A funeral could cost more than £7,200 in within the decade

Why are funeral costs rising?

Only 14 years ago you would have paid around £1,920 for a basic funeral, today the same services cost up to £4,078,  an increase of 112%.

This includes the total cost of the funeral director’s fees, cremation or burial fees, and the minister or celebrant’s fees. Funeral director’s fees, including the collection of the deceased, coffin, hearse and care of the deceased, have risen by 3.3% in the last year due to external factors such as the increase in cost of land for burial sites, higher wages for crematorium staff and grave diggers, maintenance of crematoriums, the rise in fuel prices and cuts to local authority budgets leading to a rise in crematorium costs.


You can find the full article, here: www.telegraph.co.uk

Changes to Court of Protection Fees

An amendment to the fees for Court of Protection applications has been made.

The appeal fee has been decreased to £320, the application fee is £385.

More details can be found on the Legislation Website. Details below:

New Court of Protection Application fee

UPDATE - Guidance is now published on the HMCTS website - COP44 Guidance

Finders National Public Authority Deputyship Conference

Finders International are pleased to announce the second National Deputyship Conference in London on the 26th September 2018.

The event, held at Mary Ward House, off Tavistock Square, will feature former Master and Senior Judge of the Court of Protection Denzil Lush as its keynote speaker.

“We are delighted to welcome Denzil to our event” said David Lockwood, former Local Authority Deputy and now Finders Public Sector Development Manager. “Denzil is well known and admired by all those who had the pleasure of meeting him” he continued.

The event is open to all Local Authorities who manage Deputyships or Appointeeships, it will run from 10:00am through to 4:30pm with registration from 9:00am. Please note the later finish.

A range of speakers are being arranged and Finders will announce more details on their soon.

Whilst the event is designed in mind for the Public Sector, those working in private practice are also welcome, David stated “we are openly encouraging both sectors to mingle and network, there is a great opportunity for each to support one another.”

Refreshment and lunch will be provided, the event is Free.

REGISTER HERE for this FREE event.

Statutory will research

(Originally published on legalfutures.co.uk - 27/06/18 - article)

One of the services Finders International provides on behalf of professional clients is statutory will research, writes Danny Curran.

This applies in cases where an application for a statutory will has been made—usually where the next of kin needs to be traced in intestacy cases when a client has lost the capacity to make a will. The next of kin must be found before the statutory will can be submitted to the Court of Protection.

Often, time is of the essence in such cases and we’re happy to meet any deadlines involved. We work with court-appointed deputies or those in other roles and we can provide the required results quickly and cost-effectively.

Lack of capacity
Statutory wills can also be used in cases where previous wills are out of date but can’t be changed because of a lack of capacity. This might be the case where those named in the wills pre-deceased the testator. A statutory will often works in the best interests of the person involved as it stops his or her estate being distributed according to the rules of intestacy.

Most statutory will cases apply to older people who have lost capacity through illness or a condition such as Alzheimer’s. But this isn’t always the case. Recently, we drew up a family tree for a twenty-two-year-old man. Our client asked us to confirm his next of kin, and we were able to do so, documenting his sister, both parents and even both of his grandmothers as they were still alive.

In another case, a solicitor firm we work with asked us to confirm the paternal side of their client’s family which was thought to be straightforward. There was a strict court deadline for the research, and we were able to confirm and contact some of the paternal relatives before this date.

Research continues
We asked for the deadline to be extended and have since found family members in England, Scotland, Australia and the US, and the research continues. Although it isn’t strictly relevant to the case, we have also identified half-blood cousins, thanks to the remarriage of the client’s grandmother.

We welcome work in this area, as it provides reassurance to all those concerned—the professionals, the family and often the testator.

As the population’s age increases, the numbers of those suffering from dementia and other age-related illnesses will see applications for statutory wills increase. Our experience and expertise in this area can help.

Danny Curran is the founder and managing director of Finders International.

Providing evidence to Court

Community care have published a handy article for Social Care professionals required to produce a witness statement to the Court of Protection

As the article states it is one of the primary pieces of evidence that needs to be submitted to the Court.

A good witness statement (COP24) can help the Court better understand the decision they are being asked to make and can smooth the process.

The advice is available on the Community Care Website

DWP come under fire over Universal Credit

The National Audit Office has heavily criticised the Department for Works and Pensions over the design and implementation of Universal Credit.

According to the report approximately a quarter of all claims are paid late causing problems for claimants.

The NAO has described the DWP as "unresponsive to issues they have raised"

Read more on LocalGov and on the National Audit Office's website here

FOI reveals increase in LPA investigations

Royal London calls for more education on power of attorney as new FOI reveals soaring investigations.

More education is needed on what people can and cannot do under a power of attorney as figures from the Office of the Public Guardian (OPG) show a 45% increase in the number of investigations.

