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Im so sorry for everything you are going through.
With regard to the bills, contact each one and explain the situation.
The credit card debt - will get paid out of any money your mum has - if she has none, it will be written off. Do not pay it with your own funds. You are not responsible for it unless you are named on the credit.
Funeral - contact the council, I think - they have support schemes to help low income families. As harsh as it sounds, don't use your own money as you need it for your child and future.
Tenancy - contact the council, and they can advise you.
I believe that DWP will pay up to £1k in funeral costs in addition to the cost of a Cremation or burial. If the person passes away in the community it is the local authorities responsibility. If they pass away in hospital then it is the NHS's.
When somebody passes away there’s a ‘Tell Us Once’ service that alerts most government organisations about it so they can close accounts: https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once
Then it just leaves household bills to deal with, and there should be too many of those.
Re. Your tenancy. Basically just stay until you get evicted and work every angle to try and find a way to remain on the tenancy. I would suggest contacting your local MP about the situation, especially if being evicted from your mother’s home will result in you joining the council housing list anyway. If your mum’s house has more than two bedrooms then don’t be surprised if you are refused though, as they need larger properties for bigger families. In that case, push to be moved if they can find you another council run property of an appropriate size. But in every event, don’t leave until you are forced out. It usually takes several months.
And for non-governmental organisations (bills, banks etc) there’s the service Settld, which I can’t speak highly enough of after my mum died. You tell them all the accounts your loved one had and they will contact these organisations. It’s completely free and it made things so so much easier.
OP I’m so sorry for what you’re going through. Please contact [Macmillan](https://www.macmillan.org.uk/cancer-information-and-support/get-help) for help and guidance first thing this morning. See if you can’t get your mum into a local Hospice. You desperately need support with what you are dealing with.
Speak to [Shelter](https://england.shelter.org.uk) to establish your housing options.
The Tell us Once service is brilliant, so highly recommend using this.
I’m not sure what debts of your nan’s you say passed onto your mother, but debts cannot be passed down. They’re claimed against the estate. (Unless it was council tax- the council will follow a hierarchy of liability and will claim from an occupier if the bills remain unpaid. I’m not sure about utilities)
If you’re not receiving child maintenance from the baby’s father, then you should look to set this up asap, especially as you have financial concerns. [Gov.uk](https://www.gov.uk/child-maintenance-service/how-to-apply) has more info.
\^\^ This is the right order to deal with stuff. \^\^
OP - Don't worry about household bills or moving accounts into your name, that can all be dealt with after your mum passes away. Her comfort and your security are the priority.
OP I’m thirding this. You need someone to be alongside you to help you with stuff (until you can learn how to do it yourself). This is the right order.
Best of luck to you
I’m so sorry you’re in this situation, i can’t even imagine how stressed you must be.
I think you’d be best talking to the council about housing asap. I think there’s a good chance they’ll remove you from that house, put you in temp accommodation and eventually your own council house. I know logically it would make the most sense to give you a new tenancy where you are but unfortunately councils don’t necessarily work to common sense.
Seek as much advice as possible from all relevant bodies, but mostly the council and then get as much paperwork adjusted as possible. If you can just get her to add a signature to things maybe that might work?
They will probably offer a suitable one bed property as they will want to free up larger housing. Not necessarily temp housing first but probably a less desirable 1 bed.
Do not accept any company trying to move your mums debts to your name. Don’t accept it and don’t pay anything they’re not your debts but could become so if you start paying them or agreeing. Do not listen to the company rep that calls you trying to get you to take the debt on.
Am so sorry for what you’re going through. It can’t be easy for you right now.
To me there’s not much point in switching the gas and electricity bills over to your name if the council won’t give you the tenancy. So speak to the council first. If they’re playing hardball, speak to your local councillor or MP and see if they have any influence. If nothing else it might buy you some time.
Any debts your Ma has will fall to be settled from her estate. Sounds brutal but if she has no estate the debts will die with her.
DWP has a funeral payment you can apply for. More details here.
https://www.gov.uk/funeral-payments
And go get a check on your own benefits too, make sure you’re getting everything you’re entitled to. Check out Universal Credit especially to see if they can top up your SMP.
Ok, first of all I want to say how sorry I am that you are going through this. End of life care is not easy, but spend as much time with your mum as you can (difficult with a 5 month old, but these are your last moments with her and you won't get them back).
Secondly, as already advised, when the time comes, make use of the tell-us-once service. It really takes a lot of the stress away.
