Life events

If you’ve recently lost someone close to you who was a client of Quilter Cheviot, we’re sorry for your loss and want to support you through this difficult time. It’s essential to notify the relevant companies – including us, insurance companies, pension providers, as well as your personal banks and or building societies.

We can help by contacting your Investment Manager or Financial Planner (or their support teams), we can start the ball rolling on contacting the financial providers with whom we have contact. If you aren’t sure of your Investment Manager or Financial Planner's contact details, email us at bereavement_qc@quiltercheviot.com and provide us with the name of the deceased and their postcode and date of birth and we’ll find you the right person to talk to.

If you would prefer, please complete the bereavement form. We will ask for the following information regarding the person you have lost:

• Their name
• Their postcode
• Name of their Investment Manager and/or Financial Planner (if known)
• Their account number(s) of policies they hold through us (if known)

We will follow up with you once we receive this information and let you know the next steps.

For further support visit:

• Get help with grief after bereavement or loss - NHS
• Bereavement Advice Centre | Free Helpline
• Home - Cruse Bereavement Support
• Bereavement Services: Free Support for Bereaved People

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You may be looking after a family member, friend or doing this in a professional capacity.

If you are a carer contacting us on behalf of one of our clients, we will be happy to discuss the account and our processes in general terms.  If contact is by phone and our client can complete some security questions with us, we can accept their permission to talk to you.  This permission will only apply during that call.  Should you wish to add this person to your account so that we can continue to discuss your investments with them on your behalf on an ongoing basis, we can do this by adding them as a third party to your account using this form . Please liaise with your Investment Manager or Financial Planner for further guidance on what the requirements are.

Additional support for carers can be found here:

Carers UK link and phone number – UK | Carers UK - 0808 808 7777

Family carers Ireland link and phone number – Home - Family Carers Ireland - 1800 24 07 24

Homepage - Carers Jersey

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A breakdown of a relationship can be both emotionally and financially for all parties concerned.

The decision may have been yours, your partner’s or even a mutual one. Whatever the circumstances, it can feel like a daunting process with many elements to take into account such as the emotional wellbeing of children, or who a much-loved family pet will live with.

Other considerations are the fair distribution of savings, investments, shared property ownership or any outstanding bills or loans.

We can help you understand the processes for how to manage this distribution, for example how you can split jointly held investments in to separate individual ones should you choose to do so, and help with updating details like your name, address, and phone number.

Divorce can feel like a daunting process with many elements to consider. As your main point of contact, your Investment Manager or Financial Planner can guide you through this process. Rest assured, we are experienced in working with lawyers and accountants and can help manage divorce settlements during this complex and sometimes emotionally charged process.

For further support visit:

• Money and property when you divorce or separate: Getting a financial agreement - GOV.UK
• Deciding what to do when you separate - Citizens Advice
• Divorce | Quilter Cheviot

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If you feel frightened of, or controlled by, a partner, family member, or an ex-partner, you may be feeling isolated or alone.

Domestic abuse can take different forms including:

• Physical abuse
• Sexual abuse
• Financial abuse
• Coercive and controlling behaviour
• Gaslighting / emotional abuse
• Isolating someone from friends and family

You are not alone. There is help and support available and there is no shame in seeking help. We have listed some external support contacts below that you might find helpful.

You can contact us when it best suits you.  We will avoid contacting you so that you can ensure that you are alone when contacting us.

We can ensure that we will only deal with you with regards to your investments and will ensure that all requests for payments will require a call back from us to you to confirm. 

If you are living in fear, anxiety or are being threatened, further support is available:

• Refuge or Women's Aid
  Contact Refuge on 0808 2000 247 at any time
• Advicelink (Wales): 0800 702 2020
• Men's Advice Line on 0808 801 0327 between 9am to 5pm, Monday to Friday.
• Homepage - National Domestic Abuse Helpline
• Domestic abuse - Victim Support
• Domestic Violence & Abuse · Emergency Injunction Service
• Domestic violence and abuse - getting help - Citizens Advice
• Getting help for domestic violence and abuse - NHS

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This is sometimes referred to as “the silent weapon”, where financial abuse can be used in toxic relationships to financially control a partner’s access to economic resource. It can make the individual financially/economically dependent upon the perpetrator which limits their ability to escape and access safety. 

Another form is elderly financial abuse, which occurs when an elderly individual is financially exploited by friends, family members, caregivers or doorstep traders.

Possible signs are:

• Attempted fraudulent withdrawals from your account
• Forged signatures
• Recommendations made by new a new friend/partner/relative that do not make financial sense to you.

If you are concerned that someone is not acting in either yours or a loved one’s best interest, please talk to your Investment Manager or Financial Planner about it, but wait for a time that you are alone.  Financial abusers tend to stay close during conversations with finance companies.

