Poll: Poll: Have you made a will?

Do you have a will

  • Yes

    Votes: 7 21.2%
  • No

    Votes: 26 78.8%

  • Total voters
    33
Caporegime
Joined
24 Dec 2005
Posts
40,250
Location
Autonomy
Two months ago my cousin fell ill...He has been in intensive care and recently moved to the high dependency unit.

He has had a tracheotomy done and has Brain damage..He is 44

The doctors have said that there is slow improvement and it could be a very slow process..

They haven't ruled out him making a enough progress to live an independent life.

I had a phone call today from his brother panicking about his affairs...

My cousin is married but the marriage failed years ago....His older brother is worried that if things don't improve she will get everything...

Is there anything he can do?

I'm asking for help as when he rings me I don't know what to say to him for the best.

Have you made a will?
 
27 years old, don't have any children or partner to speak of so i've seen no point in making a will.. The most valuable of my possessions is my car and my computer, probably totalling maybe 8k?

I have however come into bother with wills recently,

My dad died on the 31st of December 2016 of non-hodgkin lymphoma, and didn't get around to making a will.. This has lead to A LOT of problems due to the need of my step mother applying for probate before any insurance policies can be paid out to clear the mortgage etc, and even then the entirety of his estate will be in her name when he had intended to leave the house to myself and my three brothers.. She does seem amicable and very forward in the fact that she intends to leave it to us if 1) she dies or 2) the house is ever sold, then it would be split between us all..

But nothing is stopping her from changing her will or her mind in general on who should have the house.. Very annoying situation to be stuck in.
 
I made a will before I went to Iraq for the first time. It was on the list of things work require you to do before you travel. As you can imagine that puts things into focus pretty quickly, combined with the Kindnap/ Proof of life stuff they make you do and issuing you your body armour.

I reality it was something id been planning to do for a longtime but just didn't get round to. I did mine myself, no lawyers involved but its very simple instructions so you just need to find a format online and get it signed by 2 witnesses. If your circumstances are more complicated then it isn't too expensive.

As for your case if hes in a HDU I'm guessing its not possible for him to update his will now (hardly something you want to bring up anyway). It could be a problem, Hes wife will be inline for everything if nothing else exists saying otherwise. you can argue it but its not easy and the result isn't guaranteed.

If there is no will it could end in in court trying to argue that the marriage is dissolved if they aren't divorced. if they are divorced and there is no will the it will be children if no kids then brothers and sisters and so on, look it up on the .Gov website.
I did my Mums stuff after she died but I have removed all the links from my favourites cause they were depressing to look at.

Anyway, here's hoping you don't need to find out just yet. good luck.
 
Two months ago my cousin fell ill...He has been in intensive care and recently moved to the high dependency unit.

He has had a tracheotomy done and has Brain damage..He is 44

The doctors have said that there is slow improvement and it could be a very slow process..

They haven't ruled out him making a enough progress to live an independent life.

I had a phone call today from his brother panicking about his affairs...

My cousin is married but the marriage failed years ago....His older brother is worried that if things don't improve she will get everything...

Is there anything he can do?

I'm asking for help as when he rings me I don't know what to say to him for the best.

Have you made a will?


It would be very difficult for her to apply for probate, if not impossible given the circumstances..
 
It would be very difficult for her to apply for probate, if not impossible given the circumstances..

Actually, he says failed but not divorced. In the eyes of the courts, if they are still married and there is no will she gets all of it, or if children are involved it gets broken down between them but the wife, even if they've not been together for 15 years still gets a massive share. In fact, he could be in a long term relationship with someone else, even have kids with them but that partner would get nothing unless she is named but the child would get a share.

Two months ago my cousin fell ill...He has been in intensive care and recently moved to the high dependency unit.

He has had a tracheotomy done and has Brain damage..He is 44

The doctors have said that there is slow improvement and it could be a very slow process..

They haven't ruled out him making a enough progress to live an independent life.

