What Needs to be Done after Registering a Death in Bexley

[print-me target=”body”/]

Dealing with a death and Registering a death in Bexley

This is what you need to know when dealing with a death in this area. It can be a daunting task, but our printable list of what to do and who to contact should make it much easier and avoid the legal jungles some folk land themselves in. many people will be able to manage without professional help, but we can introduce you to tailored services should you need help – just call 03 300 102 300 or use the form at the foot of the page.  If the death is sudden and unexpected, you should contact the Police non-emergency service on 101 to be on the safe side and always the deceased’s doctor See Probate delays.   Wrong area?  Go here.

• I have tried to cover the essentials on this page for other useful information and tips, try here or use the search facility. If that fails to find what you are looking for, let me know.

 You might want to download our handy Guide: What the Registrar Needs to Know to register a death in Bexley.

[print-me target=”body”/]

Please read the whole page as things may not need to be done in the precise order we have suggested, depending on the situation.To avoid confusion, we use the word Executor to include Administrator as the two are essentially the same.

A Medical Certificate of Cause of Death (MCCD or Green Form)

Delaying this will delay other things, if the death was in a hospital, they may well provide it. If not, notify the deceased’s doctor and request the MCCD. If they haven’t seen the deceased within 4 weeks, or if the death was sudden they may refer it to the coroner, which may well mean the funeral is delayed.

Inform Next of Kin and Other Family Members.

One of the most important steps after someone dies is to inform their next of kin. This should be done as soon as possible, and all dependents/family members should also be informed. Ideally, this should be in place long before: create a plan that outlines who you want to contact, how you want them to be contacted, what details need to be shared and when you will contact them. It may also help to create a physical list or a form with all the necessary details in case further discussions come up while informing people. The address book is the obvious place to look, though these days that might be computerised.

Grief help

The executor should arrange to secure any valuables if the property is no longer occupied – we would recommend photographing everything before removing it. You MUST check with the insurance company as they will have specific requirements for empty properties, without which it is likely claims will NOT be paid, leaving the executor to pay personally. Vacant property insurance (the link is repeated below). It is prudent to have the locks changed as anyone might have keys but be sure that this is not done in a way to alienate anyone and is explained to appropriate beneficiaries, or it will upset anyone expecting access, which should ideally now be supervised.

The next step is usually to appoint a Bexley undertaker to collect the deceased part 1.

Thousands of pounds can be wasted if there was a prepaid funeral plan and the wrong funeral director is used. We are trying to add a list of local Funeral Directors at the foot of the page.

Find a funeral plan.

This is less urgent if they died in hospital, as they can be kept in the morgue.HOWEVER, if the Bexley Coroner is involved, you will need their agreement to move the deceased as they may wish to examine the body.  Speak to one of the Coroners Officers should the Coroner become involved.South London Coroner’s Service is at  2nd Floor,  Davis House,  Robert Street,  Croydon  CR0 1QQ covers the London Boroughs of Croydon, Sutton, Bromley and Bexley.All correspondence for the South London Coroner’s Court should be addressed to the above.  Both the court and office are at the above address.Main switchboard: 020 8313 1883 For general enquiries please E-mail us on: ad***********@*********ov.ukIf you are a professional enquiring about a referral that has been submitted to us via the portal please email ad***********@*********ov.ukIf the deceased lived in a care home, they will carry on charging fees (often over £1000 a week) until both the deceased and their possessions have been removed. Other residents do find it uncomfortable.Technically, appointing the funeral director is the job of the executor, so they should be involved if at all possible.  The person who appoints the funeral director can be held liable for the costs if the estate does not pay.Some families organise viewings of the body, but I would suggest these are restricted to adults (personal experience.)TIP: banks, if asked in advance, will usually pay out funds towards the cost of the funeral from the deceased’s accounts to the funeral director if invoiced direct to the institution.  They will NOT release funds to reimburse the executor or family if they pay the funeral director: they will have to wait until probate is granted (assuming it is needed) and claim as creditors.

Government help with bereavement.

Register a Death in Bexley – within 5 days:

Who can register the death      What the Registrar needs to know (PDF download).

