Help and understanding from the Halifax and Bank of Scotland - Bereavement Advice
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1_318802-9_0108 28/1/08 13:14 Page 2
Bereavement Advice
Help and understanding
from the Halifax and
Bank of Scotland
t
d
(01/08)1_318802-9_0108 28/1/08 13:14 Page 3
Glossary of Terms
Unavoidably, we’ve had to use a number of technical terms in this booklet. This glossary is a useful guide.
W
Abbreviated Extract of Death Certificate
A document issued by the Registrar at the time of
Grant of Representation
This is what a person wishing to prove their right to
w
death registration (excluding cause of death and administer the deceased's estate must obtain. In
parentage details) and provided free of charge (in England, Wales and Northern Ireland, the two most
Scotland). common forms of grants of representation are
probate and letters of administration.
Administrator (Executor Dative in Scotland)
The personal representative if there is no will – or if Intestacy
there is a will and the named executors are unable to The condition of the estate of a person who dies
act. In Scotland the Executor Dative is appointed without having made a valid will. Losing
through the Courts. They will usually have to obtain difficu
letters of administration (confirmation in Scotland) Letters of Administration
know w
from the Probate Registry, or Sheriff Court/ In England and Wales formal permission and the legal
Commissary Office authorising them to deal with the right for the administrators to deal with an estate. We rec
estate. Known as a grant, it is issued by the Probate Registry.
We wi
Assets Liabilities
Debts or obligations. deal w
Property, securities and money belonging to a person
accoun
or organisation, which may be used for the payment Net Estate
of debts. urgent
The value of the estate after deducting tax, debts
Beneficiaries and funeral expenses. We wi
An individual, institution, trustee, or estate which Personal Representatives
receives, or may become eligible to receive benefits The individual or firm (for example, the bank or
under a will or on intestacy. solicitors) that deals with the estate, are usually the
Confirmation executors or administrators. They are responsible for
In Scotland this is what is required by a person paying all debts, taxes and expenses from the estate
wishing to prove their right to administer the – including the cost of the funeral – and for
deceased’s estate. distributing the estate to the beneficiaries.
Death Certificate Probate/Confirmation
A certified copy of the entry in the death register. The process of proving the will at the Probate or
The Registrar will be able to provide a number of Registry Office. It gives the executors a legal right to
certified copies or extracts to save you time when deal with the estate, and involves their formal
registering claims with any organisations such as promise to do so properly – as instructed by the will.
Insurance companies. In England the probate is filed with the will itself at
the main Probate Registry in London or at one of the
Deed District Registries in England or Wales.
A legal document relating to an asset, usually
involving property. Statutory declaration (England)
A formal statement made in a prescribed form
Estate witnessed by a solicitor or Commissioner for Oaths
The money, property and possessions of the person under the Statutory Declarations Act 1835.
who has died.
Will
Executor (Executor Nominate in Scotland) A legal document that gives instructions for what
The individual(s) named in the will by the person should happen to the estate of the person who has
who has died. They may have to obtain probate or died. It can also contain details of their wishes for
confirmation from the Probate Registry or Sheriff burial or cremation. It usually names the executors.
Court Commissary Office authorising them to deal
with the estate.1_318802-9_0108 28/1/08 13:14 Page 4
We'll do everything
to
we can to help
st
Losing someone close to you is a particularly
difficult and confusing time. It can be hard to
know where to start.
egal
. We recognise you will have a lot to do.
try.
We will help by making it as simple as possible to
deal with us, whether it is rearranging or closing
accounts, quickly providing funds to pay for
urgent expenses or giving you clear, simple advice.
We will do everything we can to help.
he
for
ate
t to
will.
at
the
hs
as
r
s.
11_318802-9_0108 28/1/08 13:14 Page 5
Contents W
Legal Matters What to do first 3 Wheth
friend
Registering the death 4 of pap
Probate, letters of administration and confirmation 5 Whilst
you ma
Financial matters 6 costs o
needs
The estate checklist 7 >See
Halifax and Payment of urgent expenses 8 There
Bank of Scotland deceas
Halifax and Bank of Scotland accounts 9 names
the est
Halifax accounts 10
or exec
Bank of Scotland accounts 11 also se
arrange
Accounts with other organisations 12 respon
offerin
Life assurance, insurance, pension, savings and investment policies 13
If there
Financial advice 14 the est
apply i
How to get the documents you need 15 appoin
admini
Your questions answered 16 admini
17 appoin
18 Office
What to do next 19 Here a
execut
Useful contacts 20
•Registe
21
21_318802-9_0108 28/1/08 13:14 Page 6
What to do first
3 Whether you are the next of kin, a close relative, •Dealing with urgent expenses. >See page 8
friend or executor, there will be a certain amount
4 of paperwork to complete to settle the estate. •Obtaining legal documents giving them power to
make and receive payments from the estate.