I had a phone call today from his brother panicking about his affairs...

My cousin is married but the marriage failed years ago....His older brother is worried that if things don't improve she will get everything...

Is there anything he can do?

I'm asking for help as when he rings me I don't know what to say to him for the best.

Have you made a will?

The big question, as you say he has brain damage is, does he still have mental capacity? Does and can he make his own decisions about his life? Are the doctors letting him choose what happens around his treatment?

It's a very complicated thing, depending on the exact circumstances and what estate and assets he has along with who is in his life. A Will only states what happens to your estate after you die, but there's a lot that can happen before then. there are many things that can be done IF he has mental capacity, Lasting Power of Attorney (LPA) covers decisions regarding health and another for finances, these give a chosen person or persons power to make decisions based on the best interests of them. You can create a Will, you can even create a Trust to hold everything in.

If he doesn't have mental capacity and doesn't have a will, he can't make one. You must be of sound mind to create and sign a Will. You must be in sound mind to create and sign an LPA. What you can do is get in touch with the Court of Protection and register for access to LPA decisions, but it's not cheap and it's not simple.

I work for probably one of the biggest Estate Planning companies in England and Wales, so if you want to trust me with more information I can suggest some things or I can put you in touch with someone local to them who can help.

I would advise everyone has a Will put in place. I would beware free one's offered by banks etc, they are free because they are named on the Will's as executors and can charge silly amounts of % of the estate after the death. We offer an online service for writing your own Will, it covers the basics and proves very popular, I am sure other services are out there. You can write a Will on a napkin as long as it's witnessed by 2 people who aren't benificeries. I would advise that people also look at LPA's, they cost £110 to register (you can fill them out yourself or get a professional company involved) but there are 2 types of LPA so £220 per person. It states 6 weeks to process but it can take up to 6 months due to backlogs. If it's not filled in correctly (even a signature outside the box) it will be rejected with a cost of £60 ish to reregister. Trusts are another option, along with legal documents splitting the ownership of properties etc.

There's a story of an author who's husband was hit by a truck, in a coma for 3 years and there was no LPA in place. She was on the One Show but I can't remember her name. She ended up dealing with the court of protecton, it's not a pretty story.
 
Actually, he says failed but not divorced. In the eyes of the courts, if they are still married and there is no will she gets all of it, or if children are involved it gets broken down between them but the wife, even if they've not been together for 15 years still gets a massive share. In fact, he could be in a long term relationship with someone else, even have kids with them but that partner would get nothing unless she is named but the child would get a share.



The big question, as you say he has brain damage is, does he still have mental capacity? Does and can he make his own decisions about his life? Are the doctors letting him choose what happens around his treatment?

It's a very complicated thing, depending on the exact circumstances and what estate and assets he has along with who is in his life. A Will only states what happens to your estate after you die, but there's a lot that can happen before then. there are many things that can be done IF he has mental capacity, Lasting Power of Attorney (LPA) covers decisions regarding health and another for finances, these give a chosen person or persons power to make decisions based on the best interests of them. You can create a Will, you can even create a Trust to hold everything in.

If he doesn't have mental capacity and doesn't have a will, he can't make one. You must be of sound mind to create and sign a Will. You must be in sound mind to create and sign an LPA. What you can do is get in touch with the Court of Protection and register for access to LPA decisions, but it's not cheap and it's not simple.

I work for probably one of the biggest Estate Planning companies in England and Wales, so if you want to trust me with more information I can suggest some things or I can put you in touch with someone local to them who can help.

I would advise everyone has a Will put in place. I would beware free one's offered by banks etc, they are free because they are named on the Will's as executors and can charge silly amounts of % of the estate after the death. We offer an online service for writing your own Will, it covers the basics and proves very popular, I am sure other services are out there. You can write a Will on a napkin as long as it's witnessed by 2 people who aren't benificeries. I would advise that people also look at LPA's, they cost £110 to register (you can fill them out yourself or get a professional company involved) but there are 2 types of LPA so £220 per person. It states 6 weeks to process but it can take up to 6 months due to backlogs. If it's not filled in correctly (even a signature outside the box) it will be rejected with a cost of £60 ish to reregister. Trusts are another option, along with legal documents splitting the ownership of properties etc.