Once it’s been established who should be notified of the death, the next step is to contact a Registrar of Births Deaths and Marriages in Bexley where the person has died. You can register the death elsewhere, but the death certificate will always be issued where the deceased died, so there will be an additional delay. Registration is needed so that a certificate can be issued and used for important matters such as applying for probate and sorting out any property that was owned by the deceased. You’ll need to provide some personal details, such as their full name, date and place of birth, home address and whether they were married or not. The Registrar will also need to know where, when and how the death happened.NB – the 5 days is NOT 5 working days, but a strict 5 days. Call the Registrar if this is a problem as it is a criminal offence, unless the Coroner is delaying things.We recommend taking advantage of the Registrar’s “Tell Us Once” service which will notify many official departments of the death and save time.Contact details to Register a death in Bexley:To book an appointment visit the Kent County Council website.All deaths must be registered with a registrar where the death occurred (but see below if this is inconvenient).When someone dies, the doctor issues a medical certificate of cause of death.If the death happened in Kent or Bexley and you have the medical certificate, or know it has been emailed to the register office, you can contact the registrar to arrange to register the death in Bexley: telephone 03000 415252.

This service does not include Medway, the London Borough of Bromley or The Royal Borough of Greenwich.

If you need to register a death in Bexley urgently

The only reasons for doing so are normally that for religious or cultural reasons burial mist take place within 24 hours. Call 101 and ask for the Control Room to contact the duty Bexley registrar of Births Deaths and Marriages, though most Bexley funeral directors will be able to assist.

If you do not live in Kent or Bexley

If the death happened in Kent or Bexley but you cannot attend an appointment here, you can register a death in Bexley initially with any registrar in England and Wales. The details are then sent to Kent Libraries, Registration and Archives service who will formally register the death. This is called registration by declaration, and it does take longer and could delay a funeral on occassion.If you need any advice about registering a death, telephone 03000 415252.

Videos of What to do after a death and of Tell us Once Service which advises Government related organisations of the death.

Arrange the Funeral in Bexley. Part 2.

Now it’s time to arrange a funeral. This is typically done by the family or (officially) the executor of the deceased, though most people will appoint professional Bexley funeral directors to take care of this for you. You’ll need to decide on the type of service and burial or cremation, any special requests and who will be invited. You may also wish to contact newspapers or websites if you’re planning a public service, though most funeral directors will assist or even arrange it for their clients. It’s important to keep track of your necessary costs as they can be claimed back from the estate later.If you are not sure if the deceased left any funeral wishes, they are sometimes in the Will.

Featured Bexley Funeral Directors Banner

Find the Will, if there is one.

The executor appointed in the Will is responsible for everything and should authorise anyone wishing to take anything, as it may not be allowed by the Will. If there is no Will, then the next of kin can act as Administrator (essentially the same as executor). The next of kin is NOT a common-law spouse, who is in a complex situation and should take advice. Be very careful with potentially valuable items as their value needs to be established.

If professional help is needed, please contact The Probate Department (brokers) and we will find suitable help at a sensible cost.

Be aware that it is common practice for solicitors to store Wills, on the off chance that you will use them for the probate without ever comparing their fees with anyone else’s – when you might be able to cut them by 90%, this is not sensible! Even if the solicitors are named as executors, they can normally be asked to stand down (unless they have started work) if we can find you much lower fees, or you can do it yourselves. We don’t charge you anything to save you money.Be aware that lay executors cannot charge for their time, but they can recover any money they have paid out of the estate and perhaps mileage and post costs – keep records.  One executor decided they needed a car to carry out their duties, which was considered quite unacceptable by the court, so be prudent. Professional help can be reimbursed by the estate before distribution -Some executors refuse to give copies of the Will to beneficiaries: it is my personal opinion that this makes people suspicious and may well need to quite unnecessary legal action.

DANGER: We strongly suggest contacting us to find a competent and relatively inexpensive probate professional if:

1. The person responsible does not have the necessary administrative skills.
2. Inheritance Tax may be payable OR
3. If there may be a probate dispute – I have seen so many families fall out over Wills, and it can often be prevented if they blame a probate professional!
4. If there are Trusts involved (whether in the Will or not) 0r overseas assets.
5. If there have been significant gifts made by the deceased within the last 7 years (sometimes 14). If these gifts are added back into the estate, might IHT be payable or increased?
6. If the deceased’s home has previously been transferred to anyone else but they carried on living in it.

Professional services can range from just checking the forms to doing the whole thing, and we can usually save a great deal of money, often well over half.

Their services can range from just checking the forms to doing the whole thing, and we can usually save a great deal of money, often well over half.

How to find a Will

No Will? Then the Rules of Intestacy apply.

Then the next of kin can apply for probate if necessary, but they are called Administrators rather than Executors and who inherits is decided by the Law rather than the deceased or the family and disputes are even more likely, with dependants who are not legally family (such as common law spouses) may have to go to Court to obtain anything.

