Understanding PROBATE - Probate Guide & Probate Forms€¦ · Is Probate always necessary Probate...
Transcript of Understanding PROBATE - Probate Guide & Probate Forms€¦ · Is Probate always necessary Probate...
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PROBATEUnderstanding
Your guide to the Probate Process
020 8150 2010
www.iwcprobateservices.co.uk
Prepared by:
For help and advice:
IWC Estate Management & Planning Ltd
020 8150 2010
Losing a loved one is difficult enough
without having to go through the
process of Probate as well.
This guide will help you to understand
and guide you through the process.
This guide is not intended to be
complete instructions it is an
outline of the process and cannot be
considered or used as legal advice.
This guide assumes the funeral has
already taken place, this is because
typically the funeral has been dealt
with before family members think
about Probate.
Your guide to the Probate Process
This guide will help you to understand and guide you through the probate process.
Before you start
Before you begin, you need to determine if this
is something you want to undertake. Whether
you are an Executor or the Next of Kin you
do have choices as to whether you wish to
act. You could decide to act but still engage a
professional to help you. Most professionals
will agree to take their fees from the estate
assets at the end as opposed to insisting that
you pay in advance. This guide has been written
by IWC Probate Services (IWC), we will help
you deal with probate without charging you in
advance. In addition, our fees are fixed and are
agreed in advance. For further information call
020 8150 2010.
Responsibility & liability
There is a lot of responsibility and liability
taking a probate matter forward. In addition,
you must keep all papers for 12 years. If you
distribute wrongly you could become personally
liable. Professionals have insurance for this
type of situation. Other options to deal with
probate apart from dealing with the matter
completely by yourself are of course engaging a
Solicitor. If you are an Executor and you do not
wish to be involved at all you can elect to sign a
deed of renunciation. This means you renounce
probate and can walk away. It is important to
note this can only be done at the beginning
before you get involved. Once you get involved
you may have intermeddled and then you
cannot walk away. For more information on a
deed of renunciation please visit our main web
page at: https://www.iwcprobateservices.co.uk/
probate-deed-of-renunciation/
“Great service very informative and excellent communication.”
Two thirds of people appoint a
professional to help them with probate
and common reasons include:
Personal Reasons:
Not having enough time, confidence or they
simply do not wish to deal with the paperwork.
Concern about making a mistake and being
personally liable.
Concern about being the central figure in
the estate and having to answer to all the
different questions from family members and
authorities.
Practical Reasons:
Speed, professionals usually complete the
process much more swiftly.
The estate is intestate (no will) and usually
more complex.
There’s a dispute.
The estate’s insolvent.
There’s an inheritance tax bill.
There’s a deed of variation required.
The Will’s invalid.
The terms of the will are unclear.
The deceased inherited within two years.
The deceased owned a business.
The deceased owned property abroad.
What is ProbateProbate is the process of dealing with a
persons estate when they have passed away.
There are typically two main types of Probate,
firstly there is Probate where the deceased
person made a Will, this type of probate
application is an application for a Grant of
Probate and is carried out by the Executors
appointed in the Will.
The second type of probate is where the
deceased person did not make a will. This is
carried out by the closest next of kin and
is referred to as applying for Letters of
Administration. If you are unsure who is the
closest next of kin speak with Fleetwood Heir
Hunters who will be able to build a family tree
for you: fleetwoodheirhunters.co.uk.
The end result for both types of the Probate
certificate are virtually identical nowadays.
Prior to 2019 the probate documents did look
very different, most typically because one of
them had a Will attached.
From 2019 onwards the Probate registry
dispensed with the process of adding a copy
of the Will to the Probate, so before sending
the Will to probate make sure you keep a copy.
We will use the term Probate throughout this
brochure, when we do we are referring to
both types of probate administration, either
with a Will or without a Will.
A quick recap: A Probate application
supported by a Will is known as applying for
a Grant of Probate, where there is no will the
procedure is known as applying for Letters of
Administration.
“Its easy to see why people
seek professional help
when dealing with Probate,
Call IWC on 020 8150 2010
for impartial help & advice.”
Is Probate always necessaryProbate is not always necessary when a person
dies, it really depends on the assets that they
leave behind. If a person owns a property in
their sole name then probate will definitely
be required. If not, it depends on how much
money they have in the bank, overseas or may
have given away.