There's a story of an author who's husband was hit by a truck, in a coma for 3 years and there was no LPA in place. She was on the One Show but I can't remember her name. She ended up dealing with the court of protecton, it's not a pretty story.


My point is, application for probate is quite bluntly A NIGHTMARE

And for somone not in his life for so long? Knows nothing about his finances, which probate requires, bank statements, debts, etc etc etc..

She won't be able to successfully apply due to lack of information, her solicitors will hit a brick wall..
 
I need to get one done actually, a lot of the family assets are currently on the way to me (transfer of equity for property etc), so probably best I have one in place in case something should happen to make sure it goes to the right places and people...
 
from citizens advice website.
Married partners or civil partners inherit under the rules of intestacy only if they are actually married or in a civil partnership at the time of death. So if you are divorced or if your civil partnership has been legally ended, you can’t inherit under the rules of intestacy.

Partners who separated informally can still inherit under the rules of intestacy. Cohabiting partners (sometimes wrongly called 'common-law' partners) who were neither married nor in a civil partnership can't inherit under the rules of intestacy.

If they are divorced then its not a problem, if they aren't then it most certainly is unless there is a will to the contrary.
 
My point is, application for probate is quite bluntly A NIGHTMARE

And for somone not in his life for so long? Knows nothing about his finances, which probate requires, bank statements, debts, etc etc etc..

She won't be able to successfully apply due to lack of information, her solicitors will hit a brick wall..

Oh yes, it's a nightmare, that's why we have a dedicated team that handles it. I wouldn't touch it with a barge pole. However, as far as I am aware, if they are still legally married she can request access to all of this financial data using the marriage and death cert. Banks will hand it over and legally, she's entitled to it. As House says, rules of intestacy gives her everything, unless kids are involved.

When money is involved, even small estates can rip families apart, I've seen it happen.

I need to get one done actually, a lot of the family assets are currently on the way to me (transfer of equity for property etc), so probably best I have one in place in case something should happen to make sure it goes to the right places and people...

Best to have it done asap, but make sure that you check it over every few years. Things can change. For instance, if you get married any will you had before is now void.

from citizens advice website.

If they are divorced then its not a problem, if they aren't then it most certainly is unless there is a will to the contrary.

Yep, and if you look at the sharing amounts for it all it's shocking how little kids can get.
 
Look at this form and imagine trying to fill it in accurately if you haven't known a person for many years..

https://formfinder.hmctsformfinder.justice.gov.uk/pa1-eng.pdf

I actually didn't find probate and inheritance tax that hard when I did my mum's apart from the fact I had to do them at all its a hard thing to focus when your grief stricken. Compared to immigration forms they are easy, I bottled it with them and paid a lawyer to check them over, he said id done a good job but still charged me a few hundred for checking them, they were over 300 pages in the end.

Its strange what you find when you go through someones life even someone you know well like my mother, insurance policys you didn't know she had, debts you knew nothing about. More than once I had to walk away from it and take a breath, its not easy.
 
The big question, as you say he has brain damage is, does he still have mental capacity? Does and can he make his own decisions about his life? Are the doctors letting him choose what happens around his treatment?

At this early stage no...The doctors are doing what they deem best for his recovery.

The NHS are doing what they need to promote change.

He has a son from a previous relationship (Now 18)...But I'm guessing if no will is in place his eldest could receive nothing? And the ex wife ( not divorced ) everything?
 