5 Whilst you are waiting for the estate to be settled, >See page 5
you may have to meet expenses such as funeral
6 costs or pay inheritance tax. Simply tell us your •Arranging the funeral and paying costs.
needs and we will explain what we can do for you. •Drawing up an inventory of the full assets of the
7 >See page 8 estate. >See page 7
8 There may be a will, expressing the wishes of the •Finding out if any money is due to beneficiaries
deceased concerning the estate. The will usually from pension schemes, life assurance policies and
9 names the person or persons who will administer so on. A pension or life policy does not always
the estate and this person is known as an executor form part of the estate.
10
or executor nominate (in Scotland). The will may
•If any trusts are created in the will, appointing
11 also set out specific wishes regarding funeral
trustees to protect the beneficiaries.
arrangements. The funeral director will take
12 responsibility for all the arrangements, as well as •Liaising with the HM Revenue & Customs
offering you guidance and advice. (completing any tax returns), Department of Work
13 and Pensions and others.
If there is no will, arrangements for the disposal of
14 the estate are provided for in a set of rules, which •Paying any inheritance tax.
apply in these circumstances. These include the
appointment of a person, usually a relative, to The laws on wills and inheritance can be complex.
15
administer the estate. This person is called an If you feel you need expert advice, contact a
16 administrator or executor dative (in Scotland) as solicitor or Citizens Advice Bureau. There is also a
17 appointed by the Sheriff Court/Commissary useful guide available called ‘What to do after a
18 Office. death’. This is available free of charge, from local
registration offices, social security offices, job
19 Here are some important steps an administrator or centres or Citizens Advice Bureau.
executor might need to take:
20
•Registering the death. >See page 4
21
31_318802-9_0108 28/1/08 13:14 Page 7
Registering the death Pr
ad
co
You’ll need to see your local Registrar within five When registering the death, you may want to When
days of the death or eight days in Scotland. The obtain several copies of the Death Certificate. The handlin
name and address of the Registrar can be found in cost increases if you need more at a later date and for Gra
the phone book under Registration of Births, you may find it useful to purchase a number of most c
Deaths and Marriages, or can be provided by a copies particularly if there are savings and are cal
doctor, hospital, or post office. investments held with several financial Admin
organisations.
When visiting the Registrar, take with you: The Gr
author
•Medical Certificate of Death.
posses
•Any certificate or document relating to any accord
pension or allowances, which the person was provid
receiving from public funds.
Some
•NHS medical card, if available. this fo
value o
•The person's birth and marriage or civil partnership lengthy
certificates, if available. grant t
You’ll be asked to give the Registrar some details the mo
about the deceased, such as date and place of compl
birth, occupation, address and date and place of Where
death. The Registrar will then record the death in small, t
the UK Register of Births and Deaths. The Registrar Scotla
will give you a Death Certificate and you may have
to pay a fee. If in an
solicito
41_318802-9_0108 28/1/08 13:14 Page 8
Probate, letters of
administration and
confirmation
When someone dies, the person responsible for Applying yourself
e. The handling the deceased's estate may need to apply
e and for Grant of Representation/Confirmation. The If you live in England, Wales or Northern Ireland,
of most common forms of Grants of Representation you need to apply to your local Probate Registry
are called ‘Grant of Probate’ or ‘Grant of Letters of for one of the following documents:
Administration’. •‘Grant of Probate’ (if there's a will) appointing one
The Grant of Representation/Confirmation gives or more executors.
authority to take charge of all the property and •‘Letters of Administration’ (if there isn't a will)
possessions of the estate and distribute them appointing one or more administrators.
according to the wishes expressed in the will or
provided for in the intestacy rules. If you live in Scotland, you need to apply to the
local Sheriff Court for Confirmation.
Some people choose to pay a solicitor to arrange
this for them, as it involves listing details of the You can get the address and telephone number of
value of the estate, which can be a difficult and the local probate Registrar or Sheriff Court (if you
lengthy process. Others choose to apply for the live in Scotland) from the Yellow Pages or ask
grant themselves. Generally, the larger the estate Directory Enquiries or any Citizens Advice Bureau.
the more assets there are and the more
complicated it can be.