Every bank has its own policy on how much
they release and to whom before they insist
on probate. If there is a Will and the Executor
is a spouse then it is likely the bank will have
a higher limit before they insist on a probate
application being necessary.
You need to check with the deceased person’s
bank on their requirements. Enclosed in this
guide is an example of a letter you can send to
a bank to ascertain how much they are holding
and what their requirements are to release
the funds.
Understanding the probate
process
If you have decided to undertake the task
yourself there are primarily five key stages of
Probate, typically these are known as:
The collation of the estate
The completion of the Inland Revenue forms
The Probate Application
The Estate Collection
The Estate Distribution
This guide details the key stages and will give
you an indication of how long each one should
take. Where estates have multiple properties,
businesses, overseas assets, contentious
matters or other complexities our timescales
will vary considerably.
These types of estates are beyond the scope
of this introduction and should not be handled
by the lay person. If any of these apply to the
estate you are dealing with then please call our
Probate Department on 020 8150 2010. If you
instruct us to deal with the estate we will issue
a full refund of this pack.
At varying stages along the way, it is advisable
to keep affected people aware of what
is happening however you are not legally
obligated to do so. Having said that sometimes
giving people too much information can have
the opposite effect.
Delays are common place when dealing with
probate administration, these can be minimised
by keeping a diary of what is happening and
when you have dealt with certain aspects.
Remember arguments amongst family members
often happen when bereavement occurs this
is why it is sometimes better to consider the
outsourcing the work.
“Steve went above and beyond to assist us, I’d recommend using IWC to
anyone.”
1st Key Stage – The
collation of the Estate
This is a fact finding task, you need to collate
all of the papers belonging to the deceased.
In cases where the funeral invoice has not yet
been settled you must contact the funeral
director to confirm that you are administering
the estate and arrange for them to send the
invoice directly to you. Once received, this can
be sent directly to most financial institutions
holding the deceased’s money for payment.
Banks and buildings society’s will release this
money directly to the funeral director upon
presentation of the funeral invoice prior to
completion of probate.
There are several key factors that are very
relevant and you need to know the answers
because they will influence the probate
application:
1. Did the deceased person give away any
assets in the last seven years?
2. Did the deceased person make any changes
to a Pension in the two years before death?
3. Did the deceased person benefit from any
Trust?
4. Did the deceased person have any assets
outside of the United Kingdom?
5. Does their estate exceed the Nil rate band, if
yes, is a Transferable nil rate band available and
or is a Residence Tax allowance available?
“Absolutely A1 service all way through from start to finish. Very prompt
replies to my emails. Always kept me updated at all times. I would
definitely recommend.”
“Its easy to see why people
seek professional help
when dealing with probate
matters - Call IWC Probate
on 020 8150 2010 for
impartial help and advice.”
Letters should be sent to companies including
both asset and liability companies i.e. banks
and credit card companies, utility companies
Pensions companies, Life Insurance companies
and of course government departments such
as the Department for Works and Pensions, and
the Inland Revenue in order to ascertain the
information listed above.
When administering an estate it is necessary to
deal with the tax affairs of the deceased, you
will need to know details of any income received
in the last tax year including dividends, salaries
or pension payments. You will therefore need to
write to share registrars, employers, pension
providers, building societies and or accountants
as necessary.
All of this information is required in order to
move on to stage 2 of the administration process.
Every probate case varies and the institutions
will be different from one organisation to the
next. Typically however you should expect these
companies or institutions to reply within six
weeks to eight weeks. However, we would suggest
if you have not heard within four weeks that you
write again. In week nine you should endeavour to
move on to Stage 2.
You should open an estate account at the bank
which all estate funds should be placed. This will
help with separating, itemising and distributing
estate money. Some banks make this especially
awkward if you have not yet obtained Probate.
“Fantastic help , friendly kind I am so happy with the help provided in
this difficult time for me. I do recommend them. Thankyou so much for
the kind help.”
2nd Key Stage – The
Completion of the Inland
Revenue Forms
You should now review the financial information
gathered from the various institutions and
ensure that the estate is solvent and there are
sufficient funds to pay the estate debts and
pay any pecuniary legacies (if there is a Will).
lf this is not the case, you will need to look at
ways to resolve this problem.
You now need to complete the relevant
inheritance tax form, even where no
inheritance tax is payable it is still necessary
to submit information to the Inland Revenue
about the assets and liabilities of the estate.
If the estate is subject to inheritance tax,
you really need to take professional advice.