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I've made a will and stored it with the local council somewhere. I don't remember where - it was years ago. It should pop up when I'm certified dead. Paperwork attracts paperwork. I realised that my estate wouldn't be completely trivial because I own a house and have a works pension (although that's now worth almost nothing) and it seemed inconsiderate to make any surviving family members sort it out after I'm dead and probably a large chunk of it going to lawyers and/or the government. So a simple will dividing it up amongst immediate family with the provision that if any of them are dead what would have been their share is divided amongst whoever is left. If they're all dead by the time I'm dead then I don't know or care what would happen to my estate. So straightforward stuff, took me hardly any time.
 
I've made a will and stored it with the local council somewhere. I don't remember where - it was years ago. It should pop up when I'm certified dead. Paperwork attracts paperwork. I realised that my estate wouldn't be completely trivial because I own a house and have a works pension (although that's now worth almost nothing) and it seemed inconsiderate to make any surviving family members sort it out after I'm dead and probably a large chunk of it going to lawyers and/or the government. So a simple will dividing it up amongst immediate family with the provision that if any of them are dead what would have been their share is divided amongst whoever is left. If they're all dead by the time I'm dead then I don't know or care what would happen to my estate. So straightforward stuff, took me hardly any time.


I'm confused

Who gets what?
 
At this early stage no...The doctors are doing what they deem best for his recovery.

The NHS are doing what they need to promote change.

He has a son from a previous relationship (Now 18)...But I'm guessing if no will is in place his eldest could receive nothing? And the ex wife ( not divorced ) everything?

Intestacy flowchart

Basically, she gets the first £250k of his estate, anything left over she then gets 50% of, the rest is split between the children, as there is only 1 child he'll get get 50% of anything over £250k.

I'd advise that your cousin speaks to his brothers doctors, even though he's got the doctors making decisions, they may still state that he's the mental capacity to make a will. I'd also get them to witness it as if it is contested he'll be in the ideal position to argue the fact he was mentally able to make the decisions himself.
 
I've made a will and stored it with the local council somewhere. I don't remember where - it was years ago. It should pop up when I'm certified dead. Paperwork attracts paperwork. I realised that my estate wouldn't be completely trivial because I own a house and have a works pension (although that's now worth almost nothing) and it seemed inconsiderate to make any surviving family members sort it out after I'm dead and probably a large chunk of it going to lawyers and/or the government. So a simple will dividing it up amongst immediate family with the provision that if any of them are dead what would have been their share is divided amongst whoever is left. If they're all dead by the time I'm dead then I don't know or care what would happen to my estate. So straightforward stuff, took me hardly any time.

You need to find out where it is stored and the process to get it back. Then you need to leave this somewhere that your loved ones can find. Otherwise, they either might miss it or will have a nightmare trying to get it back at a time they are grieving which makes everything worse.

Do you really want everything you've worked for to rest on "it should pop up".

I've just designed, created and ordered little credit card sized cards that we send out when we store Wills. They can be kept anywhere, last forever and explain the process to request a Will from us.
 
I believe it should be law to have a will and to have funds ready to pay for the funeral even if its monthly cheap thing at a young age, my mom died suddenly 7 weeks ago and she had no plans set as side for her death even though she mentioned it on and off through the years, it was a fooooooooking nightmare to sort it out don't wish it on anyone.

So yes
 
I believe it should be law to have a will and to have funds ready to pay for the funeral even if its monthly cheap thing at a young age, my mom died suddenly 7 weeks ago and she had no plans set as side for her death even though she mentioned it on and off through the years, it was a fooooooooking nightmare to sort it out don't wish it on anyone.

So yes

Intestacy rules state that if no blood relative can be found, the estate goes to the crown. Can't remember any figures off the top of my head but it's not a small amount. They won't change that.

It's daft as well that in this day and age, video Wills are not allowed either.

Funeral plans are a great idea, we sell them as well. You pay for a future funeral at today's prices. It's not a cheap thing. I've stated to the wife I just want a cardboard box, nothing fancy. Better things to spend the money on :)
 
The worst one i found is if my father was not married before he died, the entirety of his Police pension (over 33 years) would be paid back to the government... That is £21,000 a year for the rest of his life.. He died at 56.
 
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