Why writing your own will could well end up in probate dispute

Why writing your own will could well end up in probate dispute

A recent survey on behalf of Saga revealed that around 40% of adults now have a will in place.  Unfortunately, it also seems that approximately one quarter of these individuals have chosen to write their own will, without any input whatsoever from a will writing professional – running the risk of creating a probate dispute.

A number of principal reasons were stated for this, largely based on pre-conceived (and sometimes inaccurate) ideas of cost and the legal system.

The majority (37%) had felt that it would be cheaper to prepare their own will, rather than seeking legal advice and a quarter also felt that it would make the whole process quicker.  Some mentioned that they were uncomfortable with sharing such personal information with a stranger, regardless of their professionalism and guarantee of confidentiality.

There are, however, a number of risks associated with writing your own will without legal supervision, which depend upon the size of the family unit, the value of the estate and simple ambiguity.  Indeed, it was noted that one in fourteen respondents had either subsequently encountered a problem during probate, or knew of someone who had, after drafting a will themselves.  Nearly half said that the problem had led to a dispute and 39% said this had gone on to delay the probate process.

The complexities and legal knowledge required to write a will for all but the smallest and least complicated estates, is often misunderstood.  Very often, the wording included in the will is not specific enough and is open to question by family members, which often leads to a very bitter, unpleasant and costly dispute.  On the other side of the coin, it is not always advisable to mention specific sums of money which should be left to key individuals, as the value of the estate may change over time.

One of the most common mistakes is to draft one will and not regularly update it to reflect family or financial circumstances.  This can mean that some new family members are left out or there is not enough money in the pot to satisfy a particular bequest.

In some instances, a will has not been correctly signed and witnessed.  This renders a will invalid and, instead of the executor being able to fulfil the deceased's wishes, the probate office may be forced to apply intestacy and follow the standard rules of estate distribution, according to English law.

The lessons here are to firstly, seek legal advice from an experienced will writing or probate professional when writing a will.  Then, be sure to update it whenever any significant family or financial change occurs.  In this way, the probate process is much more likely to be carried out seamlessly and efficiently, without any inter-family squabbles, disappointment and bitterness.

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Rik Mayall family could lose out on inheritance

Why no will could mean Rik Mayall family loses out on inheritance

The Daily Mail recently reported that the family of the comedian Rik Mayall could be faced with a substantial Inheritance Tax bill because he died without having left a will.

Mr. Mayall, who was married with children, left an estate valued at just under £1.2 million. According to the laws governing succession in England and Wales (the law is different in Scotland),


His widow is entitled to inherit all of his personal property and the first £250,000 of his estate. Mrs. Mayall will also inherit a life interest in half of the remainder of his estate (meaning that she is entitled to the interest generated by that sum but not the capital itself), with the remaining half being split between his three children.

Mrs. Mayall's share of the estate is exempt from inheritance tax, but the portion of it which will be inherited by his children will be subject to inheritance tax if it exceeds the inheritance tax threshold of £325,000.  Had there been a will leaving the whole or most of the estate to Mrs. Mayall, little or no inheritance tax would have been payable.


This illustrates the importance of inheritance tax planning. Making a will is a simple, relatively inexpensive but very important element in that process.


A will has two basic functions. Firstly, it ensures that your estate is distributed according to your wishes, rather than whatever the rules of intestacy stipulate at the time of your death . Secondly, it is a valuable element in setting up the most tax-efficient regime for the distribution of your estate, thereby ensuring that as much of your estate as possible passes to those whom you wish to provide for.


As the law currently stands, bequests made in terms of a will by a person to their spouse or civil partner are exempt from inheritance tax irrespective of the size of those bequests. However, if bequests totalling £325,000 or more are made to anyone other than a spouse or civil partner then inheritance tax is chargeable on the amount by which those bequests exceed the threshold of £325,000.00.


Inheritance tax planning is a specialised field. For that reason, we would suggest that you consult a professional tax-planning expert in order to make sure that your loved ones receive the maximum value from your estate.


The world is an uncertain place, and the future unforeseeable,  so we would suggest that you do this as soon as possible.  Once made, you can change your will and alter your tax-planning regime as time passes.

#iwcprobate #probate #bereaved

Why making a will can reduce Inheritance Tax

Why making a will can reduce Inheritance Tax

Did you know that as a married person or civil partner, making a will can in actual fact help to reduce the amount of Inheritance Tax finally payable on your joint estate?

