Vicky The Will Writer

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Vicky The Will Writer Helping families across the North East put clear plans in place with Wills, LPAs, Trusts and life insurance — calmly, clearly and without pressure.

I am really delighted to be back and offering drop in Will advice at Heaton Community Centre on Thursday 15th October, f...
08/10/2026

I am really delighted to be back and offering drop in Will advice at Heaton Community Centre on Thursday 15th October, from 11am to 2pm. Whether you are at the very start of the journey -(what is a Will, do I need one, how is it useful?), to estate planning to ensure that your estate does what you want it to do after death; talking about Trusts; Lasting Power of Attorney and anything else, please pop along. I will be sitting just within the main entrance.

02/10/2026

📖 PART 5: Probate, Getting Things Sorted & Moving Forward
When an account holds over £5,000, most financial institutions require a Grant of Probate before releasing funds.

Paying Funeral Costs vs. Other Admin: Bank accounts are frozen after a death, BUT banks will pay the Funeral Director directly from the frozen account before Probate is granted. Simply bring the final invoice to the bank.

However, other costs—like Probate application fees (now over £500) or Gazette notices—must be paid upfront out of pocket and reimbursed later.

My personal lesson: Keep a separate account under £5,000 that your executors can access easily for these early fees!

Applying for Probate: Because Dad’s estate was straightforward (a 70/30 leasehold flat, savings, and shares), I applied online myself on a Saturday and posted his original Will. By Thursday afternoon, Probate was granted!

Where We Are Now (3 Months On):
• The Estate: Sorted and split 50/50 between my brother and me.
• The Car: Sold simply to a neighbour on Dad’s block.
• The Flat: We cleared sentimental items and paid the British Heart Foundation (fitting given his cause of death) to clear the furniture for resale. It's now deep-cleaned and on the market.

The Emotional Reality: Grief doesn't follow the timeline of the paperwork.
It didn't hit while clearing his flat or driving to the funeral. It hits while driving along the road on a random Tuesday, nowhere near his home. It hits walking back from the shop with some groceries. It’s a mix of missing him; sadness that he didn't get to prepare; sadness that he never made it back home; and sadness for all the memories I have that are now only mine and not joint.

Being busy with the legal administration gave me structure, but grief takes you by surprise anyway—and I guess it will happen forever. 😢

If you’re currently trying to navigate the paperwork mountain after losing someone, or want to make sure your own family doesn't face these hurdles, my inbox is always open for a friendly, plain-English chat.

01/10/2026

📖 PART 4: Clearing the Flat, Utilities & Direct Debits

Once the medical certificates, death certificates, and funeral are sorted, the next phase is clearing the estate and closing accounts.

Going into my dad’s flat to sort his bills felt emotionally tough—not because I was crying constantly, but because going through his personal things felt so invasive.

Thankfully, Dad had made things easier for us:
• He typed up a fresh spreadsheet every year listing all his stocks, shares, and assets.
• He kept three years of physical bank statements organised in order. (Who does that nowadays?!)
• I personally keep a notebook titled I'm F*ing Dead with all my own details for my family!

Navigating Direct Debits & Utilities: Using his bank statements, I called every company to freeze or close accounts:
• The Best: Direct Line car insurance were warm, empathetic, and wonderfully easy to deal with.
• The Worst: The AA. Despite having been a member for 66 years (this made me cry), they were cold and uncaring.
• Utilities: British Gas keep the property on a standing charge until the flat is sold.
• Council Tax: The council suspends Council Tax for 6 months after a death. However, if the property remains unsold after 6 months, full charges resume.
• NS&I Premium Bonds: Bonds can stay in the monthly draw for up to a year after someone passes, with winnings paid to the estate. Notification is automated, so expect an 8-week delay while waiting for confirmation.

The Gazette Notice Warning: We placed a notice in The London Gazette. It gives unknown creditors 2 months to make a claim against the estate. You don’t need to do this, and we weren’t expecting any creditors.

Important Executor Tip: If you are an executor for an estate where you are NOT the sole beneficiary, and you pay out money before that 2-month window closes, you are personally liable if an unexpected creditor surfaces later!

👇 Save this post for when you need an administrative checklist after a loss.

30/09/2026

📖 PART 3: The Search for the Original Will

When my dad was lucid and realistic in his final days, he asked me to find his Will. Thankfully, I recognised right away that the document I found at his flat wasn't his original Will—it was only a copy. I knew I needed to track down the original, but that proved much harder than I expected!

The solicitor who originally drafted it was no longer in business. The successor firm that took over from them was also gone.
I ended up tracking down the name of one of the witnesses listed on the copy, traced his career, and eventually found the firm he was currently working for.

I rang them up, and a very polite lady on the phone said: "Because your father is still alive, I can neither confirm nor deny that we hold his Will."

I never told my dad that—it would have caused unnecessary stress. But it highlighted a massive issue in our industry!

At my company, we feel it is crucial that clients and their executors know EXACTLY who the executors are, where the original Will is stored, and how to access it without a wild goose chase.

