Credit union bereavement

skoda 01

Registered User
Messages
6
Hi folks, unfortunately my father passed suddenly last year, he had a esb credit union account, no will. I dealt with all his affairs as his son and his next of kin. My parents divorced 20years ago and had never spoken since this. Basically I sent in all the information required by the esb, death cert, overpayment of his pension, funeral instructions for the undertaker as dad was was entitled to a death benefit grant.
Dad never changed mum as the nominated person on his account from the date he set it up before their divorce. The esb dealt with me for everything as i explained our situation to them. Then at the very end the final letter and closure of his account -shares went to mum. Now my mum will not hand over any money or final letter as she feels dad left all to her. The esb have told me they can only discuss the closure with the nominated person on his account. I'm at a loss with all this , looking for closure on my father's affairs and a disbelief - strained relationship with my mum.
Can anyone help or advise.
 

PMU

Frequent Poster
Messages
963
The following from Citizens' Information may be relevant: http://www.citizensinformation.ie/en/death/money_matters_after_a_death/access_to_money_after_a_death.html

Credit union accounts
If the deceased had a credit union account and had completed a valid Nomination Form, when opening the account, nominating someone as next of kin, the proceeds of the account up to a maximum of €23,000 go to the person or persons nominated on the form. They do not form part of the deceased's estate.

The balance of the account forms part of the deceased's estate and is distributed in accordance with succession law.
 

Brendan Burgess

Founder
Messages
38,093
Just to be clear, this has nothing to do with the ESB.

It is a Credit Union issue and it appears that they are doing everything correctly.

Brendan
 

skoda 01

Registered User
Messages
6
Thanks folks, I know they are following their terms but I was taken back in the way they wrote to me and correspondence with me then just sent final account details to my mum. I thought I may have been entitled to have received a copy of that closure too. Thanks again for your responses.
 

Palerider

Frequent Poster
Messages
1,403
This would be the same in any credit union, the letter of nomination applies up to €23000, anything over this should be probated, try not to feel hard done by, easy for me to say I know.
 

star32

Registered User
Messages
30
Double check with the Irish league of credit unions. When someone appoints a nominee on their account and then they get married this makes the nomination null and void. Divorce could also be the case too. I am not 100% but worth a follow up to the league.
 

Meath Lady

Frequent Poster
Messages
237
This would be the same in any credit union, the letter of nomination applies up to €23000, anything over this should be probated, try not to feel hard done by, easy for me to say I know.
Would the 23000 euro include both savings and insurance /death benefit.
 

Palerider

Frequent Poster
Messages
1,403
The amount in the account at date of death is the way it is calculated as these funds belonged to the deceased person.
 

Fiddlybits

Registered User
Messages
27
Anything over €23000 will go to the estate of the deceased. ASAIF this includes savings and insurance
 
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