WARNING: some executors or administrators think they can do whatever they think is best with the proceeds and ignore the Will or Rules of Intestacy.. This is not so, and unless done in a legal fashion is potentially THEFT. They must do what the Will dictates, or follow the Rules of Intestacy. It is potentially possible to make changes via a Deed of Variation, but only if any beneficiary losing out is of sound mind and over 18. In that case Court approval will be needed. We can point you at relatively inexpensive advice.

The Executor Should Secure the Deceased’s Property and Possessions.

After the funeral and burial or cremation is complete, it’s time for the executor/s to start dealing with the deceased’s property and possessions.

• If their property is no longer occupied, the insurance of both buildings and contents needs review, contact the insurers as claims on empty properties may not be paid. More on insurance for empty properties.
• You should also consider changing the locks as no one knows who has keys. If it is rented, with the landlords’ permission or arrange for it to be valued and cleared quickly to reduce the rent payable..
• Secure any valuables if not already done – we would recommend photographing everything before removing it.
• Tracking down any assets that have been left in a will, administering or arrange to be set up any trusts set up before death,
• You’ll need to contact banks, insurers, mortgage lenders and other companies if applicable.  You will need to establish date of death values for both assets and liabilities. HMRC must be informed of the death to ensure they deal with any relevant tax issues, but if the Tell Us Once Service was used, they will be aware..
• If Inheritance Tax is a possibility, we would strongly recommend that you contact us so we can find you a suitable adviser as things can get very complex. For example, and gifts made within the last 7 years may be pulled back into the estate before tax is calculated.
• Where there may be debts, it would be prudent to advertise the death in the approved fashion in the local paper and Gazette to avoid creditors suing the executor.  If there is a business too, you may need to advertise in Trade papers as well.
• Unclaimed assets – many people have privatisation shares and other accounts which they have forgotten about so it is wise to check for unclaimed assets.
• BE VERY CAREFUL ABOUT WHAT YOU THROW AWAY!

PRICE CHALLENGE: reliable professional probate help at a substantially lower cost?

Call Steve 03 300 102 300 (leave a call back number out of hours) or use the enquiry form here. We’re often asked how much does probate cost, and the answer is is nearly always less when we source quotes for you – there is NO cost and NO obligation.The firms we ask to quote are correctly regulated and past experience and customer feedback indicates that they do a good job as quickly as possible, and (importantly) their probate fees are very competitive. We don’t go for extreme low fees to ensure a reliable journey for clients.The expected minimum saving is THIRTY PER CENT and it is often FAR more than that. A useful boost for the beneficiaries for maybe 5 minutes chatting to us. If you already have a really good price, we’ll tell you straight away, but our PRICE CHALLENGE is well worth taking up, even just as evidence to the benficiries that you have done your best.Since 6 December 2018, solicitors are requires display prices and service information if they offer probate services. Few do, so comparisons are not easy without our help.

So how much does a solicitor charge for probate in Bexley?

Many people still think probate solicitors have a monopoly, but they are rarely probate specialists. In general probate solicitors fees are high, often substantially higher than specialist probate lawyers. Some charge both high hourly rates and “responsibility allowances” which can be a high as 1.8% – so on a £100 bank account, an extra £1.80, a £10,000 one (same amount of work) £180, £100,000 and extra £1,800 and so on.It pays to get some alternative probate lawyers quotes as part of the duties of an executor to maximise what the beneficiaries inherit.

If you want to make your own probate application, there is lots of helpful content on the site, but do bear in mind that it is merely general guidance.

Organise Financial Affairs with Banks, Insurance Companies and HMRC.

It is important to contact banks, insurance companies and HMRC as soon as possible after a person has passed away. For all assets or liabilities you will need a date of death balance, including any interest accrued but not yet added, so the executor might as well ask for it immediately. This means organising financial affairs and dealing with any debts that may be outstanding. . Obtaining probate (a legal document often required when administering an estate) can also help gain access to certain accounts. If inheritance tax is owed, it must be paid BEFORE probate is granted either from the estate or from the beneficiary’s own resources before inheriting or by way of a probate loan.

Paying IHT

Bexley Probate Applying for Probate or Letters of Administration: part 1.

Probate is not always required, but the executor should keep careful notes of all assets and liabilities, partly as they have to account to the residuary beneficiaries (the ones who get shares of the estate rather than specific amounts or items), and partly as one item may turn up later which cannot be released without a Grant of Probate/ Letters of Administration and if you have not kept the notes, you may have to do everything again!Forms to apply for probate can be obtained by calling 0117 930 2430 24×7 or (slower and in office hours) 0300 123 1072 (not us!) Whilst our site helps with DIY Probate, there are issues:

DANGER: We strongly suggest contacting us to find a competent and relatively inexpensive probate professional if:

1. The person responsible does not have the necessary administrative skills.
2. Inheritance Tax may be payable OR
3. If there may be a probate dispute – I have seen so many families fall out over Wills, and it can often be prevented if they blame a probate professional!
4. If there are Trusts involved (whether in the Will or not) 0r overseas assets.
5. If there have been significant gifts made by the deceased within the last 7 years (sometimes 14). If these gifts are added back into the estate, might IHT be payable or increased?
6. If the deceased’s home has previously been transferred to anyone else but they carried on living in it.

