obnoxious about paying widows what they are due too.
    R4 Your and Yours consumer prog sorted one big name out fairly recently.

    --
    Martin Brown

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  • From Harry Bloomfield Esq@21:1/5 to David on Tue May 13 16:39:59 2025
    On 13/05/2025 14:16, David wrote:
    .......provided the banks etc will cooperate.

    That can be the problem, particularly if you don't share the same
    surname and residential address as the deceased.

    They have become very touchy since October last year when the law
    requiring them to reimburse customers for Authorised Push Payment (APP) frauds came into effect.

    Having said that, some banks are more accommodating than others.

    From what I gather....

    The entire estate only has a value of maybe £4k, and much of the money
    will be going to refund DHSS (or what ever it is called these days),
    utility bills, rent and etc.

    There are no direct relatives, just an ex-wife, and a step-daughter. The
    latter is the one who has taken the job of executor.

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  • From David@21:1/5 to Harry Bloomfield Esq on Wed May 14 06:36:28 2025
    On 13/05/2025 16:39, Harry Bloomfield Esq wrote:
    On 13/05/2025 14:16, David wrote:
    .......provided the banks etc will cooperate.

    That can be the problem, particularly if you don't share the same
    surname and residential address as the deceased.

    They have become very touchy since October last year when the law
    requiring them to reimburse customers for Authorised Push Payment
    (APP) frauds came into effect.

    Having said that, some banks are more accommodating than others.

    From what I gather....

    The entire estate only has a value of maybe £4k, and much of the money
    will be going to refund DHSS (or what ever it is called these days),
    utility bills, rent and etc.

    There are no direct relatives, just an ex-wife, and a step-daughter. The latter is the one who has taken the job of executor.


    4k shouldn't cause the banks too many palpitations!

    There is a catch 22 situation when dealing with larger estates where IHT
    is payable.

    Probate isn't usually granted until any outstanding IHT has been paid to
    HMRC. The banks do acknowledge this situation and will allow payments to
    be made to a recognised HMRC account on the presentation of a death
    certificate without the need to present any probate/letters of
    administration.

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  • From Martin Brown@21:1/5 to David on Wed May 14 12:56:28 2025
    On 14/05/2025 06:36, David wrote:
    On 13/05/2025 16:39, Harry Bloomfield Esq wrote:
    On 13/05/2025 14:16, David wrote:
    .......provided the banks etc will cooperate.

    That can be the problem, particularly if you don't share the same
    surname and residential address as the deceased.

    They have become very touchy since October last year when the law
    requiring them to reimburse customers for Authorised Push Payment
    (APP) frauds came into effect.

    Having said that, some banks are more accommodating than others.

     From what I gather....

    The entire estate only has a value of maybe £4k, and much of the money
    will be going to refund DHSS (or what ever it is called these days),
    utility bills, rent and etc.

    There are no direct relatives, just an ex-wife, and a step-daughter.
    The latter is the one who has taken the job of executor.


    4k shouldn't cause the banks too many palpitations!

    £4k in total will actually qualify as a genuine small estate in law.

    There is a catch 22 situation when dealing with larger estates where IHT
    is payable.

    Probate isn't usually granted until any outstanding IHT has been paid to HMRC. The banks do acknowledge this situation and will allow payments to
    be made to a recognised HMRC account on the presentation of a death certificate without the need to present any probate/letters of administration.


    Many but not all financial institutions allow direct transfer of their
    funds to the HMRC for IHT tax payment. You have to pay within ISTR 6
    months or interest becomes payable. Interest on a temporary overpayment
    is better than anything the banks offer on current accounts.

    https://www.gov.uk/government/publications/inheritance-tax-direct-payment-scheme-bank-or-building-society-account-iht423

    Form IHT423 is the one that you want under these circumstances. It is no
    help at all if the bank where the funds are doesn't accept it or worse
    all the major assets are illiquid such as shares or buildings.

    --
    Martin Brown

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  • From GB@21:1/5 to Harry Bloomfield Esq on Fri May 16 15:52:16 2025
    On 13/05/2025 16:39, Harry Bloomfield Esq wrote:
    On 13/05/2025 14:16, David wrote:
    .......provided the banks etc will cooperate.

    That can be the problem, particularly if you don't share the same
    surname and residential address as the deceased.

    They have become very touchy since October last year when the law
    requiring them to reimburse customers for Authorised Push Payment
    (APP) frauds came into effect.

    Having said that, some banks are more accommodating than others.

    From what I gather....

    The entire estate only has a value of maybe £4k, and much of the money
    will be going to refund DHSS (or what ever it is called these days),
    utility bills, rent and etc.

    Will there definitely be something left over for the heirs? If not, the
    step daughter shouldn't interfere.



    There are no direct relatives, just an ex-wife, and a step-daughter. The latter is the one who has taken the job of executor.


    --- SoupGate-Win32 v1.05
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  • From GB@21:1/5 to All on Fri May 16 15:54:08 2025
    On 16/05/2025 15:52, GB wrote:
    On 13/05/2025 16:39, Harry Bloomfield Esq wrote:
    On 13/05/2025 14:16, David wrote:
    .......provided the banks etc will cooperate.

    That can be the problem, particularly if you don't share the same
    surname and residential address as the deceased.

    They have become very touchy since October last year when the law
    requiring them to reimburse customers for Authorised Push Payment
    (APP) frauds came into effect.

    Having said that, some banks are more accommodating than others.

     From what I gather....

    The entire estate only has a value of maybe £4k, and much of the money
    will be going to refund DHSS (or what ever it is called these days),
    utility bills, rent and etc.

    Will there definitely be something left over for the heirs? If not, the
    step daughter shouldn't interfere.

    Just to clarify that, nothing left over for the heirs implies a bankrupt estate, and that's not an easy task to deal with.





    There are no direct relatives, just an ex-wife, and a step-daughter.
    The latter is the one who has taken the job of executor.




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