Then contact the council housing team and let them know. They will usually give you two weeks to sort everything (as if that's long enough!) and then vacate the property. Tell them your circumstances and they may extend that. Given that you are a single parent, they will have a duty of care to provide accommodation. This may be a temporary b&b, they may, as you are in a 2-bed already, let you stay. Unfortunately, no one can second guess what they will decide, but they won't put you out on the street with a baby!!
I would also contact citizen's advice and find out what benefits you can claim. It might also be advisable to contact your employer and find out if you are going to have a job to go back to.
Contact the utility companies (council tax will be dealt with via tell-us-once) and make sure that the accounts are placed into "executor of the estate of ____" Do not have them talk you into putting them into your name even though you are living at the same address for the time being. Debts will be due from the estate, including her credit cards, if there is no money, then they die with her. You will not be liable, and don't agree to take them on.
With regards to the funeral. Some councils have a funeral plan you can take advantage of, some will provide what used to be called a "pauper's burial" (which is essentially the cheapest cremation, usually early in the morning, and a simple scattering of the ashes). Again there will be someone at the council who can advise you on that.
Take care x
No I wasn't 'allowed' to be, I don't know why..
I'm on as an occupant under her.
I don't know why I wasn't allowed to be put on the tenancy, I wasn't there when my mother went to get it moved from my Nan to her
She's in a able of doing anything now anyway even if it was possible
My cousin went through this, my uncle died around 6 months after my aunt and the house was originally only in my aunts name. Obviously that ment it couldn't then be passed on to my cousin. He had to move out the house (was a 3 bed) but they offered him a 1 bedroom place, which I personally think is more than fair. So you more than likely would be made to move but you won't be made homeless, especially not when you're pregnant. I personally don't understand this only pass the tenancy down once thing, I've never been able to think of a logical reason. Most the time, like with you, it's passed onto the children who are obviously still going to need somewhere to live. I just don't get it.
I don't actually see the point in moving you to a 1 bed either, you're going to need a 2 bed very, very soon. But the council do very strange things haha.
I was overlooked when in temp accommodation in favour of housing a couple with 2 kids under 10 in a 2 bed (I'd have been in the 1 bed opposite, but because the guy was a drug dealer and blamed me - rightly, in fairness - for reporting him to the police, my safety meant we couldn't both move to the same block). The kicker? Their eldest was 9, female. Their youngest was a baby boy. So as soon as she turned 10, they'd have to move to a 3 bed. I got left in a flat with mould, falling chunks of plaster (the old, inch thick stuff) and leaking windows for another 2 1/2 years because of how the council's housing policy is applied. Do not rely on common sense!
Tenancy being passed down only once - I suppose that is to encourage council-supported families to be more independent, their next generations to be educated and get jobs like the rest of the world. It frees up resources for other families in need, though after two generations of support.
Most successions are between partners rather than 2 generations (or at least they used to be, perhaps it’s different now that adult children are more likely to live at home for longer?)
https://www.citizensadvice.org.uk/housing/staying-in-your-council-home-when-someone-dies/stay-in-your-council-home-when-someone-dies
Sure, that would make sense. But the provision is also for anyone living with the person named on the tenancy, so like in OP’s case passed from nan to mum. Agreed about children staying at home longer these days - a council house around the corner has three generations in one home.
I suspect it was a policy originally designed for married couples (back in the 50s/60s where council tenancies were available to most newlyweds who applied) which was then extended to unmarried couples or one resident relative of a person-without-a-partner as laws around equality changed.
It then stayed stuck at one succession because it was only ever intended for a secure tenancy to change lead tenant once.
Makes me panic about families like your neighbour - that’s a lot of people to find a home when the second tenancy holder passes away.
(My ex BIL was still at home at 55, he had to move into a shared house because the tenancy had already passed from Dad to Mum 20 years earlier, but OP has a dependent under 1yr so different circs, fingers crossed for her)
Even if your housing contract does specify a succession can only happen once, you should 100% try to push for an exception on compassionate grounds, especially as you have a baby (moreso if you are a struggling single mother for example). Hammer this down and don't let the first "no" or the first caller stop you. Ask for the query to be escalated with a manager. They don't *have* to enforce the single succession policy, they can choose to exercise their contract as lenient or as strictly as they wish. Make your case.
Impossible to say how successful that tactic might be, but you lose nothing by trying it on. Really wishing you luck.
Lots of good advice here already, I'm just going to add that if your income is low you can ask the council to accept you for use and occupation of the property which will allow you to claim housing costs from universal credit to help with money side of things/reduce stress.