Where the total value of possessions is relatively
small, the Registrar or local Sheriff Clerk (in
Scotland) may be able to guide you.
If in any doubt, you should seek advice from a
solicitor or Citizens Advice Bureau.
51_318802-9_0108 28/1/08 13:14 Page 9
Financial matters Th
When it comes to sorting out the financial affairs, •Foreign Death Certificate (if applicable) To wor
you will need to contact the individual companies pay yo
•Coroner’s Interim Certificate
concerned to find out what to do. You may wish to For thi
phone them first, rather than write, to confirm •Coroner’s Letter deceas
what documentation they require. applyin
•Grant of Probate Confir
You should find phone numbers on documents
•Grant of Letters of Administration list of
relating to the account or policy. If more than one
what n
account or policy is held with the same company, •Confirmation
it is worthwhile checking the paperwork relating to You m
each account or policy as they could be •Will from a
administered at different offices around the the fol
•Trust documentation workin
country.
When you phone, have the account or policy Asse
information to hand, so you can quote details like
reference numbers. It is likely the company will Prope
then write advising you exactly what information
and documents they require and where to send Main H
them. Holida
(in the
Here is a list of the most common documents,
Proper
financial organisations will request to see, where
Rents
relevant:
Busine
•Death Certificate Land
•Abbreviated Extract of Death Certificate (in
Scotland)
Valua
Antiqu
Jewelle
Car(s)
House
Person
Other
61_318802-9_0108 28/1/08 13:14 Page 10
The estate checklist
To work out whether there is Inheritance Tax to Financial Value £
pay you will need to know the value of the estate.
For this, in essence the estate is everything the Current accounts
deceased owned, less anything owed. If you are Savings accounts
applying for a Grant of Representation or Investment plans
Confirmation (in Scotland) you will need to make a Life assurance plans
list of the assets and liabilities so that you know Pensions
what needs to be dealt with. Income from trusts
National savings
You may consider it appropriate to seek advice
Premium bonds
from a solicitor or the Citizens Advice Bureau, and
Stocks and shares
the following checklist may be helpful to assist
Offshore accounts
working out the value of the estate.
Cash
Assets Outstanding salary
Business holdings
Property Value £ Gifts made within the last 7 years
Total Assets (+) £
Main Home
Holiday home(s)
(in the UK and/or abroad) Liabilities
Properties being let
Outstanding balances Value £
Rents from property
Business premises Mortgage
Land Personal loans
Credit cards
Store cards etc
Hire purchase agreements
Valuables Value £
Unpaid bills
Funeral expenses
Antiques & paintings
Probate costs
Jewellery
Other
Car(s)
Total Liabilities (-) £
House contents
Personal belongings
Other Net Value of Estate
(Total assets less total liabilities) £
71_318802-9_0108 28/1/08 13:14 Page 11
Payment of urgent Ha
expenses Sc
If you need money urgently, you may be able to get If you
a cheque drawn from most Halifax and Bank of our de
Scotland banking and savings accounts held by the 0845 6
deceased. Bank o
appoin
If the accounts are held with Halifax or Bank of
Scotland and you require funds for funeral costs or You wi
other urgent expenses before legal documents are docum
obtained, simply give us a letter saying you have
•Two fo
applied or are going to apply for Grant of
and on
Representation/Confirmation and enclose the
original invoices that require payment. •Origina
of Dea
Where we are able, we would make cheques
payable to the funeral director or HM Revenue & •Accou
Customs, HM Paymaster or the Scottish Court
Service, as appropriate. •For urg
If you have any queries – just ask and we'll help •Probat
you all we can. If you
Letters
is a tot
or mor
need t
close a
If the d
there i
follow
types,
entitle
declara
If the b
more t
will ne
81_318802-9_0108 28/1/08 13:14 Page 12
Halifax and Bank of
Scotland accounts
If you require help and advice you can telephone the Peace, Commissioner of Oaths or Notary Public
our dedicated Bereaved Service Centre on (Scotland):
0845 603 3216* or call into any of our Halifax or
•All Halifax and/or Bank of Scotland banking and
Bank of Scotland branches to make an
savings accounts
appointment.