Estate’s which are subject to inheritance tax
are beyond the scope of this guide. If you
do wish to continue you should arrange for
payment of inheritance tax from one of the
assets.
This payment needs to be made before you can
apply for probate. Probate will only be granted
when the Inland Revenue have issued a stamped
form IHT421.
If inheritance tax is not applicable the form
you will require is named IHT205. This form is
enclosed within this guide however the process
is simpler if you complete the application online
here: https://www.gov.uk/applying-for-probate/
apply-for-probate
If you do not complete the process online you
will also need to complete form PA1 which is
the personal application form. If the estate
you are dealing with is valued at over £325k
and the person who died was widowed you can
also complete form IHT217 in order to claim
the transferable nil rate band of the first
person to die. Once again, it is advisable to seek
professional help if you need to.
“The service and treatment received have been excellent.”
Once you have completed the required form
(IHT205) you send this along with form PA1 and
any relevant Power Reserved form and form
IHT217 and the required fees to the relevant
probate registry. Power reserved means that if
there is more than one Executor and you only
need one to act the other Executor(s) can be
held in reserve. We have a complete kit for Power
reserved which includes the necessary forms to
notify the other Executor that there power is
being reserved. If you are going to Power reserve
someone, to save arguments in the future, please
use our kit as this will safeguard you from any
issues, please visit here for more information:
https://www.iwcprobateservices.co.uk/probate-
power-reserved-pa25/
When making your application is advisable to
also apply for sealed copies of the grant. Sealed
copies are what will need to be sent to the banks
and other financial institutions. Sealed copies,
at the time of writing, only cost an additional
£0.50p each. Obtain at least one sealed copy for
every organisation you have had to write to. This
speeds up the overall process.
If inheritance tax is due the forms listed above
will not be relevant. You will need to look at the
forms IHT400 and all of the supplementary forms.
Once completed these must be sent to the Capital
taxes office (Inland Revenue). Note inheritance
tax accrues interest if it not paid within six
months from the end of the month that the
person died in.
“Excellent service, professional and quick.”
3rd Key Stage - The
Probate Application
Invariably the 3rd Key stage is outside of your
control and can take three months. This is
dependent on the courts and where inheritance
tax is applicable, the Inland Revenue. The
Inland Revenue will make an initial check of
the application before issuing the signed form
necessary to complete the probate application.
Often where a property is concerned this can
involve another valuation with the district
surveyor.
Assuming the estate you are dealing with is not
an estate where tax is due, the Probate Courts
will write to you and send a statement of truth
for you to sign. The statements of truth were
introduced in 2019 and replaced the need to
swear an oath.
Every application for a Grant of Probate or
Letters of Administration must be supported
by a statement of truth signed by the acting
Executors or Personal Representative. This
is to establish your right to the Grant and
confirms the value of the estate that will be
dealt with under the authority of the Grant.
Having the correct figure here is essential as
if this is too low you may not be able to sell any
property or cash in any assets, too high and
you may be paying too much tax and may need
to file a corrective account with the Inland
Revenue. The Statement will be prepared by
the court.
Generally once you have returned the
statement of truth we would expect that
provided there are no delays and no caveats
have been filed against the estate probate
should be granted within four weeks. If a
caveat has been filed against this estate this
means that someone is disputing the Will or
distribution of the estate and you really need
professional advice. Call us on 020 8150 2010,
we may need to direct you to a Solicitor for
further advice.
4th Key Stage - The Estate
Collection
Once Probate has been granted you can then
begin the estate collection phase. This again
involves writing to all of the asset holders,
sending them the sealed copy of the grant and
asking them to pay out or transfer the assets
“It took even less time than expected. We were very pleased with how
everything was handled.”
as applicable. Ideally you should consider
gathering the estate into an estate bank
account as this will make the collection easier.
Now that you have probate most banks will let
you open an estate account.
Statutory advertisement (known as Section
27 notices also known as Trustee Act notices)
should be placed into the London Gazette
and a local newspaper to where the deceased
lived these notices invite creditors and other
claimants to make a claim against the estate.
There are potential claims under family
provision legislation which must be made by
the claimant within 6 months from the date
of the Grant of Probate and so we advise that
the Executors delay distribution until after this
date
These advertisements also give other potential
creditors two months from the date of the
advertisement to make a claim against the
estate.
