The issue here is whether any of this money in this account ever belonged to you or whether it was only this lady put the money in the account and whether you were named as a joint account holder for convenience.
You admit that the money all belongs to the deceased lady who doesn’t seem to be related to. All the money in the account belongs to the lady and none of it has been mixed with your money.
The Power of Attorney ceases on death.
You are correct that a joint account passes to the survivor on death but that is only provided there is joint money in it. If there was non-of your money in this account, then whoever was bringing the challenge will allege you are holding this lady’s money on trust for the lady and hence, it goes to her beneficiaries.
If you have never had any money in this account, then the challenge will usually succeed.
If however you have at some stage put money into the account, and provided it hasn’t all been taken out,then it isn’t possible to identify which money belonged to you and which money belonged to this lady and the challenging persons claim will fail. It is a strange legal scenario.
It comes down to whether the account has only ever had her money in or not as to whether the claim will succeed.
The legal cost of arguing this is going to be far more than £8000 if this goes to court and it might be worthwhile coming to an agreement with the executor depending on whose money was actually in the account. The executor can’t get it without your signature you can’t get it without the executors.
Can I clarify anything for you?
Please rate the service positive it’s an important part of the process by which experts get paid. It doesn’t cost you anything but helped me greatly. We can still exchange emails if you wish.