•All Halifax Share Dealing accounts
You will find it useful to bring the following
documents with you: •Halifax Financial Services Investment plans – York
administered only
•Two forms of identification for you, one for name
and one for address •Halifax Financial Services Investment plans –
Aylesbury administered only
•Original Death Certificate or Abbreviated Extract
of Death Certificate (in Scotland) You may find it useful to list on the following pages
all the Halifax or Bank of Scotland accounts you
•Account passbooks, cheque books, cash cards etc.
want us to deal with. There is also a separate table
•For urgent expenses, any invoices that need paying for you to list accounts held with other
organisations.
•Probate, Letters of Administration or Confirmation
If you are applying for Grant of Probate, Grant of
Letters of Administration or Confirmation or there
is a total balance of more than £20,000 held in one
or more of the following accounts, then we will
need to see the original document in order to
close accounts, plans or share holdings.
If the deceased was the sole account holder and
there is a total of less than £20,000 in each of the
following Halifax and Bank of Scotland account
types, we will ask the executor or beneficiary
entitled to the estate, to complete a statutory
declaration form.
*Calls from BT landlines will cost a maximum of 4p per
If the balance on any of the following accounts is
minute plus a 6p call set-up fee. The prices of calls
more than £5,000 but less than £20,000, this form
from other telephone companies will vary. The call
will need to be witnessed by a Solicitor, Justice of price is correct at January 2008.
91_318802-9_0108 28/1/08 13:14 Page 13
Halifax accounts Ba
ac
Type of account Account/roll number Balance Notes/documents received Type
Current Account Curre
or card account or ca
Saving(s) Savin
Mortgage Mort
Insurance Insur
HBOS Shares HBOS
Credit Card(s) Credi
Personal Loan(s) Perso
Investment Plan Inves
Life Assurance Plan Life A
Others Othe
101_318802-9_0108 28/1/08 13:14 Page 14
Bank of Scotland
accounts
ed Type of account Account/roll number Balance Notes/documents received
Current Account
or card account
Saving(s)
Mortgage
Insurance
HBOS Shares
Credit Card(s)
Personal Loan(s)
Investment Plan
Life Assurance Plan
Others
111_318802-9_0108 28/1/08 13:14 Page 15
Accounts held with Li
other organisations pe
in
Type of account Account/roll number Balance Notes/documents received Hali
Halifax
savings
Current Account
or card account are adm
Aylesb
simply
Saving(s) quoted
plan nu
If you
Mortgage teleph
on 084
Insurance Hali
To ame
teleph
Shares to us a
Box 31
necess
Credit Card(s)
Hali
If the d
Personal Loan(s) driver
phone
write t
Investment Plan Insuran
0SG. W
make t
Life Assurance Plan
Others
121_318802-9_0108 28/1/08 13:14 Page 16
Life assurance, insurance,
pension, savings and
investment policies
ed Halifax Financial Services TMPP Life Insurance
Halifax life assurance, pension, investment and To claim on a TMPP Life Insurance Plan, simply
savings plans (including the stocks and shares ISA) telephone the Claims unit on 0845 600 6007* to
are administered at two offices in York and register the claim.
Aylesbury. To find out more about making a claim,
simply contact us on the telephone number
quoted on the plan documents. Please quote the
plan number that begins with 14/.
If you do not have this information, you can
telephone the dedicated Bereaved Service Centre
on 0845 603 3216* who will be able to help you.
Halifax Home insurance
To amend any home insurance policy, just
telephone 0845 600 600 1* or if you prefer, write
to us at Halifax General Insurance Services Ltd, PO
Box 318, Halifax HX1 2RG and we will make the
necessary arrangements for you.
Halifax Car Insurance
If the deceased was the policyholder or a named
driver on a Halifax Car Insurance policy, simply
phone Customer Services on 0845 605 7757* or
*Calls from BT landlines will cost a maximum of 4p per
write to us at Customer Services, Halifax Car minute plus a 6p call set-up fee. The price of calls from
Insurance, The Observatory, Reigate, Surrey, RH2 other telephone companies will vary. The call price is
0SG. We will advise you of your options and then correct at January 2008.
make the necessary arrangements.
131_318802-9_0108 28/1/08 13:14 Page 17
Financial advice Ho
do
If you need advice regarding bank accounts, savings
accounts or mortgages, contact any of our Halifax or
Bank of Scotland branches.