You should now complete the tax returns
for the period from the 6th April to the
date of death, together with income tax and
capital gains tax forms for the period of
administration (See Tax Section below). If
stocks and shares are being transferred; you
should now complete the necessary transfer
forms.
You should now inform the estate agent and/or
conveyancing solicitor that probate has been
received and that the sale of any property can
proceed.
If the estate is subject to inheritance tax,
you will need to apply for the inheritance tax
discharge certificate.
The timeframe for this stage is dependent
upon the response time from the companies
involved. Depending on the response from
Inland Revenue and the asset holders, this
stage will normally take between eight to ten
weeks.
“IWC were able to answer all questions and adapt to changing
circumstances on a particularly tricky matter and offer a solution that
worked for our clients.”
5th Key Stage - The Estate
Distribution
Ongoing throughout the administration,
you should prepare and update complete
estate accounts. The final stages of estate
administration involve finalising the estate
accounts and sending them to other executors
or administrators or other beneficiaries as
necessary. You must obtain their approval prior
to any distribution.
Once the estate accounts have been confirmed,
accepted and returned you can then begin the
distribution of the estate. In order to protect
the executors/administrators bankruptcy
searches and Identity checks should be carried
out on each beneficiary. Under the Proceeds
of Crime Act 2002 and the Money Laundering
Regulations 2003 you are obliged to have
procedures in place to verify the identity of all
executors or administrators and beneficiaries.
Where a bankrupt has been identified no
monies for that particular beneficiary will
be payable. In that instance you will need to
make contact with the bankruptcy court as
necessary.
This is an essential part of the process and
should not be overlooked. Family members or
other beneficiaries maybe too embarrassed
to tell you that they are made bankrupt. They
may think they will receive the money then get
themselves out of bankruptcy, do not run this
risk especially if they live overseas. You will
become personally liable if you pay them. Call
us for advice on 020 8150 2010. We can carry
out a bankruptcy search for those overseas
visit: https://www.iwcprobateservices.co.uk/
overseas-bankruptcy-search/
You should obtain receipts from all
beneficiaries for both pecuniary legacy and
residual legatees. This stage of the process
generally takes about four weeks.
Once all bills have been paid, all estate
claims settled, accounts signed and the
beneficiaries have received their inheritance
the administration process is complete all of
the papers should now be archived for the
statutory 12 years. If you need help with
this let us know as we are able to provide a
document archive solution.
“All good. Saved me a lot of stress at a difficult time.”
TaxInheritance Tax
An estate liable to inheritance tax will
normally take several months longer, and
sometimes years longer, to wind up than a
non-taxable one.
Whether an estate is taxable, and if so the
amount payable, can depend on a number of
factors including whether the deceased:
- had assets worth more than the nil rate
band
- was widowed and their deceased spouse or
civil partner left their estate to them
- the administration has taken place within
two years of the death
- owned assets outside of the UK
- had an interest under a trust or settlement
at any time during the seven years prior to
death
- had made lifetime gifts.
The executors must fully investigate these
points.
There are numerous inheritance tax
exemptions and reliefs. In general, taxable
lifetime gifts would be those made not more
than seven years before death, certain small
gifts made each tax year being disregarded.
“Its easy to see why
people seek professional
help when dealing with
Inheritance Tax - Call IWC
on 020 8150 2010 for
impartial help and advice.”
Tax Delays
en to:The inheritance tax position of an estate is
dealt with by a specific department in the
Inland Revenue also known as the Capital Taxes
Office (CTO). Delays in winding up a taxable
estate may be due to the time taken to:
- obtain final clearance from the Capital Taxes
Office (CTO);
- negotiate asset values with the CTO, because
some asset values cannot be fully determined
at the date of death;
- agree the income tax/capital gains tax
position at the date of death.
e.
Income Tax and Capital
Gains Tax of the Deceased
Income tax and Capital gains tax returns for
the estate will need to be declared and these
may also affect Personal Representatives and
Beneficiaries.
Information needed:
As you may appreciate, the executors are
obliged to account to the appropriate
Inspectors of Taxes for income received
and capital gains made during the period of
administration. They also need to provide
certain information to that Inspector for each
residuary beneficiary who receives income
from the estate, including his full name and
address, tax district, reference and national
insurance number.
“I cannot praise this company highly enough. They have helped me to
solve a problem so efficiently and professionally yet with a personal
touch .”