Finding a copy is only half the battle. If the probate registry doesn't receive the physical, original document, your estate can face massive delays and extra legal costs. It also needs to be in good condition. I had to declare any staples, added sheets, marks etc.

Do your loved ones know where your ORIGINAL Will is stored right now? If the answer is "I think so," it might be time to double-check.

At Newcastle Civic again, chatting with employees about Wills and estate planning (with a nice reminder that employees b...
30/09/2026

At Newcastle Civic again, chatting with employees about Wills and estate planning (with a nice reminder that employees benefit from a free Will with us!).

29/09/2026

📖 PART 2: The Medical, Registration & Funeral Steps

When a parent dies, the first thing to know is: nothing much needs to be done immediately.

I’m an organiser by nature, so I like to get things sorted. The forced waiting really stressed me out—I wanted to be active, but there isn't an awful lot you can do in the first few days.
Here is how the initial process actually works:
1. The Medical Certificate You cannot do anything official until the medical officer signs the paperwork stating the cause of death. In our case, the hospital team called me beforehand to discuss what they were listing, which was very thoughtful of them. It took 5 days. In those 5 days, just be with who you need to be with and don’t worry about the rest. It will come.
2. Registering the Death Once the hospital sends the certificate to the local registrar, you book an appointment to register the death. Official advice says to bring their passport, ID, and proof of your status as executor. In reality, they didn't ask to see any of that from me—it was taken as clear that I was his daughter—but always take your documents just in case!
3. Ordering Certificates Get a few official physical death certificates. While most companies were great about accepting an uploaded photo of the certificate online, a few traditional institutions still insist on physical paper.
4. The Funeral & Final Choices Deciding between a cremation or burial is separate from choosing a funeral director. Once you pick the venue, the funeral director manages transport and care. The registrar sent the green form (necessary of for funeral) directly to our chosen funeral director.

Talking about final wishes with loved ones beforehand makes a world of difference. People often say, "Oh, it doesn't matter," but to those left behind, getting it right matters immensely.

We wanted a small, natural service at Northumberland Woodland Burial and Cremation near Morpeth. They were lovely, with a sweet little chapel and goats on site—the grandchildren fed them the service flowers, which turned a tough day into something gentle and fun. Afterward, we gathered at the Cook & Barker in Newton on the Moor, who gave us a beautiful private space, outdoor room for the kids, and endless tea and coffee.

Have you ever had the "final wishes" or "funeral music" conversation with your family? I’d really recommend it.

28/09/2026

📖 PART 1: When the Unthinkable Happens

In June this year, my dad died.

He’d been in hospital for five weeks prior to that. Before then, he’d been doing okay—aside from a sore back and falling over a few times. He had Type 2 diabetes, but nothing that made us think anything was imminent.

Then he had a fall and went into hospital. He went into three hospitals in total, but over those five weeks, he never came back out.
He had his moments of confusion and his moments of clarity. He really wanted to go home, to be independent, and to drive his car again. Then he had moments of not really understanding at all. It turned out he had Stage 4 heart disease—we didn't know, he didn't know, none of us ever knew it was that bad.

Toward the end, he had a few moments of clarity where I think he realised he wasn't going to be coming out.

One Saturday, we were told my dad was about to go. In fact, he hung on for another 10 days. When he eventually passed away, I wasn’t in the room—I’d been there all day, but he went shortly after I stepped away.

In my day job, I help people plan for the end of life. But when it’s your own parent, the sudden reality of the administration that follows can be overwhelming.

Over the next few posts, I want to share the exact practical steps, legal realities, and administrative hurdles my family went through after Dad died—so that if you ever find yourself in this position, you’ll have a clear roadmap to follow.

18/08/2026

Exactly this.

While Spike Milligan famously ‘told you I was ill’ my dad didn’t tell us unfortunately. In retrospect, what we had thoug...
20/07/2026

While Spike Milligan famously ‘told you I was ill’ my dad didn’t tell us unfortunately. In retrospect, what we had thought was a bad back and general aged frailty over the last months was possibly hiding what he ended up being diagnosed with only a month before he died, severe heart failure. A month in hospital from living independently to not being here. Not as quick as some, but quick.

A month on I am still coming to terms with the reality, he never did. Every lucid conversation we had with him in hospital he wanted to know when he was going home, would he be able to drive again…. He was 87 so it shouldn’t have been shocking, yet it was. He seemed the most surprised of all.

The last two months have been reasonably foggy. Sorting through his things feels incredibly invasive. Organising funeral and wake. Learning all the things I’ve only theoretically talked about with clients up until this point. Professionally I’m learning loads.

What else I have discovered is the kindness of others. The generosity and offers of help from friends and colleagues, the absolute amazingness of my clients if I’ve needed to rearrange.

I am looking forward to 2 and a half weeks in one of my favourite places (France obvs) with my favourite people (Grays and Kemps). I’m looking forward to a bit more normality when I’m back, and catching up with those of you I’ve just not been in a place to catch up with. And I am going to write down everything I’ve learnt about the whole ‘death and everything after’ experience because it’s a bloomin’ minefield.

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Heaton
Newcastle Upon Tyne
NE6

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