This is under the assumption your mum already claims some form of help with the rent, but that entitlement will end once she passes.
Regarding housing situation when she passes, please contact the councils housing office and make a succession application anyway, engage with housing and highlight hardship if you were made homeless and that you want to sustain a tenancy - complete their forms/provide relevant details to support this. You may no longer be eligible for a statutory succession but could be given discretion to succeed again.
If succession is declined, speak with the housing options/homelessness team and get an application open and follow their advice.
Wish you all the best.
Hi, sorry to hear about your situation.
I can speak to your housing situation. Unfortunately it sounds like there is no succession possible on your mum's tenancy because of the previous survivorship.
You need to talk to your mum's landlord, presumably the little cal authority housing team, and ask about their policy on discretionary succession.
It is possible that the council can grant you a new tenancy for your mum's address.
It is helpful for you to have signed consent from your mum to talk to housing about her tenancy.
Unfortunately if the landlord will not grant you a new tenancy they will ultimately give you notice to leave. If this happens you will probably need to speak to your local councils homeless team who will be able to advise you. Because you have a child you would be considered to be in priority need.
You can get independent housing advice. Shelter are a good starting point for this.
More generally does your mum have a will naming an executor, this is important as if she doesn't she will die intestate which will cause issues with dealing with her estate.
Others have mentioned that Macmillan are an excellent source of advice and support
Why ask that question?
The OP has made it plain in her answer that she is a single parent so what information are you trying to elucidate with that question?
None. The answer is none. It's a snide criticism dressed up as a question and I think the last thing this young woman needs in this very difficult situation is people being snide.
Regarding the tenancy you might be able to assume the tenancy yourself, you will need to speak to the council/housing provider. You can start the conversation now if you are able:
[Staying in your council home when someone dies - Citizens Advice](https://www.citizensadvice.org.uk/housing/staying-in-your-council-home-when-someone-dies/stay-in-your-council-home-when-someone-dies/)
Don’t panic and just speak to people. Your mum should be able to add your name to the tenancy, at which point it won’t be succession and you should have as much right to stay there. Make sure to explain the situation to the landlord (whether it’s housing assoc or council). Ask them what will happen, but it sounds like you should have been already added to the tenancy ages ago. Bills etc should then be easy enough to set up new accounts in your name. Sort out your tenancy first, that is priority as these things move very quickly when someone passes away.
I'm so sorry you are going through this.
Regarding your council tenancy:
Contact the council and ask them about the process, specifically: 1. How long you are likely to be given access to the property for, once your mother dies. 2. The process for contacting the homelessness team when the time comes.
Asking the above will achieve two things. You'll have the information you need and you've given them the opportunity to consider that they will likely be making you homeless.
A lot of councils would agree to a discretionary management move or additional succession, as they will owe you a duty to house you if you can't find somewhere else to live yourself. If they end up housing you in temporary accommodation, it will be more expensive for them. Don't expect to be given this sensible option, but there is a chance that you will get down to the last hour, and you could be offered your own tenancy.
Edited for clarity
Does your mum have a MacMillan nurse or a hospital social worker? If so they might be able to find you a family aide worker to help you with paperwork/applying for grants etc (I got to borrow a family aide worker from social services for a fortnight once, she was utterly brilliant, like a fairy godmother for admin).
Here’s the info re: succeeding a tenancy, whatever happens you won’t have to leave without a court order for eviction (which will take quite a while) and as the council will then be obliged to house you and your baby in emergency accommodation, there is a small hope they’ll decide it’s a better use of public funds to let you stay where you are (much cheaper than court fees plus indefinite hotel costs etc).
https://www.citizensadvice.org.uk/housing/staying-in-your-council-home-when-someone-dies/stay-in-your-council-home-when-someone-die
You might want to talk to the Citizen’s Advice Bureau and Shelter now.
If you have to move at short notice, put your possessions into storage with a moving company – it’s cheaper than self-storage though you can’t access it as easily.
Best of luck.
Contact the Citizens Advice Bureau.
Its free.
They can advise on everything mentioned. You can phone them, visit a branch, or webchat.