Each person's estate benefits from what is known as the "nil rate band".  This simply means that assets belonging to the estate will only be taxed over the value of £325,000.  Married persons or civil partners who have both prepared wills in advance with all assets going to the surviving individual can then also ensure that these assets qualify for exemption.

In addition, assets left entirely to the partner or spouse in this way, means that the deceased is not deemed to have used their nil rate band and it can be passed onto their other half, which could, in effect, double that person's nil rate band to £650,000 and ensuring that no inheritance tax will need to be paid on any assets under this value in the event of their death, even if they remarry.

Of course, if no will is made out then a deceased person's estate will be distributed according to the English laws of intestacy.  This does not necessarily mean that all of their assets will automatically be passed onto the other spouse or partner but may instead be distributed among relatives.  If this occurs, then their estate may not benefit from any exemptions or transfer of nil rate band – a potentially costly mistake.

#iwcprobate #inheritancetax #probate

New English intestacy rules

New English intestacy rules

The new English intestacy rules came into force on 1 October 2014 – but how do they affect you?

Well, if you are cohabiting with a partner, regardless of how long you've been a couple or whether you have children together, there is no change whatsoever and you run the risk of leaving your partner with absolutely nothing. 

Married with children

If you are married with children, the law used to state that your spouse or civil partner would receive the first £250,000 of your estate.  The children would be given half of the rest, with the other half being kept by the remaining spouse as "life interest", handed down to the children when that spouse died.  Now, the spouse is entitled to £250,000 plus half of the remainder.  The other half is automatically made available to the children once they turn 18.

Married without children

Where once the surviving spouse was entitled to £450,000 and half of the rest, with the other half going to blood relatives beginning with parents, the spouse will now receive the proceeds of the entire estate.

A loophole in the law, which used to indicate that children who were subsequently adopted after the death of one or both of their parents could potentially lose their inheritance, has been closed.  This now means that they will receive their inheritance, even if they go on to be adopted by someone else.

As mentioned earlier, unmarried couples run the risk of leaving their partner without any inheritance whatsoever.  If there are no children from the partnership, the deceased's entire estate goes to blood relatives – parents, siblings, nieces and nephews.  If there are children however, the same rules apply, except the children will be first in line to receive the inheritance.

Although we always stress to all individuals the necessity of making a will, this is especially valid for couples who may have lived together for years and even had a family but never married.  Please be aware that despite these new intestacy rules, if no will is in place then your partner will receive nothing in the event of your death.

Cohabiting and intestacy

Cohabiting and intestacy

Recently, changes to intestacy laws meant that cohabiting couples can now claim more property from the estate of their deceased partner, if no will has been prepared which indicates to the contrary.  This doesn't mean however, that unmarried partners have the same claim to each other's estates as they would as a married couple.

There are now around three million unmarried couples living together in the UK.  Many are under the impression that there is a law which states that after living together for a number of years, that they are automatically classed as "common law spouses" and are therefore granted the same rights as married couples.  In actual fact, whilst partners live together without marrying, then they have almost no rights at all, when it comes to probate and inheritance.

When it comes to a home, one of the best ways to protect each other's interest in the property is to draw up a property purchase contract either as joint tenants, or tenants in common.  As joint tenants, the property is equally owned by both so if one person dies, the surviving partner will automatically inherit the whole property.  As tenants in common, the partners own specific shares in the home, which then means that they should both prepare wills, indicating that on their death, the surviving partner should inherit their share.

Remarried? What your children stand to inherit

Remarried?  What your children stand to inherit

Should you have had a will drafted during your previous marriage, then the event of your new marriage will automatically mean that the original will is revoked, so will not be considered valid.  If you haven't made another will since that time, then in the event of your death, the rules of intestacy will apply – just as if you had not made any will at all.

On 1 October 2014, the rules of intestacy will change and if no will is made after your remarriage, then it is likely that your spouse will benefit from all personal belongings, all jointly held assets and up to £250,000, as well as half the residual estate.  The other half of the residual estate will be passed onto your children directly or held in trust for them, until they turn 18.  They will not receive your spouse's half of the residual estate, even after their death.

To ensure that your hard earned cash and other assets are left to the appropriate people then, it is vital that you have another will made out, after you have remarried.  Should your spouse then survive you, any assets held jointly with them will automatically pass to that person.  If you have children either jointly, from another marriage or both, then make the responsible decision to draft a new will, so that they will directly benefit from your wealth, after you've gone.

Intestacy – tracing bank accounts

Intestacy – tracing bank accounts

Unfortunately, if a person dies without leaving a will and their estate is therefore passed into intestacy, there is no easy way of tracking down their financial details, unless they have paper copies of documents stored on file.

