Will Writing and Estate Planning - Consumers Choice

 Phone Number 08008477011

Phone Number 08008477011

  Have You Got A Will? Find Out If Our Partners Can Help!

Worryingly, every year the number of people in the UK that do not have a Will goes up and up. Government figures indicate that almost 30 million adults in the UK have not made a Will… are you one of them?

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Do You Need to Change Your Will?

It’s a good idea to review your Will every now and then to make sure it still says what you want it to say.

You should definitely review your Will if:

  •     Someone named in your Will dies
  •     You have children or grandchildren
  •     You get married. Marriage revokes a Will
  •     You get divorced
  •     Confidential and No Obligation Service
  •     Complex situations welcomed
  •     Non Judgmental Service
  •     End to end Encryption

Nobody hopes for the worst… but you can prepare for it.

Lets Get Started

Everyone should have a Will but it is even more important if you have children, you own property or have savings, investments, insurance policies or you own a business.

The Process In 3 Easy Steps

STEP - 1 Start the Proces

Fill out the form above so we can understand your circumstances.

STEP - 2 Speak to a Writer

Speak to a friendly writer to help you choose the best solution for your needs.

STEP - 3 Review & Relax

Let them handle everything so you can free yourself of the worry loved ones

Will Writing

An unchangeable fact of life is that at some point we will pass away. Whilst this will be a very difficult time for your loved ones, it can also cause extra stress as they try to finalise your estate.

At this point you won’t have control over what happens to what you are leaving behind so it needs to be put in place in advance. As we don’t know when we will die, the sooner your will is written, the better.

If you die without a will in place, it can lead to years of organising, negotiation and enquiry for your loved ones. In some cases due to bank restrictions even normal bills will go unpaid which obviously causes extra pressure and strain at a time that is no doubt already very difficult.

Although planning for what happens when you die can be very difficult and upsetting, once done it will likely leave a feeling of security that you have things in place to protect those you love and care for.

PROTECT YOUR LOVED ONES

Understanding The Best Solutions To Consider

Will Writing

Will Writing

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Trusts

Trusts

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Lasting Power Of Attorney

Lasting Power Of Attorney

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Funeral Plans

Funeral Plans

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IMPORTANT:

Consumers Choice is an independent website and has no association with the Government. You are welcome to act upon any advice received and you are under no-obligation to accept the recommendations you may receive from our partners.

This website is not part of the Facebook website or Facebook Inc. Additionally, this site is NOT endorsed by Facebook in any way.

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INFO

Consumers Choice Ltd,
Helpline: 08008477011
Email: info@Consumerschoice.co.uk
Company Registration Number 09052365.

PRIVACY POLICY

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Consumerschoice.co.uk is an independent website, created to put consumers in touch with FCA-authorised debt management companies and Insolvency Practitioners in the UK. We are a lead generator only, we do not provide debt advice or debt solutions. Our service is 100% free to consumers.

The regulated third parties we work with will assess your circumstances and provide you with tailored advice on a range of debt solutions including; debt management plans (DMP), individual voluntary arrangements (IVA), trust deeds, bankruptcy, debt relief orders (DRO), full and final settlements and more.

Our mission is to provide options to those in financial distress, offering them practical and ethical solutions to assist them in making the right Financial Choices moving forwards. We believe in treating every client with respect and dignity, ensuring fairness and support for all. we are committed to delivering exceptional services. We aim to exceed expectations, making a positive impact on consumers knowledge. At Consumers Choice, we help our clients towards a brighter financial future, helping them navigate the stormy seas.

Consumers Choice is a trading style of Diamond Data Solutions Limited. Registered in England and Wales.

Registered Office: 35 Stanford New Road Altrincham. Co Reg No 09052376. ico za785650

Copyright © 2024 | Consumerschoice.co.uk. All rights reserved.

Why Do I Need A Will?

If you don’t have a will when you die, your money, property and possessions will be shared out according to the law instead of your wishes. This can mean they pass to someone you hadn’t intended.

If you aren’t married and don’t have a Will, your partner, regardless of how long you have been together or if you have children, will not inherit anything.

Do you need to change your Will?

It’s a good idea to review your Will every now and then to make sure it still says what you want it to say.

You should definitely review your Will if:

Worryingly, every year the number of people in the UK that do not have a Will goes up and up. Government figures indicate that almost 30 million adults in the UK have not made a Will… are you one of them?

Do I need a Trust?

If you are looking to leave an inheritance to your loved ones when you die, first and foremost you will need an up-to-date will.

However, sometimes even the best Will alone is not enough to ensure that the correct inheritance goes to the correct person/people and it maybe necessary to set up a trust.

Nobody hopes for the worst… but you can prepare for it.

What is a Trust?

A trust is a legal arrangement whereby your ‘trustee’ looks after assets for the intended ‘beneficiary’ for a period of time devised by you, typically until the beneficiary is deemed responsible enough to manage the asset which maybe when reaching a certain age. A trust can be for money or property being held for a set time period or indefinitely to provide an income or somewhere to live.