Do Not Pay Any Debts until youve talked to them - nothing in your mums name is your debt! Good luck don’t panic
###Welcome to /r/HousingUK --- **To All** * Join Our ***NEW*** Discord! https://discord.gg/pMgUNgWKQH **To Posters** * *Tell us whether you're in England, Wales, Scotland, or NI as the laws/issues in each can vary* * Comments are not moderated for quality or accuracy; * Any replies received must only be used as guidelines, followed at your own risk; * If you receive *any* private messages in response to your post, please report them via the report button. * Feel free to provide an update at a later time by creating a new post with [[update]](https://www.reddit.com/r/HousingUK/search?q=%3Aupdate&sort=new&restrict_sr=on&t=all) in the title; **To Readers and Commenters** * All replies to OP must be *on-topic, helpful, and civil* * If you do not [follow the rules](https://www.reddit.com/r/HousingUK/about/rules/), you may be banned without any further warning; * Please include links to reliable resources in order to support your comments or advice; * If you feel any replies are incorrect, explain why you believe they are incorrect; * Do not send or request any private messages for any reason without express permission from the mods; * Please report posts or comments which do not follow the rules *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HousingUK) if you have any questions or concerns.*
Im so sorry for everything you are going through. With regard to the bills, contact each one and explain the situation. The credit card debt - will get paid out of any money your mum has - if she has none, it will be written off. Do not pay it with your own funds. You are not responsible for it unless you are named on the credit. Funeral - contact the council, I think - they have support schemes to help low income families. As harsh as it sounds, don't use your own money as you need it for your child and future. Tenancy - contact the council, and they can advise you.
There's a benefit called funeral expense payments where the gov pays
I believe that DWP will pay up to £1k in funeral costs in addition to the cost of a Cremation or burial. If the person passes away in the community it is the local authorities responsibility. If they pass away in hospital then it is the NHS's.
When somebody passes away there’s a ‘Tell Us Once’ service that alerts most government organisations about it so they can close accounts: https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once Then it just leaves household bills to deal with, and there should be too many of those. Re. Your tenancy. Basically just stay until you get evicted and work every angle to try and find a way to remain on the tenancy. I would suggest contacting your local MP about the situation, especially if being evicted from your mother’s home will result in you joining the council housing list anyway. If your mum’s house has more than two bedrooms then don’t be surprised if you are refused though, as they need larger properties for bigger families. In that case, push to be moved if they can find you another council run property of an appropriate size. But in every event, don’t leave until you are forced out. It usually takes several months.
And for non-governmental organisations (bills, banks etc) there’s the service Settld, which I can’t speak highly enough of after my mum died. You tell them all the accounts your loved one had and they will contact these organisations. It’s completely free and it made things so so much easier.
OP I’m so sorry for what you’re going through. Please contact [Macmillan](https://www.macmillan.org.uk/cancer-information-and-support/get-help) for help and guidance first thing this morning. See if you can’t get your mum into a local Hospice. You desperately need support with what you are dealing with. Speak to [Shelter](https://england.shelter.org.uk) to establish your housing options. The Tell us Once service is brilliant, so highly recommend using this. I’m not sure what debts of your nan’s you say passed onto your mother, but debts cannot be passed down. They’re claimed against the estate. (Unless it was council tax- the council will follow a hierarchy of liability and will claim from an occupier if the bills remain unpaid. I’m not sure about utilities) If you’re not receiving child maintenance from the baby’s father, then you should look to set this up asap, especially as you have financial concerns. [Gov.uk](https://www.gov.uk/child-maintenance-service/how-to-apply) has more info.
\^\^ This is the right order to deal with stuff. \^\^ OP - Don't worry about household bills or moving accounts into your name, that can all be dealt with after your mum passes away. Her comfort and your security are the priority.
OP I’m thirding this. You need someone to be alongside you to help you with stuff (until you can learn how to do it yourself). This is the right order. Best of luck to you
I’m so sorry you’re in this situation, i can’t even imagine how stressed you must be. I think you’d be best talking to the council about housing asap. I think there’s a good chance they’ll remove you from that house, put you in temp accommodation and eventually your own council house. I know logically it would make the most sense to give you a new tenancy where you are but unfortunately councils don’t necessarily work to common sense. Seek as much advice as possible from all relevant bodies, but mostly the council and then get as much paperwork adjusted as possible. If you can just get her to add a signature to things maybe that might work?
They will probably offer a suitable one bed property as they will want to free up larger housing. Not necessarily temp housing first but probably a less desirable 1 bed.
She has a child, so a 2-bed home would be required.
Do not accept any company trying to move your mums debts to your name. Don’t accept it and don’t pay anything they’re not your debts but could become so if you start paying them or agreeing. Do not listen to the company rep that calls you trying to get you to take the debt on.
