Dying without a valid will means your property is divided according to strict leglislative formula known as 'intestacy'. This formula is seldom appropriate, and you have no say in it. Worse still, the formula changes with your circumstances rather than your intentions, meaning that you may benefit people you never intended to.

Yes! You are free to alter your Will at any time. It is your interest to review your Will every two or three years (or whenever any major event occurs in your family, your assets, or the taxation laws) to make sure the Will is up to date and still reflects your wishes.

If you are served with a claim you have several options. If you do owe the money, you should pay the debt if you can to avoid incurring any further costs. If you admit part of the debt but not the whole amount, your solicitor can file a document admitting the amount you are prepared to pay - the creditor may accept that amount , or if not, the court will decide the matter. Otherwise judgment will be entered against you for the amount admitted.