My sister now tells me out of the blue that if i get a solicitor she will never speak to me again. I guess i,ve hit the nail on the head. I will be calling a solicitor on Monday morning to get the ball rolling.
I decided to bite the bullet and call my sister today to ask her about my dads estate e.t.c. once again she would not answer any questions or give me any details. I told her about the bike radar thread i,d started. I also told her about the comment and suggestions made by members. My sister now tells me out of the blue that if i get a solicitor she will never speak to me again. I guess i,ve hit the nail on the head. I will be calling a solicitor on Monday morning to get the ball rolling. Gents just a few questions for those legal boffins amongst you, would it be easier to get a solicitor in my home town where my Dad lived or does it not matter. Could i talk to the solicitor via telephone or would i have to make a personal appearance and how do i pay. Please remember i live in the Netherlands.Thanks to all of you for your advice and opinions as always it,s much appreciated.
It might be worth mentioning that if it is revealed that your sister's a liar and a thief the consequences could be worse than if she fesses/coughs up.
OP - back up a second or two. There's s much suspicion in this thread that the mob have made a noose and thrown it over the nearest lamp post before getting any answers.
That doc that you posted - it looks to me like a statement prepared by the executors of assets and liabilities in the estate. No solicitors involved because, frankly, on those figures there isn't enough money in the estate to warrant employing them. This could be why your sis is so anti the appointment of solicitors. If your and your siblings square up, the solicitors will have eaten all of that estate in about 2 months.
Back to the core question: did your dad have life assurance? You think he did, but why? How old was he when he died? DId he have an unoaid mortgage? Did he have direct dependants? Most people have life assurance to make sure that they don't leave huge debts (mortgage) behind for their dependants to have to pay. That statement you scanned doesn't say he owned a home, and you haven't said he owned one, so why would he have life assurance?
FWIW, most life assurance taken out is what's called term assurance: you pay a fixed premium per month for cover until you are (say) 65. You bank on having paid your mortgage off by then. You can get whole life cover, but it will usually get more expensive every five years or so: the insurer knows it will have to pay, and wants to get as much cover from the premiums as it can. It can get very pricey for an old guy.
Finally, funeral expenses cover is very common. It's a form of whole life cover but for a very modest sum, so the premiums are dirt cheap.
So you dad's bank statements should show who's whether he was paying life assurance other than for funeral expenses up to the date of his death? If you don't know, because you can't see them, ask yourself this: why would you Dad have been pouring cash into life assurance when he died?
FWIW, my Dad (retired, mortgage paid off) died a couple of years ago. I was amazed at how limited his outgoings were. He had long since dispensed with life assurance because he didn't need it once the mortgage was paid off. He had funeral expenses cover for £4k (funeral parlours will extract more than that from you, btw; they are utterly shameless and exploitative) and that was it.
Just explain t you sis your concerns, and ask to see the last six weeks of your Dad's bank accounts. Getting solicitors involved will cost you a ton for potentially no reward.
Either the OP's Dad had life assurance policies at the date of his death, or he didn't. That's the only question. The rest - what you refer to - won't create policies where there were none.
Personally, I'd be surprised if someone who had an unresolved asbestos claim at their death was able to get life assurance cover. But perhaps we shall see.
After every post on this thread I can't help hearing the Eastenders theme tune...doof doof doof....