By placing assets into a trust also ensures that it actually goes where it is intended and when set up correctly can help reduce inheritance tax

What is Lasting Power of Attorney?

A Lasting Power of Attorney (LPA) is a legal document that gives your chosen representative (your partner, spouse or close friend for example) the power to make important decisions on your behalf.

If in the future you are unable to manage your own affairs, the people you have appointed can manage your financial life on your behalf. This can save a great deal of money and distress, and will ensure that, as a vulnerable person, your affairs will be handled correctly and quickly.

Nobody hopes for the worst… but you can prepare for it.

What Does an LPA Do?

An ‘LPA’ is a powerful tool that enables you to give your partner, children, sibling or close friend the power to ‘be you’ in the eyes of the law.

If you consider a Will as your wishes in death, the ‘LPA’ handles your wishes while you are still alive, but unable to make decisions for yourself.

There are many reasons why this might be the case, such as dementia, physical disability, an accident that leaves you incapacitated or even just a broken leg that stops you being able to go to the local bank!

How does it work?

An ‘LPA’ is a document signed by you, your attorney and witnesses. Once correctly signed, the document is ready to be registered with the ‘Office of the Public Guardian’, the government department who administer them.

The ‘LPA’ is 2 separate documents; one that deals with ‘Health & Welfare’ and the other that handles ‘Property & Financial Affairs’.

Funeral Plans

With funeral costs rising at an unprecedented rate in recent times and showing no signs of slowing down, a pre-paid funeral plan is the best way to beat rising costs and spare your family from worry and financial burden at an already difficult time.

You simply choose the funeral plan you want and secure it at TODAY’S prices. What’s more, you have the flexibility to pay for your plan over time and in a period of your choosing.

With no restrictions on age or medical conditions, a funeral plan offers the peace of mind in knowing that when the time comes, your loved ones need not be subjected to any unnecessary anxieties.

Speak to an expert at Right Insure today and we’ll take away all the hard work and find the best plan for you.

Why Choose a Funeral Plan?

Peace of Mind – Protect your family from financial burden at an already difficult time.

Significant Savings – Funeral costs rise on average by 8-12% each year. Fix costs at today’s rates and avoid ever increasing prices.

Get Covered in Minutes – Simple and transparent process.

Introduction

Consumers Choice takes the confidentiality of personal data seriously. Please contact us if you have any questions or comments on this privacy policy.

The Company's privacy policy sets out the ways Consumers Choice processes personal data. This privacy policy only relates to personal data collected by Consumers Choice via the websites it owns and operates. Any personal data collected by Consumers Choice is used in accordance with data protection legislation.

Consumers Choice is a trading style of Diamond Data Solutions Ltd
35 Stamford New Road
Altrincham
Cheshire
WA14 1EB

Contents

About our site

Our site enables people to request a quote or information for the products or services shown or selected on this site (the "Product").

The services that our site provides is to connect people who are looking to purchase the Products with relevant providers of the Products ("Service Providers").

How our site works

If you’d like to request and receive quotes or information for the Products ("Quotes"), please complete and submit our webform.

Once we’ve received your request, we’ll connect you with one or more relevant Service Providers. We’ll tell the Service Providers who you are, and your Product requirements, and they’ll then contact you directly with your requested Quotes or product information

We have a really clear consent statement as displayed on all web forms. This statement sets out the Service Providers that will contact you.

We only work with Service Providers once a legal contract in place. This is to ensure that they respect your data and rights by keeping your data secure and confidential, limiting their use of your data (i.e. to providing you with the requested Quotes), and not sharing your data with anyone else.

About Us

Diamond Data Solutions Ltd ("LI ltd", "we", "us", "our") is a company registered in England and Wales company number: 09052365, whose registered office address is at 35 Stamford New Road, Altrincham, Cheshire WA14 1EB

For the purposes of the General Data Protection Regulation (the "GDPR"), Diamond Data Solutions Ltd is the controller in relation to your data. We are registered as a controller with the UK Information Commissioner’s Office (ICO) under registration number ZA070597. You can confirm our registration here: www.ico.org.uk

What we don’t do with your data

Before confirming what data we collect, and why, please below a list of things we don’t do with it, unless clearly set out and explained in this Privacy Policy.

What data we collect, and how

If you complete our webform in order to request Quotes or product information, it will ask you for your contact details, such as list below,

Our webform will also ask for information regarding your product requirements (where relevant).

We may sporadically change our webforms, as a result of this they may ask you for other information. We will always make it clear in the webform what information we’re requesting, and we only request information that is relevant to your request, and the service that we’re providing.

We also store and share Internet Protocol (IP) addresses, as explained below. Every computer or device has an IP address – a unique number – which enables it to communicate with other computers and devices over the Internet.

We may monitor and/or record these calls for the purposes of quality control and staff training. Also, occasionally, we may need to provide Service Providers with limited access to such recordings in order to resolve disputes.

