Yeah definitely!! I mean I looked at my Dad and thought he was indestructible and then unfortunately what happened happened and there was nothing anybody could do. He was 70 and his brother and dad passed away between 45/50 so he did well considering. They all passed with the same thing too. Aww what a wonderful thing he did for you making sure you were ok and that u could buy your own home 🏡. I know it doesn’t compare to having him back though. Xx

@nikki90xx ah right I see. Yeah the tell us once service is good to notify all the government side of things. I'm assuming your Mum and Dad will have joint bills for things like water and gas/electric? In that case it should be easier to basically take your Dad's name off it and have just your Mum as it's not like your closing them down. Fingers crossed it all goes smoothly for you. Your Mum is so lucky to have you! I didn't even know about my Dad's cover for the mortgage or his work pension it was a total shock. All I knew from what he told me was that everything was being left to me including the house and his motorbike lol which I had no use for so had to obviously sell it 😩 and that he wanted me to buy a house and possibly a car when the house managed to sell which is what I did. Lots of people have said to me that I'm so lucky to have a house mortgage free at my age (30 next month) which yeah I am and I'm so grateful to my Dad obviously but my reply is always the same "I would rather live in the 2 bed rented flat and have my Dad back than have my own house". Thank you, it will be 5 years in October 😥 he only was 53. I admit it's still hard now, some days more than others. I always imagined him getting old and me having to do his shopping and take him places lol and not forgetting all the memories we are all missing out on xx

When my Dad passed away he had a mortgage and it was paid off fully by the bank with whatever the cover was that he had with it, so you could check what cover he had? He also had a work pension which I never even knew about until his work told me! Like Vix said his bank account will be frozen until probate. With my Dad's he had just over £1000 in it and I managed to pay off the funeral in full and put a couple of hundred in cash towards it. I never realised how much paperwork etc is involved, it overwhelmed me. I panicked thinking "have I told everyone he's gone?!" for like 2 weeks afterwards because I didn't want bills and that to come back to me because I was the sole inheritor of everything he owned. Luckily he owed no money for anything and was on UC due to having to stop working because he had his leg amputated and cancer. I ended up getting about 10 death certificates. There was water, gas/electric, mortgage, council (he was in a council flat, he was trying to sell his house at the time to buy a flat because he couldn't use stairs etc), council tax, driving licence, bank account, pension, tv licence, talktalk (internet and phone line), tesco mobile (as he was on a contract). Some accepted copies but others wanted the real ones so just check with people when you call so you know you will get enough xx

With the UC your mum may be able to claim for an advance payment from UC once her claim has been accepted, she will have to pay it back in small amounts which will be deducted from her UC payments but without interest. You could contact the citizens advice bureau for some more advice , did your mum receive a booklet before she left the hospital as it has some advice in there regarding finances. So sorry hun , also while we are on topic of finances your mum may be able to apply for help towards funeral costs once her UC account is in place, they can cover a rather large amount of fees which can be helpful in such hard times so do look into that through your local council xxx

When my grandad passed, my Nan was put on a widows pension she gets half my grandads state pension and private pensions, aswell as her own, because your mom is now on her own she will get council tax reductions etc, I’m not sure about anything else.. erm.. because your moms not state pension age i imagine it will just be UC see if she can have her housing paid for her.. phone them and explain the situation see if there’s anything that can help her, so sorry for your loss again I hope you’re all ok xxx