How to forge a Will

The title of course is tongue-in-cheek, but it seems that from all of the news lately, there has been a sudden spate of estate disputes and legal challenges. Either because a Will has been forged, signed under duress or written by somebody without the capacity to write the Will. These cases demonstrate that the prospect of an inheritance can bring out the worst in people, create rifts in families, and can result in very expensive legal battles that serve nobody other than the lawyers.

It starts with the bizarre trial of Peter/ Tony Chan who was convicted of forging the Will of Nina Wang – once Asia’s richest woman. Trying to forge a $4 Billion Will is a tricky crime to get away with, and it resulted in a 12 year jail sentence. But Mr Chan was not alone. Next was the Will of Harinder Singh Brar, Maharaja of Faridkot, with another $4 Billion estate. This time it was a team of staff members who connived to leave the entire estate to themselves in Trust, but the courts ruled that the Will was made under duress and therefore illegal.

However, it’s actually more likely that a Will would be manipulated or forged for a more modest estate, and this was the topic of a recent article in the Daily Telegraph discussing the rapid increase in legal battles over estates. There are three key reasons for this rise; firstly, the size of the average estate in the UK has risen from £150k to £265k in a decade. In addition, people are starting to depend on an inheritance as part of their own financial plan – consumer debt is rising and many are banking on an inheritance to get themselves out of debt. And finally, society in general has become more litigious over the years.

Contrary to popular opinion, writing a Will through an online service does not make the document any more likely to be challenged. In fact, just recently, a Will drawn up by a solicitor while in the presence of one daughter, was deemed invalid as the testator did not have mental capacity to write the Will. Turns out that the daughter (who happened to be a magistrate) put pressure on her mother to disinherit the other children. Oh, and she had to pay back the £18,000 in gifts she received in the last few months of her frail life. The real tragedy of this story though is that the estate was worth about £200k, and the whole lot disappeared in legal fees. The whole estate went to the lawyers.

There are some lessons to be taken from this troubling stories. Most importantly, write your Will when you are young enough and have the mental capacity to do it. People procrastinate with their Will writing, thinking that they will prepare it when they are older. We hear all the time people saying “fortunately, I don’t need a Will yet?”. Obviously you don’t, you don’t need a Will until you die, but it’s too late to write one then.

This is one of the reasons that online services like those offered by LegalWills.ca, USLegalWills.com and LegalWills.co.uk are becoming increasingly popular. They allow you to prepare your Will in your own time, on your own terms, but also allow you to update your Will throughout your life, as often as you wish. It makes sense to prepare a Will today, and then just update it as circumstances change.