According to an FOI request by Royal London there were 1729 investigations into the actions of attorneys and deputies in the 2017/2018 tax year – a sharp increase from 1199 for the 2016/17 tax year.

Power of attorneys allow people to appoint someone to make decisions on their behalf should a time come when they lack the mental capacity to do so themselves. If the person has already lost mental capacity then the Court of Protection can appoint a deputy to make decisions on that person’s behalf.

There are currently two different types of power of attorney - one covering property and financial affairs and another covering health and welfare decisions. They have proven popular with more than 2.3m registered with the Office of the Public Guardian by April 2017. These were split into almost 1.6m covering property and financial affairs and a further 732,000 relating to health and wellbeing.

Commenting on the figures Helen Morrissey, personal finance specialist at Royal London said: “When done properly the attorney fulfils a vital role in safeguarding the interests of the person they are acting for. However, the sheer number of investigations into the actions of attorneys is concerning and action needs to be taken to curb poor practice. While there have been instances where people appointed as attorneys have used their position to steal money from the person they are acting for, there are also instances where the attorney has unwittingly stepped beyond the boundaries of their responsibilities or have neglected to keep up to date records explaining what they have done and why. People taking on these responsibilities need clearer guidance on what they can and cannot do.”

The number of investigations into the actions of deputies is relatively small accounting for 69 investigations in 2016/17 and 82 for 2017/18. This is due to the fact there are more safeguards under the deputyship regime. This includes the requirement to file annual returns detailing what decisions have been made on an individual’s behalf and why.

Royal London has launched a Good With Your Money guide on the key issues to be considered when acting as an attorney or deputy. These include:

  • Making sure you are prepared to carry out the wishes of the person you have agreed to be an attorney for. For instance you may not agree with their views on their medical treatment and find it difficult to carry out their wishes at the appropriate time.
  • The importance of keeping clear records of the decisions you have taken on behalf of someone else and the rationale behind them.
  • What an attorney can and cannot do when it comes to gifting money to other parties.

Royal London Website - Good with your Money

Rise in Public Health Funerals in Wales

Recent news pointed to the stark rise in the numbers of public health funerals in Wales.

An ITV story at the end of May stated there’d been a 55 percent rise. Sometimes called ‘pauper’s funerals, a public health funeral takes place when there is no money in the deceased person’s estate to pay for the funeral or they have no relatives to cover the costs. Local councils or health boards pick up the tab instead.

The Royal London National Funeral Cost Index reports the average price of a funeral in Wales is £3,535. The ITV story also reports that crowdfunding funerals is also becoming more commonplace when families and friends are forced to go online to ask people to help with costs.

ITV News focused on Helen Hughes from Cardiff. When Helen lost her husband to a heart attack in December last year, he had no life insurance. Helen chose the cheapest funeral she could, but it still left her in debt.

She created an online crowdfunding page where she received financial help from family members and also received a lump sum from the UK Government’s Funeral Payment scheme, but she still hasn’t paid off the balance.

Helen told ITV News struggling with the costs of the funeral had made “things snowball”, worsening her depression.

The campaign group Fair Funerals says funeral prices have risen way above inflation since the Government’s funeral payment scheme was set up in the 1980s and that it covered less than 40 percent of the cost of a basic funeral.

The group has called on the Chancellor Philip Hammond to #BurytheDebt for grieving families by raising the state’s funeral fund.

A UK Government spokesperson said they understood funerals were difficult for people and that the payments provided an important contribution towards the costs, with the average award at over £1,400.

Danny Curran, Finders International’s founder and managing director said: “Helen’s story—and the numbers of public health funerals needed in Wales—is all too common. Increasing numbers of people struggle to pay for funerals and the costs fall to local authorities, which are already coping with reduced funding, and cuts to health and social care.

“We established our funeral fund for public bodies to help this in this area. We also offer a service where we will trace next of kin free of charge for councils and health boards when someone dies in their care and seemingly has no relatives.”

Local Authorities and the NHS carry out Public Health Act Funerals under the Public Health (Control of Diseases) Act 1984 as a Statutory duty. Resources and help are available on our sister website - Public Health Funerals

Mediation an the Court of Protection

In an article published on the 1st June on the Localgov website, Barrister Emma Sutton  argues that Mediation should play a greater role in the Court of Protection process. She argues that "There must be a better way to resolving disputes involving the most vulnerable of our society".

In fact a recent announcement by the OPG stated their intention to implement a Mediation pilot "to test a new way to safeguard adults at risk by resolving conflict and disputes affecting their welfare pre-issue".

You can read the full article on the Localgov website here:

Mediation in the Court of Protection

New President for Court of Protection

Sir Andrew McFarlane has been appointed as the new President of the Court of Protection, with the appointment approved by Her Majesty the Queen.

Appointment Details