Professional services can range from just checking the forms to doing the whole thing, and we can usually save a great deal of money, often well over half.These steps could well be of benefit to both Executors and Beneficiaries:

• If not already done, at this stage it is wise to open an executors account with a bank, as allegations of all sorts can arise if you pay any funds into your own bank account.
• Putting a notice in The Gazette to ensure that there is protection against unknown creditors.
• Searching for unknown assets such as privatisation shares, paid-up insurance policies (some insurance policies require no further payments after a certain age, so there may be no evidence of them on banks statements) etc.

Estate Administration in Bexley Probate

Once you have the Grant or Letters of administration, and you will need more copies than you expect. then you can gather in the assets, pay any outstanding debts, pay out the specific legacies such as £1000 or the mantle clock, get the estate accounts agreed by the residuary beneficiaries (they are the ones who get a proportion of the estate) and right at the end, once they have all agreed the accounts, you can pay them.All paperwork should be kept for six years.Should you need professional support, give The Probate Department (brokers) a call on 03 300 102 300 – leave a message after hours or if we are already engaged.There is a list of local crematoria and cemeteries and other useful contacts below this form.

 Bexley Probate Help or Information / Enquiry Form:

[contact-form to=”st***@*********************co.uk” subject=”Local Pages Bexley”][contact-field label=”Name” type=”name” required=”1″][contact-field label=”Email” type=”email” required=”1″][contact-field label=”Phone/s” type=”text”][contact-field label=”How can we help?” type=”checkbox-multiple” options=”Please email Probate Guide,I would like to discuss the sensible cost of professional help with probate,I can do the legwork: The Assisted Probate Service might suit me,Suggestions to improve page,I would like to be listed on this page as I provide a relevant service.,Other”][contact-field label=”Message” type=”textarea”][/contact-form]

Cemeteries and Crematoria local to Bexley.

• Bexleyheath Cemetery
• Erith Cemetery
• Hillview Cemetery
• Sidcup Cemetery

Crematoria – The Eltham Crematorium in Falconwood is governed by a joint committee from Bexley, Greenwich and Dartford councils. The main administration is run by Royal Borough of Greenwich.

Bexley Funeral Directors

• Bexleyheath Funeralcare 299 Broadway Bexleyheath DA6 8DG 020 8303 1856.
• W Uden 6 Townley Road Bexleyheath DA6 7HL
• Francis Chappell 217 Broadway, Bexleyheath, DA6 7EJ
• PL Mulligan Funeral Directors Limited 268 Broadway, Bexleyheath, Kent DA6 8BE.
• Ashown Funeral Services 232 Blackfen Road, Sidcup, DA15 8PW
• RL Morgan 163 Long Lane, Bexleyheath, Kent, DA7 5AE.
• Bexley Funeral Directors Service 165 Blendon Road, Bexley, Kent, DA5 1BT.

Please use the comments function to add local funeral directors.

Bexley Florist

fl*****************@*****il.com

Independent Financial Advisers.

It is also probable that you would benefit from the services of a genuinely Independent Financial Adviser local to you, both personally or during the course of the probate and estate administration.

Bexley Locksmith

House Clearance

 

Probate Property Auctions

These are National Auctioneers for homes etc, not for goods.

Free Property Value estimate or formal RICS Valuation for probate.

 Property relevant pages indexed.

General Auctioneers & Valuers

Sherlocks 16 Bourne Road Bexley Kent DA5 1 LU

Bexley Wake Venues

• Birchwood Park Golf & Country Club Birchwood Road Wilmington Dartford Kent DA2 7HJ.
• The Kings Head 65 Bexley High Street, Bexley, England, DA5 1AA

Areas covered by the Bexley Registrar of Births, Deaths and Marriages.

Barnehurst, Bexleyheath, Belvedere, Blackfen & Lamorbey, Blendon & Penhill, Crayford, Crook Log, East Wickham, Erith, Falconwood & Welling, Longlands, Northumberland Heath, Sidcup,Slade Green & North End, St Mary’s and St James, Thamesmead East, West Heath.