I apologise for the delay in getting back to you. I have had clients all day.
Forgive me for being naturally cynical but I have been involved with too many “support workers” who have committed fraudulent acts with their charges for me to be anything other than suspicious when she says that the insurance company isn’t paying out and that she is cancel the bank account. She has no right to deal with any of this.
She has no right to deal with clearing his house or anything and you need to immediately contact whoever she works for to get the situation clarified and get her to stop doing whatever she is doing and to hand over whatever paperwork she has in its entirety.
The Support worker is only a personal representative if they are named as executor in his will, but you don’t mention that. You also don’t mention who has the death certificate.
Next-of-kin is actually legally defined as the nearest blood relative although when it comes to sorting out someone’s affairs or advising someone when a person is in hospital, next of kin takes on a much wider role. It can actually just be a friend.
I think you are absolutely correct to be suspicious and I would feel very suspicious also. I’m not saying that she has done anything untoward and she may have been acting in your father’s best interest but at the moment, the sort of veil of darkness/secrecy over everything does raise some suspicions.
I don’t know whether your father had any assets to speak of (I’m leaving the life insurance apart for now) but if he didn’t, then his creditors cannot get blood out of a stone and you might want to simply give the name of the Support Worker and address (just the business address if you have it) and say that she is dealing with everything, contact her and do whatever you like but you have no money. The relatives have no liability, you have no liability and even if you got the life-insurance, there is no liability on that to pay your late father’s debts.
.Can I clarify anything else for you? I’m happy to answer any specific points arising from this.
I’m happy to answer any specific points arising from this.
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If you still need any point clarifying, I will still reply because the thread does not close.