Distributing income during
the administration period
The income which is received from an estate
counts towards the person’s total income for
the purpose of calculating whether they pay
income tax and, if so, whether at the basic
rate or the higher rate. Under the present
income tax regime as it affects Executors
and beneficiaries, it is important (so far as
practicable) for the Executors to distribute
income to the appropriate beneficiaries
within the tax year in which it arises. Failure
to do this by accumulating income may cause
‘bunching’ of a beneficiary’s income in a given
tax year, incurring an avoidable higher rate tax
liability. The risk of this occurring will depend
on whether, in a given tax year, a beneficiary’s
existing income and the amount of income from
the estate to which he is entitled places him
close to the higher rate income tax threshold.
Advice to beneficiaries
receiving income during
the administration period
A beneficiary should, whenever receiving a
distribution of income (weather as part of
a distribution comprising capital as well)
receive an income tax deduction certificate
form R185E. They should immediately send it
to their tax adviser, if any. Failing this, if they
complete an annual tax returns or claims, they
may either send the form to their inspector of
Taxes immediately, or when next submitting a
tax return or claim, declaring the net income
received in the appropriate section of that
return or claim form.
Tax
ProbateThe Estate of
No. Overview of Probate Notes
01. Register the death and obtain Death Certificate.
02. Attend to the funeral, burial, cremation, etc.
03. Find Will or establish who is entitled under intestacy.
04. Establish who the personal representatives are.
05. Obtain the requisite forms.
06. Secure the house and/or property; insure the house, car and other valuable property.
07. Organise for valuing assets; keep financial records. Open executor’s bank account.
08. Write to financial and business organisations.
09. List the deceased's assets and liabilities. Is probate necessary?
10. Is the estate worth more than £325,000?
11. Fill out probate forms.
12. Attend the Probate Registry.
No. Overview of Probate Notes
13. Pay Inheritance Tax at time of application and arrange for instalments payments.
14. Receipt of probate.
15. Send copies of probate to financial institutions.
16. Advertise for creditors if necessary.
17. Respond to any queries from HMRC.
18. When assets are collected, pay liabilities.
19. Request HMRC Income Tax return or repayment form.
20. Ask HMRC for IHT30- clearance certificate.
21. Check that no potential claims under Inheritance (Provisions for Family & Dependants) Act 1975..
22. Prepare estate accounts for approval.
23. Once all liabilities paid, distribute legacies and residuary estate. Obtain receipts.
24. When cheques cleared, close executor’s account.
25. Administration of the estate is now complete. Keep accounts for 12 years.
Understanding the Intestacy Rules will help you ascertain who inherits the Estate if the deceased died intestate (no Will).
Surviving relatives in
order of priority
Where spouse survives intestate by
period of 28 days
Where no surviving
spouse
Children. Spouse takes
1. All personal chattels
2. £250,000 net free of inheritance
tax and costs, plus interest at Bank of
England base rate at date of death 3.
Half of remainder estate over statutory
legacy absolutely.
The children take the other half of the
remainder of the estate absolutely on
the statutory trusts.
All to the children on the
statutory trusts
If no children survive but
Parents.
Spouse takes all the estate where no
other ‘descendants’
All to the parents (in equal
shares if both survive)
If no children or parents
survive but
Brothers and/or sisters
of the whole blood
(Including the children
of any such brothers or
sisters who predeceased the
intestate)
Spouse takes everything. All to the brothers and sis-
ters and children of prede-
ceased brothers and sisters
on statutory trusts.
If no full blood siblings
but -
Brothers and/or sisters
of the half blood
(Including the children
of any such brothers and
sisters who predeceased the
intestate)
All to the surviving spouse absolutely. All to the half-brothers and
half- sisters and children of
predeceased half-brothers
and half-sisters on the
Statutory trusts.
If no siblings but –
Grandparents
All to the surviving spouse absolutely. All to the grandparents (if
more than one, equally)
If no grandparents but -
Uncles and/or aunts of
the whole blood (including
the children of any such
uncles or aunts who
predeceased).
All to the surviving spouse absolutely All to the uncles and aunts
and children of predeceased
uncles and aunts on the stat-
utory trusts.
If no full blood uncles/
aunts-
Uncles and/or aunts of
the half blood
(Including the children of
any such uncles or aunts
who predeceased).
All to the surviving spouse absolutely. All to the half uncles and half
aunts and children of prede-
ceased such uncles and aunts
on the statutory trusts.
No relative in any of the
above classes who attains
an absolute vested
interest.
