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We understand that this is a challenging period. Coping with the loss of a loved one while handling financial matters can be overwhelming. We're here to guide you through the necessary steps following a person's passing.
We know it's a difficult time when you lose a loved one, so we'll do our best to make this process as easy as we can for you.
Please notify us about the death to stop letters and telephone calls coming through until we receive the death certificate. Reach out to us through email at customersupport@bluestonemortgeges.co.uk or call us at 0800 368 1834. We would need the following information from you:
After obtaining the death certificate or the coroner’s interim certificate, you can register the death with us. We require the original death certificate or a certified copy. A “certified copy” is a photocopy of the original document verified by a solicitor, bank employee, police officer, judge, or other authorised individuals through their signature. Alternatively, when registering the death at the registry office, you can purchase multiple copies of the death certificate to avoid the need for certification of the original.
If the deceased had accounts with other financial institutions, you can immediately use the free Death Notification Service (DNS) to notify multiple organisations. For more details, visit deathnotificationservice.co.uk.
Participants in this scheme include:
– Nationwide
– Bank of Scotland
– Barclaycard
– Barclays
– Halifax
– Lloyds
– Santander
– NatWest
– Royal Bank of Scotland
A complete list of participating members is available on the DNS website.
The government also offers a “Tell Us Once” service, which allows you to report a death to most government organisations in one go. This service helps inform agencies such as HM Revenue and Customs (HMRC), the Department for Work and Pensions (DWP), the Passport Office, and the local council, making handling the deceased’s affairs simpler and more efficient. You can access the Tell Us Once service online, over the phone, or in person at a register office. For more information, please visit this site here.
Once we receive the death certificate, we will freeze the account for three months. This is known as a condolence grace period (while this is in place, it will not impact your credit file). You may decide not to require this service; our team will discuss this option with you. Usually, the mortgage will transfer to the name of the remaining owner. Sometimes, this is more complicated. If so, we will walk you through the options. Reach out to us through email at customersupport@bluestonemortgeges.co.uk or call us at 0800 368 1834.
We appreciate that some people will find it difficult to keep up with payments while probate is being resolved or you may have long affordability problems, our agents will discuss next steps and options.
Mortgage payments will remain due. However, we do not expect you to make payments for up to 12 months to allow time to obtain probate. We will cancel the direct debit paying the mortgage, which means the mortgage will fall into arrears. The Financial Conduct Authority requires us to write and tell you. You do not need to take any action when you receive these letters. Once probate is in place, the mortgage must be repaid.
Losing someone you love can be devastating, and it is only natural you may need additional support; there are free services that can help you cope with your loss.
You may hear or receive information that you need to familiarize yourself with. To help you with this, we have an explanation of legal terms used when dealing with a deceased person below:
Administrator – the person appointed to manage an estate when there is not a will or when the executor is unable or unwilling to act.
Asset – individual items of property, money or possessions that belong to the deceased.
Beneficiary – The person who is entitles to receive money or property from the will or intestacy
Confirmation of the estate – in Scotland, this is a legal document obtained by the court after death. It is the equivalent to the Grant of Probate obtained in England and Wales
Death certificate – This is the legal document given by the registrar when a person dies
Estate – These covers everything an individual owns, such as money, property, and possessions
Executor – this is the person named in the will, who carries out the wishes defined in the will
Grant of Probate – where there is a will, this document authorizes the person dealing with the estate (the executor) to follow its wishes
Inheritance tax – the tax paid to HMRC (HM Revenue and Customs) on the deceased estate
Intestacy – The term used when someone dies without making a valid will
Legacy, bequest, or devise – A gift in a will
Letter of administration – this is the official document that gives the personal representative the right to manage the estate when there is no will
Personal representative – The person responsible for dealing with the estate of someone who has died, either the executor or administrator
Probate – this refers to the legal right to deal with a deceased person’s affairs. It is sometimes called administering the estate
Will – A legal document that sets out what a person wants to happen to their assets after they die
Our lines are open
Mon-Fri 9:00am – 5:30am.
Calls may be recorded.
Customer Service numbers
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