Hello my name is ***** ***** I will help you with this.
Does the property have a management company please?
No. I own my property outright and the upstairs neighbour owned his but may have had a mortgage.
Ok. Its a hard one sadly.
The mortgage company won't be able to tell you anything, because of the Data Protect Act.
They wont release any information to you
You can check the Land Registry to see if anyone else is registered on the property. There is a small cost of doing this and you can search online at:
However if no one is registered there all sadly you can is see if anyone comes to the property.
Have had a look at the Land Registry but have not made an enquiry yet. How do things stand with my insurance if the upstairs flat has a flood or goes on fire since it was not well maintained.
There is no national database of wills
As for insurance sadly there is no legal requirement to insure a property
Therefore there may or may not be insurance
If there is damage all you can do is make a claim on the estate of the deceased for any damage caused.
Sadly this is one of those situations where there is not much you can do, save for land registry searches
I am sorry if this is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest
Can I clarify anything for you about this today please?
I left a message for the relatives to give me contact details for emergencies but if they are anything like my neighbour I doubt they will not reply. I feel that I may be compromised with paying a huge bill which I cannot afford if something goes wrong. I have no problem with your honesty and much prefer it to any other kind of answer. But who do I get in touch with to make a claim on the estate if the owner of the property is deceased?
Indeed I understand your frustration. If there is a claim then you issue proceedings at the property address in the name of 'The personal representatives of (name)'
Does that help?
Not really. The neighbour was left for 6-8 weeks dead in the flat which would indicate that he and family were not close so the chances of someone picking up the mail are low, I think.
Indeed. I am sorry it is not better news, but post a note on the door, keep an eye out and also pop something through the letterbox
Is there anything else I can help with today?
No thanks. This problem is the only one that I have. The rest of my life is just fine. Just been to New York to daughter's wedding so absolutely loads is all right in my world. But thanks for asking.
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