If you suspect this is happening to you, a friend or family member, here's how we can help:

• Confidential Assistance: if you suspect financial abuse, contact us privately to discuss safety concerns. Financial abusers tend to stay close during conversations with financial firms. 
• Combatting Elderly Financial Abuse: we help safeguard against the financial exploitation of older people. Possible signs are attempted fraudulent withdrawals from your account, forged signatures, or recommendations made by a new friend/partner/relative that do not make financial sense to you.
• Additional support: seek guidance from organisations like Surviving Economic Abuse and Action on Elder Abuse for further support. 

If you are living in fear, anxiety or are being threatened, help is available from:

• Refuge or Women's Aid
  Contact Refuge on 0808 2000 247 at any time
• Advicelink (Wales): 0800 702 2020
• Men's Advice Line on 0808 801 0327 between 9am to 5pm, Monday to Friday.
• Surviving Economic Abuse: Transforming responses to economic abuse
  England: 0808 2000 247
  Wales: 0808 8010 800
  Scotland: 0800 027 1234
  Northern Ireland: 0808 802 1414
• Protect yourself and loved ones from elderly abuse and neglect | Age UK
• Report abuse of an older person - GOV.UK
• Action on Elder Abuse is now Hourglass | Hourglass – 07860 052906 / 0808 808 8141
• Financial abuse: spotting the signs and leaving safely

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You or someone you know may be a victim of romance fraud. Romance fraud occurs when you think that you have met the perfect person/partner online, but they are using a fake profile to form a relation with you. They gain your trust over several weeks or months to eventually get your money or personal information.

Key warning signs of romance fraud:

• Too fast, too soon: the relationship moves incredibly quickly, with intense affection and declarations of love ("love bombing") without having met in person.
• Avoiding meetings & video calls: they constantly make excuses to avoid meeting in person or appearing on video, often citing, say, military, medical, or international business projects.
• Moving off-platform: they urge you to stop using the secure dating site to communicate, pushing for WhatsApp, text, or email instead.
• Emotional & financial requests: they create emotional emergencies (e.g., medical bills, travel costs, visas, or debt) and ask for money via bank transfer, vouchers, or cryptocurrency.
• Too good to be true: profile pictures look like models or actors. Using Google Reverse Image Search or TinEye may reveal the photos belong to someone else.
• Urging secrecy: they may ask you to keep the relationship private from friends and family to prevent you from getting external advice. 

If you suspect fraud:

• Stop: never send money, bank details, or share intimate photos.
• Check: use search engines to verify their story and pictures.
• Report: report the account to the dating site, report to Action Fraud, and notify your bank immediately if you have sent money

For further support visit:

• Romance fraud | Crimestoppers
• Romance fraud - Report Fraud
• Romance fraud | Metropolitan Police
• Romance fraud | Neighbourhood Watch Network

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Whether it's for you or a loved one, we can help you plan the transition to residential care.

• Adapting your financial plan or investments: talk to your Financial Planner or Investment Manager as early as possible if you think you might benefit from help planning for the cost of care or if you know when you might want to draw down to cover these costs.
• Address update: if you have moved, let us know your updated address details for accurate communication and enhanced security during calls. Warning: when contacting us from residential care, ensure you’re in a private setting to safeguard your information.
• Tailored communication: enquire about online services for personalised assistance. If you need guidance to register, please contact your Financial Planner or Investment Manager.

Should you wish to add a trusted person to your account so that we can discuss your investments with them on your behalf/alongside you, we can do this by adding them as a third party to your account using this form and we can also add a Power of Attorney to your account.  Please liaise with your Investment Manager or Financial Planner for further guidance on what are requirements are.

For further support visit:

• Age UK | Let's change how we age – 0800 055 6112
• Age UK Advice Line – 0800 678 1602

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If you suspect you have become a victim of identity theft or have had your emails hacked or post stolen, it’s essential to act quickly. 

Fraudsters have sophisticated systems in place to acquire your information in various ways. Look out for: 

• A bill for a purchase you did not make.
• New Direct Debits.
• Small withdrawals that may take time to notice.
• Problems with your credit rating.

If you think you've been a victim of identity theft, take the following five steps: 

• Step 1 - inform your bank and credit card company.
• Step 2 - request a copy of your credit file to look for activity.
• Step 3 - report the theft of personal documents and suspicious credit applications to the police and ask for a crime reference number.
• Step 4 – contact us on 0207 150 4000 or contact your Investment Manager or Financial Planner to report your concerns.
• Step 5 - contact CIFAS (the UK's Fraud Prevention Service) to apply for protective registration.

Ensure you notify your Investment Manager or Financial Planner so that any requests received via email can be followed up with a telephone call with you to ensure that this is a genuine request.  We will ensure that we will only communicate with you in a manner that you request e.g. all communications via telephone only.

For further support visit:

• CIFAS– The UK’s Fraud Prevention Service
• Action Fraud (England, Wales, and Northern Ireland)
• Police Scotland
• Garda National Economic Crime Bureau (Ireland)

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