How we use your data

Service Providers we share your information with

Pacific Financial Solutions is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (http://www.fca.org.uk/s) under Reference: 688034

We use your data (described above) in the following ways.

To connect you with relevant service providers

As explained above, if you submit our web form, we’ll pass your request to one or more relevant Service Providers (named on the consent statement). We will do this in a secure way. For example, using HTTP Secure (HTTPS), which means the data is encrypted. The Service Providers then contact you directly with your quotes. They may contact you by telephone, text/SMS or email.

Before we pass your request to any Service Providers, our service may involve an element of automated decision-making. Our technology platform may automatically assess your Product requirements and pass your request to such Service Providers that would like to receive requests for Quotes at the time your request is made.

We store IP addresses in order to stop unwanted traffic (i.e. spam) to our site. For example, if we become aware that spam is coming from a particular IP address (i.e. computer or location), we can block that IP address. From time to time, we also share IP addresses with Service Providers to enable Service Providers to verify that requests for Quotes have come from a particular country.

You will always be given an opportunity to opt out of such messages before we send them, and we will not send such messages if you have opted out.

Receiving data from service providers

From time to time, Service Providers may return data to us. They may do this if they have a query regarding a request for Quotes that we have sent to them in order to enable us to resolve the query. They may also return data to us, together with confirmation on whether or not a product has been purchased, in order to enable us to improve our marketing. We may also use such data to create custom and lookalike/similar audiences, as explained above.

Working with suppliers

We work with a number of suppliers, who process data on our behalf. These include, email service providers and telephone number validation services. We have appropriate contracts in place with such suppliers to ensure the protection and confidentiality of data.

Cookies

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. At the bottom of this policy, we have included a table, setting out what cookies we use, and the purposes for which we use them.

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.aboutcookies.org or www.allaboutcookies.org.

To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.

Storing your data

We have a data retention policy, which clearly sets out how long we keep data for, and for what reasons.

We will keep your data only for as long as is necessary to fulfil the purpose/s for which it was collected in the first place, i.e. as set out in this notice.

For example:

Following the periods set out above, we will not use the data, save that we will hash/anonymise the same, and retain it for a further 3 years for compliance purposes.

Legal grounds

This notice sets out (above) how we use your data. Under the GDPR, controllers must have a valid lawful basis for each processing activity that they undertake. This section sets out our lawful basis for each activity.

Activity Lawful Basis under the GDPR Your Rights
To connect you with relevant Service Providers Consent To withdraw your consent, as explained below
The automated decision-making explained above Legitimate interests You have the right to object to processing based on legitimate interests
Using and sharing IP addresses Legitimate interests You have the right to object to processing based on legitimate interests
Receiving data from Service Providers Legitimate interests You have the right to object to processing based on legitimate interests

Under the Privacy and Electronic Communications (EC Directive) Regulations 2003 (PECR), we send such emails on the basis of the existing customer (soft opt-in) exemption.

In each case where we have identified legitimate interests as the legal basis for our processing, we have conducted a legitimate interests assessment.

Your rights

Under the GDPR, you have a number of rights. In relation to our site, and the service that we provide, those rights are set out in the table above. We further explain these rights, and your other rights, below.

Right of access

You have the right at any time to ask us for a copy of the personal information that we hold about you, and to check that we are lawfully processing it.

Right of rectification

If personal information that we hold about you is not accurate or is out of date and requires amendment or correction you have a right to have the data rectified or completed.

Right of erasure

In certain circumstances, you have the right to request that personal information we hold about you is erased (e.g. if the information is no longer necessary for the purposes for which it was collected or processed).

Right to object to or restrict processing

In certain circumstances, you have the right to object to our processing of your personal information. For example, if we are processing your information on the basis of our legitimate interests, and there are no compelling legitimate grounds for our processing which override your rights and interests.

Right of data portability

In certain instances, you have a right to receive any personal information that we hold about you in a structured, commonly used and machine-readable format.

Right to withdraw consent

In the limited circumstances where you may have provided your consent to the collection, processing and transfer of your personal information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. You can exercise this right by contacting us in any of below ways.

Email – info@consumerschoice.co.uk

Phone – 0800 847 7011

In Writing – Diamond Data Solutions Ltd, 35 Stamford New Road, Altrincham, Cheshire, WA14 1EB

Exercising your rights

If you wish to exercise any of your other rights under the GDPR, please email us at info@consumerschoice.co.uk . Alternatively, you can write to us at the address set out above, or inform us if you speak with us on the phone.

Our lead supervisory authority for the processing set out in this notice is the UK Information Commissioner’s Office (ICO). If you are unhappy with how we have processed your data, you have the right to make a complaint to the ICO.

Contacting us

If you have any questions regarding this notice, or any questions relating to data protection or privacy, you can contact us at info@consumerschoice.co.uk

Alternatively, you can write to us at the address set out above.

Changes to this notice

From time to time, we may update this notice.

Last reviewed: 19/06/2020 17:15:53

 

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