We also have financial advisers who are able to offer Statu
both investment and estate planning advice. Our banki
financial advisers, in conjunction with your solicitor,
can provide guidance and in some cases, solutions
Small
to either reduce Inheritance Tax liability or put in
held i
place arrangements that will avoid a further liability
(refer
being created.
We can provide advice on what to do with any Halifa
investment plans, shares or policies held by the
deceased and explain all your options. For example,
you may want to keep savings and investments
temporarily invested, so that they continue to earn
Othe
interest until the estate has been settled. If you are
held i
a beneficiary and you have money coming from
ISA (r
insurance policies, we can open an instant access
account for you to keep the funds safe. Birth
If you think it would help to have a financial review,
contact us on 0845 600 0845* or call into any
Halifax or Bank of Scotland branches.
Halifa
*Calls from BT landlines will cost a maximum of 4p per
minute plus a 6p call set-up fee. The price of calls from
*Calls f
other telephone companies will vary. The call price is
minute
correct at January 2008.
other
correc
141_318802-9_0108 28/1/08 13:14 Page 18
How to get the
documents you need
Document How to get the documents you
need
Statutory declaration or small estate form for Available from any of our Halifax and Bank of
banking and savings accounts Scotland branches or call the dedicated
Bereaved Service Centre on 0845 603 3216*
Small estates declaration form for HBOS shares Write to the Computershare Investor Services
held in a shareholder account at PO Box 1909, Bristol, BS99 7DS or phone on
(reference numbers prefixed with I or C) 0870 702 0102**
Halifax Financial Services claim forms Details of which office deals with the plan can
be found on any plan documents. Simply
contact us on the telephone number stated on
the documents.
Other company shares (including HBOS shares) Please write to Halifax Share Dealing, Trinity
held in a Halifax Share Dealing Account, PEP or Road, Halifax HX1 2RG or phone on
ISA (reference numbers prefixed with D or B) 08457 22 55 25*
Birth and marriage certificates If you cannot find the original certificates, you
can get duplicates from the Registrar's office
where the birth or marriage was registered. If
you do not know where they were registered,
contact the General Register Office as detailed
on page 20
Halifax or Bank of Scotland documents These include savings account passbooks,
certificates of investment, cheque books, cash
cards and credit cards. We will need them to
close or transfer the accounts, or transfer assets
or debts. If you can't find them all, don't worry.
Just tell us and we will advise you what to do.
*Calls from BT landlines will cost a maximum of 4p per **Calls from BT landlines will cost a maximum of 8p per
minute plus a 6p call set-up fee. The price of calls from minute plus a 6p call set-up fee. The prices of calls
other telephone companies will vary. The call price is from other telephone companies will vary. The call
correct at January 2008. price is correct at January 2008.
151_318802-9_0108 28/1/08 13:14 Page 19
Your questions
answered
We will try to answer any queries you may have, •Halifax Financial Services Investment plans – If you
and explain anything you are not sure about. To York administered you wa
help with this, we have created a frequently asked •Halifax Financial Services Investment plans – standin
questions section below. Aylesbury administered
Other banks/building societies may have different Wha
What’s the difference limits. mor
between an executor and This de
administrator? Will there be any inheritance up, wh
An executor or executor nominate (in Scotland) tax to pay? the de
of the
carries out the wishes expressed in the will and There may be a liability for inheritance tax
execut
administers the estate. An administrator or depending on the value of the estate. You can
will be
executor dative (in Scotland) is appointed by the contact the Probate and Inheritance Tax Helpline on
Court to administer the estate where there is no 0845 30 20 900* to find out the current inheritance If the
will or the executor(s) named in the will is unable tax threshold. This is a complicated area where our from a
or unwilling to act. financial advisers, in conjunction with your solicitor, deeds
can provide guidance and in some cases, solutions schem
Is probate/Confirmation to reduce the potential liability.
always necessary? Wha
What about withdrawing
We will need to see a Grant of Probate, Grant of inve
Letters of Administration or Certificate of funds from joint bank The ta
Confirmation (in Scotland) in order to close
accounts, plans or share holdings, if:
accounts? death.
be take
In most cases, the surviving account holder can
– you are obtaining probate/Confirmation for continue to make withdrawals in the usual way and
other financial organisations, or any joint accounts will be changed to a sole name. Wha
– there is a total balance of more than £20,000 Where this is not the case, we will advise what
held in one or more of the following Halifax and options are available. pers
Bank of Scotland account types: If the l
how to
•All Halifax and/or Bank of Scotland banking and What happens to standing will arr
savings accounts
•All Halifax Share Dealing accounts
orders and direct debits? from t
names
We will cancel all standing orders and direct debits
making
from accounts held in the sole name of the deceased.