Frankly, it’s no use hoping that a financial institution will simply pick up on the fact that a customer has died.  Currently, they have no way of accessing such information, although most will write to the customer if there has been no action on their account for some time.  Unfortunately, this trigger often doesn’t arise until at least after 12 months and sometimes, up to three years.

Recently, a new service has been set up, whereby a free tracing service is available for lost bank accounts and savings and investments.  This is somewhat faster, with a response received from banks within three months and NS&I institutions within one month.  This service can be accessed at

Bear in mind however, that you will be expected to demonstrate how you have a valid claim on the deceased’s account, before you may be given any information or access to the funds.

Should you finally be granted access to the deceased’s financial assets, then these need to be distributed among the beneficiaries, in accordance with English intestacy law.  If the value is not substantial, then you may be granted access to the funds immediately.  However, more valuable accounts will only be accessible once a Grant of Representation has been awarded.

Law Society guidance on Sharia wills triggers heated debate

Law Society guidance on Sharia wills triggers heated debate

In a questionably misguided attempt to recognise differing faiths, the Law Society recently issued guidelines for will writers who are asked to draft a Sharia-compliant will.

Although IWC Ltd has been writing Sharia-compliant wills for some time now, the Law Society decided to formally notify will writing and legal professionals, that Sharia wills would indeed be considered valid, but only if they were signed according to the Wills Act 1837.

Writing a will which complies with English law and adheres to specific religious principles is not always straightforward, however. For example, Sharia and its derivatives including Shia and Sunni, have differing laws. What about if a Muslim dies without a will and their estate is passed into intestacy? Can their wishes regarding distribution of their assets in accordance with Sharia guidelines still be fulfilled?

Another key challenge when writing a Sharia-compliant will is that unlike wills written purely under English law, beneficiaries cannot be named at the time of writing, and are not identified until after the individual’s death. This added complication can obviously add delays to the probate process, whilst research is carried out and any disputes resolved.

This move by the Law Society has since been criticised by many will writing and law professionals, who have accused the body of being “incredibly naive” – so much so, that it is now being threatened with possible legal action.
The Lawyers’ Secular Society (LSS) argues that there are many religions being practised in the UK, and that by “bowing down” to one particular religion, the Law Society is in effect, ignoring all other religions including Judaism, Pagan and Scientology. Instead, the LSS would prefer to see all wills written in strict adherence purely to English law, to provide a just and even playing field to individuals of all religions and faiths.

Do I need to make a will?

Do I need to make a will?

We're often asked the question: "Do I need to make a will?" It's a common misconception that if parents only have one child, then that child will automatically inherit both parents' entire estates and so no will is needed.

Leaving aside the problems and delays that intestacy can bring to the probate process, let's also consider that the old concept of a "traditional" family is now fading, rapidly.  Many people marry for a second or third time and have children with multiple partners.  What happens then?

Making a will is not simply stating to whom you would like to leave your worldly possessions.  For those with children under the age of 18, it is essential that you formally state who should be the child's guardian, in case the worst ever happens.

We have seen countless cases whereby step families can co-exist beautifully – until the natural parent dies and confusion descends about who should receive what.  Even if the parents were married, if no will exists to state who should benefit and why, then anxiety, bitterness and conflict can raise their ugly heads, to the extent that the family unit may be split.

Don't make the mistake of thinking that all will be well and that a relative, friend or the government will automatically know how you would like your hard earned cash and assets to be distributed.  Remove any doubt by formalising your wishes legally in a will.

Witness signed will with false name

Witness signed will with false name

A Bridgnorth man acted as a witness and signed a will using a false name, it was revealed last week.

Joseph Alan Bate died in 2008, leaving an estate worth £60,000 but not having written a will.

Presumably, the late Mr Bate’s neighbour, Daniel Ball, learned that the estate would be passed into intestacy, forging and presenting a will to the Probate Office in 2010.

In an attempt to fool the authorities, Ball asked his friend, Tufayl Ahmed, to act as witness. Ahmed agreed and signed the forged document, using a false name.

Fortunately, it was very evident that the will was a fake, and no monies were transferred from the estate of the deceased. Instead, both men were arrested.

In an attempt to extricate himself from any wrongdoing, Ahmed declared that he believed the document was not a fake will but a reference for his friend. Sadly for him, the fact that he used a fictional name contradicts his claims.

Ball will be sentenced in the new year, whilst Ahmed was handed a two year suspended prison sentence and ordered to undertake 150 hours of unpaid work.

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