Jamie Murray
Jamie Murray
2023-01-28
Quality fast and reliable service with a cracking bunch of lads definitely recommended
Bill Mitchell
Bill Mitchell
2021-09-14
Contracted this company to clear the flat of my deceased mother. Two young guys cleared EVERYTHING out of the rented property, including furniture, carpets, ornaments, white goods and food/household products, politely, efficiently, and respectfully. Excellent service.
Charles winter
Charles winter
2021-05-21
The guys from Northern House Clearance have just cleared a house for me in Scotland. The house was packed not only with a lifetimes worth of memories, but all the clutter that goes with it. Within 2 days it was emptied down to the floorboards. A great job from a good team of lads. Highly recommended.
Graeme hatton
Graeme hatton
2021-02-24
An excellent 5 star service. Firstly the compassion shown due to the circumstances which resulted in having to use their services, not just on the phone but by the team who arrived, on time, to perform the job. Above all a friendly attitude goes a long way in stressful times. Professional from the start to the end of the day and due to the amount of clutter a second day was needed. I could not believe how much was cleared in just one day, it was as if the clutter had it's own clutter to clear. Hope that I never need to use them again, but if I have to clear another property they will be the only people that I call. Highly recommend them. G.Hatton. Cheshire.
Lorna Hamilton
Lorna Hamilton
2021-02-05
Fantastic service. Highly recommend. The team was so helpful.
Richard Foster
Richard Foster
2020-11-26
The guys from Northern house clearing cleared my deceased brothers house which was in a state. They were very discrete and great guys very understanding at such a sad time. Great job guys thank you.
Xiu Yun Chen
Xiu Yun Chen
2020-11-25
This is a good company would highly recommend these guys. Very efficent and helpful.
Laura
Laura
2020-11-05
Highly recommended. From my initial enquiry I found them to be efficient and professional and was given an immediate quote. On the day the guys arrived promptly and were friendly, helpful and thorough. I would not hesitate to use this company again and I would recommend to others. I felt in good hands and I, m very happy with the service I received.
Ruth Lawrence
Ruth Lawrence
2020-08-22
The team arrived bang on time and began work immediately. They continued for five solid days and completed the entire clearance of my late uncles house, which was a case of extreme hoarding over many decades. They even removed carpets, curtains and swept up so the house was ready for sale. They were exeptionally hard working, polite and charged a reasonable price for this incredibly difficult job. Terrific service, absolutely recommended.
Online Antique Appraisals And Valuation

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we suggest you use The Antique Appraisal Company.

All valuations are conducted in accordance with HMRC guidelines and fully guaranteed against rejection.

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Probate Valuation Of Chattels: Dealing With An Insolvent Estate

If the deceased’s debts are larger than the assets, then the estate is insolvent. If the estate is insolvent, not all the creditors will get what’s owed to them. Nevertheless, as an executor or administrator, it is up to you to make the best of a bad situation. If there is any doubt, you can always hire or consult a solicitor.

In cases of estate insolvency, you don’t simply pay out to the creditor that is the most persistent. You are bound by Act of Parliament to pay the debts in a certain order:

1. Mortgage

The lender will insist that the property is sold to repay the mortgage. The lender is known as a secured creditor.

2. Tax Authorities

If the deceased owed money to the tax-collector (such as VAT), then this has to be paid next.

3. Other Creditors

These are also called unsecured creditors. These debts can include credit cards, personal loans, and utility bills. Work out what percentage of all the debts can be met from the proceeds of the estate. Then offer creditors an equal percentage. If the debts are over £40,000 and the money available is just £20,000, offer all creditors 50% of their money back.

Where an estate is clearly insolvent you may decide not to bother applying for grant of probate or letters of administration. Instead, you can leave it up to the deceased’s creditors to apply for letters of administration – it will then be up to them to do the legwork.

Selling the Assets to Pay the Debts

Only sell anything of the deceased’s after you’ve explored all other avenues of raising the necessary cash. The will should give you full rights to dispose of the deceased’s property as you see fit.

You may need to sell the deceased’s assets for a number of reasons, including paying for the funeral, meeting creditor’s demands, or paying the IHT bill.

Discuss with the other executors which part of the estate should be sold so that the deceased’s wishes can most closely be met. Don’t just pick just one beneficiary and start selling off their gifts while leaving every one else’s intact, unless of course you have their consent.

You must try to get the best possible price for the deceased’s estate. If you fail to do so, then the beneficiaries may have a case to sue you.

Get three written quotes for the items you sell. Accept the highest and keep all three quotes on file, just in case someone checks that you got the best possible price.

Tracking Down Beneficiaries

Whether you’re administering an estate according to the terms of a will or the law of intestacy, you may encounter difficulty tracking down a beneficiary. After all people are more mobile than ever before.

From a legal perspective you are duty bound to make certain efforts to track down a beneficiary.  As with tracking down creditors, advertise in the London Gazette (England & Wales) or the Edinburgh Gazette in Scotland, or the Belfast Gazette in Northern Ireland, plus in the deceased’s local paper.

If you don’t have any luck try the following:

If you have a rough idea where the beneficiary lives, try advertising in their local newspaper

The web site www.192.com has a people finder function, which for a fee, allows access to the electoral register database

If the beneficiary has an uncommon name you may be able to find them by typing their name into a search engine (e.g. Facebook)

Try www.titlesearch.com, this site can help trace missing heirs or next of kin

If the inheritance is substantial, hire a private detective who is used to track down missing people.

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Online Antique Appraisals And Valuation

For those NOT requiring a full house contents valuations,
we suggest you use The Antique Appraisal Company.

All valuations are conducted in accordance with HMRC guidelines and fully guaranteed against rejection.

Start Your Probate Valuation Now - Online Probate Valuations