If the mortgage was just in the deceased’s name, we’ll cancel any direct debits paying the mortgage. If the person left on the account needs to change or discuss the monthly payments, speak to one of our Mortgage Advisers. If the mortgage is held in joint names, the monthly payments will continue. You’ll need to contact us if you want to stop any. If the account is in joint names, we’ll keep all regular payments as they are.
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If the account is only in the deceased’s name, we’ll stop all payments and send you a full list of what’s been cancelled, so you can contact them if you need to set any up again. What will happen to standing orders and direct debits? If anything changes with the account, we’ll always let you know. Yes - if you’re the joint account holder, you can keep using the account as normal. Most will ask to see a death certificate and guide you through what to do next. If you are informing organisations by phone, it’s helpful to have account or reference numbers to hand before calling. Once you’ve managed any priority payments, you can begin to consider other financial arrangements, such as mortgages, bank accounts and insurance policies. It is still important to notify providers that someone has died, even if bills are being paid or will continue to be paid. Details of any debts (including credit cards, store cards, loans, etc).Property deeds, mortgage deeds or rental contracts.Insurance policy details (including car, health, home, life, etc).Bank, building society, savings accounts details and certificates, details of any stocks and shares.
It will help you deal with other companies if you have the following to hand: Look on the government's website for information about this. This process works differently in the different nations of the UK. If there's no will, an administrator needs to be appointed. You'll need to tell them what's happened straight away, because there are things they'll need to do. Wills always have at least one executor, whose details are written in the will. If you don’t know where the will is, the accountant or solicitor should be able to help.
The Government provides a helpful step-by-step guide to tell you exactly what you need to do and how quickly you need to do it. There are also variations for different parts of the UK. The process varies depending on whether the person died at home, overseas or in a hospital.
Register the death - Take the medical certificate to the registrar of births, deaths and marriages.Get a medical certificate - Ask their GP or doctor to provide a medical certificate.There are a few immediate things that you will need to do:
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