It may be a simple question, but the answer is more
complicated as you will read.
It takes time to type.
The Co-op however didnt know about joint accounts but I do so clearly their service didnt answer your question and so you couldnt rely on it.
I am happy to give youa full comprehensive answer, in writing that you can show to your sister
I am afraid that this is not an instant service
because we all have clients and court and all users and travelling and evenings
and weekends, so sometimes you will get a response in minutes and sometimes it
may be hours.
You are in executor of your fathers will/estate. Executors
are also sometimes known as personal representatives and the executor therefore
should have access to all documents and records and property of the testator (person
writing the will, your father) once the
person has died. You should therefore have complete access to all the documents
and property, including those in joint names.
You need to ask your sister out right for copies of
all the documents, including the joint bank accounts and if she refuses, you
can threaten a court application and costs.
The threat of the court application and the costs
is always better coming from a solicitor. However, if the relationship with
your sister was bad, non-existent before, this will not improve it. However,
whilst you appear to be reluctant to upset her, she appears to not have the
It is worthwhile mentioning that beneficiaries do
not have an automatic right even to see the will, but as an executor you do
have obviously, because without access to all the paperwork and the will, you
cannot do your job.
In addition, if you were appointed jointly in the
will, you should be signing all the paperwork and any application for probate
(if probate is needed, depending on where the assets are).
I will also mention the joint accounts. Whilst you
have the right to see these accounts, the money in them is not necessarily
joint money. The money might be your fathers or it could be your sisters or it
could be both.
Just because it is in joint names does not mean
that she has any interest in it outside the will.
The reason is quite simply that, if, for example,
all his pension or other income was paid into that joint account and it was in
joint names, simply so that she can administrate, then it is not joint money
even though it is in a joint account, it belongs completely to your father's
estate and should be distributed in accordance with his will.
Finally, although it may be a joint account, she is
no longer able to use it after the date of death, except to pay funeral
expenses which the bank will pay directly from the account on production of the
death certificate and the account from the funeral director
Can I help further?
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The thread remains open for us to continue this exchange