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.
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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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House Contents Probate Valuations: Debts When Someone Dies

Although initially it may not be at the forefront of your mind when a loved one dies, making sure their financial life is in good order when their biological life ends is an important thing to remember. Unfortunately, debts are not written off when someone dies.

The first thing you must do if you desire to take control of the estate of an individual is go through the process of probation. Put simply, when applying for a grant of probate, you are asking for permission to distribute the assets of the person who has died the way their Will dictates. When you fill in the probate forms, you must list the details of all the deceased person’s assets and all their debts. Any Inheritance Tax due will have to be paid before probate is granted. All other debts can wait until after probate.

If granted, the person who is managing the affairs must use the deceased’s estate to take care of the debt. The priority order for this is as follows;

Secured debts – I.e Mortgages
Funeral costs and administrative fees of managing the estate
Unsecured debts – i.e credit cards, telephone bills

Of course, it is possible that there will not be enough money in the estate to cover all the fees. If this is the case then take advice from a probate specialist. They are likely to inform you where priority lies and inform creditors that the estate is insolvent.

Be aware that if you are the personal representative of the estate, it becomes your legal responsibility to distribute all funds as necessary. This can be slightly daunting and again, bringing in a probate specialist should take some of the weight off your shoulders.

There will be some who leave instructions in their will upon their death for the person they trust to conclude their mortal affairs. This is not always the case and the first thing you should do if you are left with outstanding financial dealings is organise. The deceased may have known exactly where their money was supposed to go and to whom, but without that knowledge it may present itself to you like headphones may after a prolonged session in the pockets of your running trousers.

Begin to go through the papers of the deceased and make a list of everything that is owed. A good place to start with this is, finding out whether a particular debt is an independent or joint debt. These are reasonably self-explanatory. A joint debt is a debt that two or more people are accountable for. An independent debt is a debt owned solely by the deceased. This is important because of the impact it may have on those still living. For example, in some mortgage agreements it is stipulated that the partner of the deceased will remain liable for the unpaid amount.

Once you feel you have full understanding of the scope of the outstanding debt of the deceased you must now pay it off.

The first thing to do with a joint debt is to check whether there is any insurance that can pay off the debt. With a mortgage, it is not uncommon to take out life insurance to pay off the remainder should one of the debt holders die. Make sure to check the small print of said insurance before any final decision is made. If there are joint debts the deceased took out without insurance, then your next port of call is to contact the lender. Go through the terms of the loan with them, if necessary, transfer all future bills to the name of the living member of the agreement. You should explain your situation to the lender should any of the repayments committals now be a problem. You may be able to re-negotiate terms for an easier conclusion. Finally, make sure no regular repayments are coming from the deceased’s bank account, as this will now be frozen.

With an individual debt, steps must first be taken to understand the scale of repayment necessary and also inform the lender that their customer is now deceased. Ask for a letter to be sent with the outstanding balance.

Although PPI may be the bane of your life in terms of cold calls, it is possible that it could be used to pay off an individual debt. Often PPI only protects against illness, but it is not unheard of for it to cover in the event of death also. It is worth checking.

Overall, the best course of action to rid yourself of this necessary evil as quickly as possible is to find out as much as you can about the situation the deceased was in upon their demise and let any lender know about the situation as swiftly as possible. Debts aren’t written off when someone dies, but follow this advice, and you are a step closer to laying the affairs of the deceased to rest with them.

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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