161_318802-9_0108 28/1/08 13:14 Page 20
s– If you are a joint account holder, simply tell us if What to do if a death occurs
you want to cancel or change any direct debits or
s– standing orders and we will take care of them. outside the UK
If the estate is under £5,000
erent What happens to the We will require the original Death Certificate and a
signed Statutory Declaration Form regardless of
mortgage? where the customer passed away.
This depends on how the mortgage has been set
nce up, whether it's in joint names or the sole name of
If the estate is between £5,000 and £20,000
- If the death was within the EU, we require the
the deceased. If the mortgage is in the sole name
original Death Certificate and a signed Statutory
of the deceased, we will need to talk to the
Declaration Form witnessed by a Solicitor, Justice
executor or administrator, for joint mortgages we
of the Peace, Notary Public or Commissioner of
will be able to provide further advice.
ine on Oaths.
tance If the mortgage has already been paid off (apart
- If the death was outside the EU, we require the
e our from a small balance), we may be storing the
original Death Certificate to be certified by the
licitor, deeds to the property under our Deedstore
HM Consular Office for the country in which the
ions scheme. Ask us to check for you.
death occurred and where the Death Certificate
was issued and a signed Statutory Declaration
What happens to tax-free Form witnessed by a Solicitor, Justice of the
Peace, Notary Public or Commissioner of Oaths.
investments?
If the estate is over £20,000
The tax-free status ends on the date of the holder's
We will require the original Grant of
death. We will explain to you what action needs to
Representation/Confirmation. If the Grant of
be taken.
an Representation/Confirmation was obtained
ay and outside the UK it may be possible for it to be
name. What about an outstanding resealed in the UK if it was made in one of the
at countries listed in the Colonial Probates Act 1892,
personal loan? otherwise a further Grant of
If the loan is covered by insurance, we will tell you Representation/Confirmation will be required to
how to make a claim to repay the loan. If not, we deal with the deceased's estate in the UK.
will arrange with you for the loan to be repaid
from the estate. If the loan was taken out in joint
names, the surviving account holder can continue
debits
making the usual payments or repay the loan.
eased.
171_318802-9_0108 28/1/08 13:14 Page 21
W
What do I do about credit When
dedica
cards? 0845 6
Bank o
With Halifax and Bank of Scotland credit cards, you appoin
should destroy them by cutting them in two and need t
return them to us. The account(s) will then be to brin
closed. If there is money still owing on the card,
and the account is covered by Credit Card In time
Repayment Insurance, you don’t have to do decisio
anything – you can leave it to us to deal directly benefi
with the insurance company. If the account isn't a sum
covered by insurance, we will advise you about manag
settling any outstanding balances from the estate. We can
If you were an authorised user on the credit card or Ban
account, you may wish to apply for a new credit taking
card account in your own name. We can
and he
Whate
you th
If you have any further questions, please
contact our dedicated Bereaved Service Centre
on 0845 603 3216* for help and advice.
*Calls f
*Calls from BT landlines will cost a maximum of 4p per minute
minute plus a 6p call set-up fee. The price of calls from other
other telephone companies will vary. The call price is correc
correct at January 2008.
181_318802-9_0108 28/1/08 13:14 Page 22
What to do next
When you are ready, you can telephone our
dedicated Bereaved Service Centre on
0845 603 3216* or call into any of our Halifax or
Bank of Scotland branches to make an
appointment to see us. We will explain what you
need to do and confirm what documents you need
to bring with you.
In time, there will also be other considerations and
decisions to be made. For instance, if you are a
beneficiary, you may find yourself in possession of
a sum of money and want advice on how to
manage it.
We can arrange a meeting at your nearest Halifax
or Bank of Scotland branch to explain your options,
taking into account your circumstances and needs.
We can give you the benefit of our expert advice
and help you plan to secure your future.
Whatever your needs, you can rely on us to help
you through this difficult time.
*Calls from BT landlines will cost a maximum of 4p per
minute plus a 6p call set-up fee. The price of calls from
other telephone companies will vary. The call price is
correct at January 2008.