All to the surviving spouse absolutely. All to the Crown, Duchy of
Lancaster or the Duke of
Cornwall.
Intestacy Rules from 1st October 2014
NB. Whatever the size of the estate, no kin more remote than children of brothers/sisters of the whole blood take any interest in the estate where
the deceased left a surviving spouse.
Intestacy Rules from 6th February 2020
Surviving relatives in
order of priority
Where spouse survives intestate by
period of 28 days
Where no surviving
spouse
Children. Spouse takes
1. All personal chattels
2. £270,000 net free of inheritance
tax and costs, plus interest at Bank of
England base rate at date of death
3. Half of remainder estate over
statutory legacy absolutely.
The children take the other half of the
remainder of the estate absolutely on
the statutory trusts.
All to the children on the
statutory trusts
If no children survive but
Parents.
Spouse takes all the estate where no
other ‘descendants’
All to the parents (in equal
shares if both survive)
If no children or parents
survive but
Brothers and/or sisters
of the whole blood
(Including the children
of any such brothers or
sisters who predeceased the
intestate)
Spouse takes everything. All to the brothers and sis-
ters and children of prede-
ceased brothers and sisters
on statutory trusts.
If no full blood siblings
but -
Brothers and/or sisters
of the half blood
(Including the children
of any such brothers and
sisters who predeceased the
intestate)
All to the surviving spouse absolutely. All to the half-brothers and
half- sisters and children of
predeceased half-brothers
and half-sisters on the
Statutory trusts.
If no siblings but –
Grandparents
All to the surviving spouse absolutely. All to the grandparents (if
more than one, equally)
If no grandparents but -
Uncles and/or aunts of
the whole blood (including
the children of any such
uncles or aunts who
predeceased).
All to the surviving spouse absolutely All to the uncles and aunts
and children of predeceased
uncles and aunts on the stat-
utory trusts.
If no full blood uncles/
aunts-
Uncles and/or aunts of
the half blood
(Including the children of
any such uncles or aunts
who predeceased).
All to the surviving spouse absolutely. All to the half uncles and half
aunts and children of prede-
ceased such uncles and aunts
on the statutory trusts.
No relative in any of the
above classes who attains
an absolute vested
interest.
All to the surviving spouse absolutely. All to the Crown, Duchy of
Lancaster or the Duke of
Cornwall.
NB. Whatever the size of the estate, no kin more remote than children of brothers/sisters of the whole blood take any interest in the estate where
the deceased left a surviving spouse.
Distributing an Estate
Under Intestacy?
If you are dealing with an estate that must
be distributed according to intestacy then
you may need help calculating how the estate
should be divided. Do not rely on family
rumour or supposition, a family tree should be
checked and the expense is a legitimate estate
expense. With second marriages and broken
families many people call their family brothers
or sisters even though they may not actually
be siblings. Fleetwood can help you work out
the tree correctly and help provide a complete
distribution schedule.
Intestacy? Who is the next
of kin?
Although it may seem obvious who the official
next of kin is, and in many cases it is, mistakes
can be made. Families can be disjointed in
addition, a person may declare their close
friend as their next of kin according to the
Doctor or the Hospital but this can cause even
more confusion. Fleetwood will help you to find
the rightful and correct administrator. .
Call Fleetwood for instant help or impartial advice...020 8970 7486
Email: [email protected]
Visit: www.fleetwoodheirhunters.co.uk
Assuming you have read
this through as opposed
to jumping in, you can now
begin however if you would
like assistant call us free of
charge on 0800 612 6105
alternatively our land line
number is 020 8150 2010.
We will give you a full refund
of this pack if you decide
to instruct our probate
department to assist you.
Did you know that we also
provide the following services:
Probate
Wills & Estate Planning
Overseas Probate
Inheritance Tax Planning
Medallion guarantee
Funeral planning
Overseas Bankruptcy Searches
Share Valuations
House Clearances
Valuation of Chattels
Whats next
Call us for instant help or impartial advice...020 8150 2010
Email: [email protected]
Visit: www.iwcprobateservices.co.uk
IWC Estate Planning & Management Ltd. Regulated by the Society of Will Writers & Estate Planning Practitioners.
Registered Office: Suite 43-45 Airport House, Purley Way, Croydon, CR0 0XZ. Registered in England No. 04532330
Head Office: Suite 3, 9-13 Bocking End, Braintree, Essex CM7 9AE