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Kylie Cox

DIY Wills - Why Writing Your Own Will is a Risky Gamble

Updated: Aug 18

Will Writing Category

Creating a Will might seem like a straightforward task. After all, it's just a document outlining your wishes for your assets after you pass away, right? Wrong. The reality is that drafting a legally sound Will is a complex process that requires a deep understanding of legal intricacies, tax implications, and potential challenges.


In today's world, where DIY solutions are at our fingertips, creating your own will might seem like a great idea. Online templates and legal forms make it look easy and budget-friendly.


However, there are hidden dangers that can turn this seemingly simple task into a legal and financial nightmare. Let’s take a look at why drafting your own will can be risky, with real-life court cases that highlight the importance of professional help.


1. Meeting Legal Requirements

In England and Wales, specific rules must be followed for a Will to be legally valid:

  • Witnesses: The will must be signed in the presence of two independent witnesses.

  • Signatures: The testator and the two witnesses must sign the will.

  • Capacity and Intention: The testator must have the mental capacity to make the will and intend for it to be valid.

Failing to meet these requirements can render your will invalid, resulting in your estate being distributed according to intestacy rules, which might not reflect your wishes.


Case Study: In the case of Re Whelen, the court found a gift in a Will as being invalid because one of the witnesses was also a beneficiary. This error meant the estate was partially distributed under intestacy rules, not as the deceased had intended and the beneficiary missed out all together!


2. Complex Family Situations

Family situations can be complicated. Blended families, estranged relatives, or special needs dependents need special consideration. A DIY will might not handle these complexities well, leading to disputes and even legal battles among your loved ones.


Case Study: In Ilott v The Blue Cross & Others, a mother’s will, drafted without professional guidance, completely excluded her estranged daughter. The daughter contested the Will under the Inheritance (Provision for Family and Dependants) Act 1975 and was awarded a substantial sum, highlighting the need for clear and careful drafting.


3. Unclear Language and Missing Details

Legal language is designed to be clear and precise. When writing your own will, it’s easy to use vague language or forget important details. This can cause confusion and parts of your Will might be contested or ignored. Leaving out crucial information, like alternate beneficiaries or specific instructions, can lead to unintended outcomes.


Case Study: In Marley v Rawlings, a simple error where a husband and wife signed each other's Wills instead of their own led to extensive legal battles. The Supreme Court eventually resolved the issue, but it highlighted the risks of DIY wills and the importance of precise language.


4. Forgetting Important Assets

DIY wills often miss certain types of assets, such as:

  • Digital assets: Online accounts, cryptocurrencies, and digital media need specific instructions.

  • Personal property: Sentimental items can be easily forgotten, causing family disputes.

  • Trusts and business interests: These complex assets need detailed handling that a simple will might not cover.


Case Study: In Re X (2016), a Will overlooked substantial digital assets, causing significant difficulty for the executors in accessing and distributing these assets according to the deceased's wishes.


5. Tax Issues

An improperly drafted Will can create significant tax burdens for your estate and your beneficiaries. Inheritance tax (IHT) planning is crucial to minimise the tax payable on your estate. Professional estate planners can help structure your will to reduce IHT and ensure your heirs get the most benefit.


Case Study: In RSPCA v Sharp, the deceased’s DIY Will did not take into account potential inheritance tax implications, resulting in a larger tax bill and reduced inheritance for the beneficiaries. Professional advice could have mitigated this issue.


6. Probate Problems

Probate is the legal process of validating a Will and managing the estate. A poorly drafted Will can cause delays, increase costs, and might even be invalidated. Courts may have to step in to interpret unclear provisions, which can be time-consuming and expensive.


Case Study: In Thorn v Dickens, the ambiguity in the deceased’s homemade Will led to significant delays and legal costs during the probate process. The court's intervention was necessary to interpret the unclear provisions, which could have been avoided with professional drafting.


7. Changing Laws

Laws around Wills and estates can change. A Will that’s valid today might not meet legal requirements in the future. Legal professionals stay updated on these changes and can advise you on necessary updates to keep your Will valid.


Case Study: In Walker v Innospec Limited and others, changes in pension laws affected the distribution of the deceased’s estate. A professionally drafted Will could have anticipated such changes, ensuring the testator’s wishes were fully met.


8. Lack of Legal Safeguards

Professionally drafted Wills often include safeguards to prevent challenges from unhappy heirs. Clauses like "no-contest" provisions can discourage beneficiaries from contesting the Will, protecting your estate from costly legal battles.


Case Study: In Gill v Woodall, a challenge to a homemade Will led to a lengthy and costly dispute. A professional could have included clauses to safeguard against such challenges, protecting the estate and ensuring a smoother probate process.


Summary:

Why DIY Wills Can Be Disastrous:

  • Legal Errors: Wills are subject to specific legal requirements. A minor oversight, such as incorrect witnessing or improper language, can invalidate your entire Will.

  • Tax Implications: Estate taxes and inheritance taxes can significantly impact your beneficiaries. Without expert advice, you might inadvertently leave your loved ones with a hefty tax bill.

  • Family Disputes: Ambiguous or unclear language in a Will can lead to disputes among family members, creating emotional and financial turmoil.

  • Changing Circumstances: Life is unpredictable. A DIY Will may not account for future changes such as marriage, divorce, or the birth of children, leaving your estate vulnerable.

  • Lack of Expert Guidance: A solicitor can provide invaluable advice on estate planning, asset protection, and tax-efficient strategies.


Peace of Mind with a Professional Will

By entrusting the creation of your Will to a qualified and experienced practitioner, such as Toucan Law, you gain:

  • Legal Expertise: A professional ensures your Will complies with all legal requirements, protecting your wishes.

  • Tax Efficiency: They can help you structure your Will to minimise inheritance tax liabilities.

  • Clarity and Precision: A professionally drafted Will is clear and unambiguous, reducing the risk of disputes.

  • Comprehensive Planning: A professional will consider all aspects of your estate, including complex assets and family situations.

  • Peace of Mind: Knowing your affairs are in order provides comfort and reassurance for you and your loved ones.


While DIY Wills might seem like a cost-saving option, the potential consequences far outweigh the initial savings. Investing in a professionally drafted Will is an investment in your family's future and peace of mind.


Remember: A Will is a crucial document that will impact your loved ones for years to come. Don't take any chances. 

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