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I now have a problem. When I was told of her death I went straight round to the house to try and find all her paperwork. It wasn't difficult to find because she had already got everything prepared in a big file. There were papers for 2 bank accounts and a credit card along with mobile phone stuff and a copy of her will. There were also the papers from her 2 divorces from years ago, copies of deeds for the houses she had lived in, in fact just about everything that has ever been important in her life. It did seem strange at the time that there was only one will in the box from 7 months ago when I knew she had made other wills over the years and yet there we none of the old wills in the file. Now maybe she changed what seems to have been a habit and she destroyed these other wills, who knows? What was a surprise was that the main beneficiary was not anyone who she had previously mentioned to me. Now it gets a bit messy when you look at her investments and see that she had cashed most of them in over the last couple of years but there is no sign of this on her bank statements. She bought he current house for cash when she sold her previous house in Oct 2013 and she had a surplus of over £30,000. Again no sign of this in her accounts.
When I left her house I took the files and her mobile phones so that I could ring her friends to tell them of her death. Today her phone rang and my son answered it because I am in Spain. It was a loan company chasing a payment.
This has got me worried now because firstly she should have had no need of a loan. Secondly, there is no paperwork in her file to suggest a loan had been taken out and again no sign of any money from a loan going into her accounts.
Things are starting to look very fishy regarding her recent finances. I know she had a bank card disappear/stolen a couple of months ago and it looks like someone has been using her details.
Would I be jumping the gun if I go straight to the police or should I try and find out more information? We are talking about over £50,000 in total.

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Grandad,

I would expect that this will have to be sorted out be the Executor who should have all of her accounts frozen by the banks upon notification of her demise. The paper work/files that you came across will also have to be handed over to the Executor, if you have any misgivings re debts/accounts/loans etc then you will have to speak to the Executor. The £30,000 could have easily been eaten up since Oct 20113 in living costs, having said that the bank accounts should have left a paper trail as to where the money has gone. Iirc the Executor will be able (at a cost) to get back dated bank statements that should enable a picture to be formed of the finances, a check with the bank as to whether the missing bank card has been stopped would also be in order. You also mention previous wills! If the present will has been done properly then I would think that they are irrelevant unless anything untoward has happened to her. Any debts (they will have to be proven) will only be settled when probate is granted.

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Common sense........is just not that Common.

I'd go to the Police Grandad, sounds like she's been mugged off.

The thing is, it is the executor who stands to get all here money and house. The will was changed in September last year. Although no one saw her previous will my sister had always stated that the beneficiary of all her stuff would be her ex husbands son. I can't see why she would have changed her mind. It may be worth pointing out that my sister had been very ill for the last few months with lung cancer and some brain tumours.Her illness could possibly mean that she could be coerced into changing her will. The chap who is the executor and beneficiary is a plumber who has done some work for her over the years. He is not someone who you could say was special in her life.

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Grandad,

She had no mortgage and a pension of around £750 per month. She never went out or took holidays. You could say that she was a bit of a hermit.

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Grandad,

...or maybe he was... you never know how woman's brain works... maybe it's his gas pipe done work properly for her?

have you googled this plumber to see if anything comes up about him ?

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lack of modern legislation is the iceberg sinking the titanic of the transport sector

No, I will do that now.

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Grandad,

I didn't find anything. All I know is his name and address in St Anne's Nottingham.

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Grandad,

From what I can glean from the internet it would seem that the executor does not actually have to show you the will, however you can get a copy once probate has been granted.Unfortunately by then, you really will get into an uphill expensive battle as the proceeds will be well distributed. The situation/probate as it is of the moment will take a number of weeks to be finalised, as such it would leave you time to seek legal advice over your concerns.


He (stating the obvious) would be the first place that I would start to look re her missing bank card and the 30k, it may very well be linked to withdrawals of the missing money,add that to a new will on the scene, and it starts to sound very iffy.The plumber claims to have worked for her over a number of years! then I would guess that he has receipts to back this up from previous accounting years, along with whatever he has done in he past financial year - I doubt it very much that he has, as such it might help to destroy his credibility re his claim of working for her.

Your concerns re the bank card/the missing 30K/the outstanding debt + a non relative gaining benefit, might very well give you grounds for an investigation/challenging the will. This site that I have come across gives a number of reasons that you can challenge the will, it will not be cheap........

https://www.google.co.uk/url?sa=t&rct=j ... KQ5Y4gTAVg



You mention that she made a number of wills over the years! Reading up on wills, it would seem that she would have had to have had two witnesses to a will - would these witnesses have been friends Or were the wills made in a sols office, if it is a sols office.....who did she use as witnesses? The convenient file that you came across (all nice and organised) may very well be legit, having said that, is it possible that she also had another/other bank accounts, that would also show another paper trail as to where monies might have gone.

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Common sense........is just not that Common.

I am sure that the file was correct in most ways because she told me a couple of years ago that she had everything ready for when she died. I know that the will is lodged with a solicitor and I know the 2 people who were witnesses to the will. they were he old next door neighbours. They only witness the signature and were unaware of the contents. I gather they were witnesses to more than the one will that she wrote and they have expressed concerns since I told them who was the benefactor.
I would like to get access to her credit file to check for other accounts but I doubt that this will be straight forward.
I was never going to benefit from her will but I feel sorry for he ex husbands kid who everyone thought was going to inherit. I may just let him have the info and he can decide what he wants to do. He is an adult now.

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Grandad,

St Anne's in Nottingham, I'd be on the phone to the plod ASAP.

Who is next of kin...llegally..

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Justice for the 96. It has only taken 27 years...........repeat the same lies for 27 years and the truth sounds strange to people!

My dad.

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Grandad,

The exec is in control of the estate....llegally...unless the police are involved by the next of kin..also get in touch with trading standards in both areas and see if he is known to them....

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Justice for the 96. It has only taken 27 years...........repeat the same lies for 27 years and the truth sounds strange to people!