Janet, you raise a good point because it's not always a relative or family member who know the affairs of the deceased. Quite often it's somebody who doesn't know the affairs of the deceased and that makes it that much more daunting because they don't know which department to get in touch with, necessarily, not knowing what the state of circumstances are with the deceased.
I was mindful of a circumstance in a scenario that was raised by the funeral association the other day about the person who is representing the estate and three, four, nine, or ten months later finds a lot of money in the account of the deceased, not realizing that there were payments that were being made to the deceased even after the point of death, which has to be returned. I thought about those circumstances where the money is easily returned, or indeed the money is not returned at all, and the government is using staff to try and recover that money. I thought, if that's eliminated at the point of death, there are savings found right there.
Have any of the three of you ever experienced, either yourselves or with those who have used your services, people who found themselves in receipt of that money and had to return it?