(UK) If I overdraw the maximum in my bank account and max out my credit cards before I go, is there recourse for this £ to be taken away after I ctb?

[ManicPanic2018]

As a young adult I don't really have any savings to speak of. I'm not far off living paycheck to paycheck, especially with the current cost of living crisis.

I was planning that before I ctb, I will withdraw as much money as I can from my bank account (Including overdraft) and max out what I can on my credit cards. I plan on giving this to my ex housemate / partner who I know will be hit hard by my death. I'll likely only have a couple of thousand pounds to give her which I plan on leaving behind and referencing where it is in my goodbye letter to her. It's not much, but I expect it will help her out for a while with rent and all that.

A quick google tells me that debt is not inherited on death in the UK, so I'm assuming that this plan would work and the money wouldn't be able to be touched. Even in there were legal issues, It's only a couple of thousand. I doubt that'd warrant any investigation or attempts to reclaim it by a bank. What I'm worried about is if I referenced this money in a goodbye letter ot this person, it potentially being intercepted by police and her not getting the money.

Just wondering if I'm worrying too much or if there's anything I'm unaware of that could fuck me here? Many thanks.

 

[jodes2]

It should work in theory, but that doesn't mean they won't try to get the money back. It might be necessary for your partner to get a lawyer which would eat into the money

 

[securit]

can they take any property you own

 

[ManicPanic2018]

can they take any property you own

From what I understand, in the UK, no. But this is just what I've found on google so I'm really not sure.

It should work in theory, but that doesn't mean they won't try to get the money back. It might be necessary for your partner to get a lawyer which would eat into the money

Hmmm. Not sure if that's the kind of stress I'd want to put her under. Not sure if they'd really chase a few grand either. Interesting one.

 

[The Abyss]

I would of thought they'd expect your family or whoever you gave it to; to pay up.

If there happened to be an investment sent across or physical goods or something that's another matter.

Where it could get messy is police assuming you was murdered for financial gain & made to look like a suicide.

A simple PayPal account usb details or suitcase in a rented locker would be better with key left behind.

It's on the person to shut up & wait though.