191_318802-9_0108 28/1/08 13:14 Page 23
Useful contacts
Halifax & Bank of Scotland Computershare Investor Services Probat
PO Box 1909, Bristol BS99 7DS Tel: 08
Bereaved Service Centre Tel: 0870 702 0102** www.t
Tel: 0845 603 3216*
PEP’s, Stocks and Shares ISA’s & Investments The Na
Halifax Car Insurance Halifax Investment Fund Managers Limited, Funera
Customer Services, Halifax Car Insurance, PO Box 285, York YO90 1HX Tel: 08
The Observatory, Reigate, Surrey RH2 0SG Tel: 01904 611110 www.s
Tel: 0845 605 7757*
www.o
Halifax Financial Adviser appointments Support Services This w
Tel: 0845 600 0845* Benefits Agency (DSS) under
Halifax Financial Services Administration Centre – Your nearest office will be in the Phone Book
Aylesbury Citizens Advice Bureau
PO Box 10, Walton Street, Aylesbury HP21 7GD You’ll find your local office in the Phone Book
Tel: 0870 901 0137**
Cruse Bereavement Care
Halifax Financial Services Administration Centre Tel: 0844 477 9400*
– York www.crusebereavementcare.org.uk
PO Box 285, York YO90 1HX
General Register Office for England & Wales
Tel: 01904 611110
Smedley Hydro, Trafalgar Road,
Halifax General Insurance Southport, Merseyside PR8 2HH
PO Box 318, Halifax HX1 2RG Tel: 0845 603 7788*
Tel: 0845 600 6001* www.gro.gov.uk
Halifax Insurance Ireland Ltd General Register Office for Scotland
TMPP Life Insurance Claims Unit Ladywell House, Ladywell Road,
Dromore House, East Park, Shannon, Co Clare Edinburgh EH12 7TF
Tel: 0845 600 6007* Tel: 0131 334 0380
Halifax Share Dealing www.gro-scotland.gov.uk *Calls f
Trinity Road, Halifax HX1 2RG Her Majesty's Revenue & Customs minute
Tel: 08457 22 55 25* www.hmrc.gov.uk or look in the Phone Book for other
you local ‘Tax Office’ correc
Halifax Share PEP
Halifax Investment Services Limited, Mellon House, National Association of Widows **Calls
Ingrave Road, Brentwood CM15 8TG Tel: 0845 838 2261* minu
Tel: 0870 606 6417** from
www.nawidows.org.uk
price
201_318802-9_0108 28/1/08 13:14 Page 24
Probate and Inheritance Tax Helpline
Tel: 0845 30 20 900*
www.theprobateservice.gov.uk
The National Society of Allied and Independent
Funeral Directors (SAIF)
Tel: 0845 230 6777*
www.saif.org.uk
www.oft.gov.uk
This website provides further useful information
under their ‘Consumer’s Guide to Funerals’.
k
s
*Calls from BT landlines will cost a maximum of 4p per
minute plus a 6p call set-up fee. The price of calls from
for other telephone companies will vary. The call price is
correct at January 2008.
**Calls from BT landlines will cost a maximum of 8p per
minute plus a 6p call set-up fee. The prices of calls
from other telephone companies will vary. The call
price is correct at January 2008.
211_318802-9_0108 28/1/08 13:14 Page 1
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I HEREBY AUTHORISE THAT THIS DIGITAL PROOF IS APPROVED FOR PRINT:
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Additional needs Customer complaints
PMS:
We are committed to meeting the needs to Our aim is to please – but we know that
all our customers. If you have a hearing or
Date Proofed:
Finished Size:
sometimes things go wrong. If you have a
K
speech impairment contact us using problem, we want to know. A colleague will
Y
Textphone on 08457 323 436* (lines open be happy to help either over the phone or at
M
9am-5.30pm, 7 days a week). For visually a branch. A copy of our complaints
C
1_318802-9
impaired customers, we can provide
24 PAGES
procedure is available on request.
Colours:
documents in large print, Braille or on audio
cassette. Please speak to a member of staff. Complaints we cannot settle may be referred
to the Financial Ombudsman Service.
Stock Code:
We may monitor and record calls to help us
No. Pages:
improve our level of service. We may record
calls to resolve any queries or complaints.
*Calls from BT landlines will cost a maximum of
4p per minute plus a 6p call set-up fee. The price
of calls from other telephone companies will
vary. The call price is correct at January 2008.
Bank of Scotland plc. Registered in Scotland No. SC327000.
Registered Office: The Mound, Edinburgh EH1 1YZ.
Halifax is a division of Bank of Scotland plc.
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