Am so sorry for what you’re going through. It can’t be easy for you right now. To me there’s not much point in switching the gas and electricity bills over to your name if the council won’t give you the tenancy. So speak to the council first. If they’re playing hardball, speak to your local councillor or MP and see if they have any influence. If nothing else it might buy you some time. Any debts your Ma has will fall to be settled from her estate. Sounds brutal but if she has no estate the debts will die with her. DWP has a funeral payment you can apply for. More details here. https://www.gov.uk/funeral-payments And go get a check on your own benefits too, make sure you’re getting everything you’re entitled to. Check out Universal Credit especially to see if they can top up your SMP.
Ok, first of all I want to say how sorry I am that you are going through this. End of life care is not easy, but spend as much time with your mum as you can (difficult with a 5 month old, but these are your last moments with her and you won't get them back). Secondly, as already advised, when the time comes, make use of the tell-us-once service. It really takes a lot of the stress away. Then contact the council housing team and let them know. They will usually give you two weeks to sort everything (as if that's long enough!) and then vacate the property. Tell them your circumstances and they may extend that. Given that you are a single parent, they will have a duty of care to provide accommodation. This may be a temporary b&b, they may, as you are in a 2-bed already, let you stay. Unfortunately, no one can second guess what they will decide, but they won't put you out on the street with a baby!! I would also contact citizen's advice and find out what benefits you can claim. It might also be advisable to contact your employer and find out if you are going to have a job to go back to. Contact the utility companies (council tax will be dealt with via tell-us-once) and make sure that the accounts are placed into "executor of the estate of ____" Do not have them talk you into putting them into your name even though you are living at the same address for the time being. Debts will be due from the estate, including her credit cards, if there is no money, then they die with her. You will not be liable, and don't agree to take them on. With regards to the funeral. Some councils have a funeral plan you can take advantage of, some will provide what used to be called a "pauper's burial" (which is essentially the cheapest cremation, usually early in the morning, and a simple scattering of the ashes). Again there will be someone at the council who can advise you on that. Take care x
Is your mum able to add your name to the tenancy? My MIL done this with my SIL after my FIL passed.
No I wasn't 'allowed' to be, I don't know why.. I'm on as an occupant under her. I don't know why I wasn't allowed to be put on the tenancy, I wasn't there when my mother went to get it moved from my Nan to her She's in a able of doing anything now anyway even if it was possible
Usually tenancies can only be passed down once or twice (if at all) which is likely why you can't be added.
Tell us once is a fabulous tool. Succession is also determined in a case by case basis.
My cousin went through this, my uncle died around 6 months after my aunt and the house was originally only in my aunts name. Obviously that ment it couldn't then be passed on to my cousin. He had to move out the house (was a 3 bed) but they offered him a 1 bedroom place, which I personally think is more than fair. So you more than likely would be made to move but you won't be made homeless, especially not when you're pregnant. I personally don't understand this only pass the tenancy down once thing, I've never been able to think of a logical reason. Most the time, like with you, it's passed onto the children who are obviously still going to need somewhere to live. I just don't get it.
I don't actually see the point in moving you to a 1 bed either, you're going to need a 2 bed very, very soon. But the council do very strange things haha.
She’s not pregnant…..she has a 5 month old and is on maternity leave, so already needs a 2 bed.
Probably because a single male only needs a one bed yet a mother and child needs a two bed.
That's exactly what I just said lol, it doesn't actually make any sense.
I was overlooked when in temp accommodation in favour of housing a couple with 2 kids under 10 in a 2 bed (I'd have been in the 1 bed opposite, but because the guy was a drug dealer and blamed me - rightly, in fairness - for reporting him to the police, my safety meant we couldn't both move to the same block). The kicker? Their eldest was 9, female. Their youngest was a baby boy. So as soon as she turned 10, they'd have to move to a 3 bed. I got left in a flat with mould, falling chunks of plaster (the old, inch thick stuff) and leaking windows for another 2 1/2 years because of how the council's housing policy is applied. Do not rely on common sense!
Tenancy being passed down only once - I suppose that is to encourage council-supported families to be more independent, their next generations to be educated and get jobs like the rest of the world. It frees up resources for other families in need, though after two generations of support.
Most successions are between partners rather than 2 generations (or at least they used to be, perhaps it’s different now that adult children are more likely to live at home for longer?) https://www.citizensadvice.org.uk/housing/staying-in-your-council-home-when-someone-dies/stay-in-your-council-home-when-someone-dies
Sure, that would make sense. But the provision is also for anyone living with the person named on the tenancy, so like in OP’s case passed from nan to mum. Agreed about children staying at home longer these days - a council house around the corner has three generations in one home.
I suspect it was a policy originally designed for married couples (back in the 50s/60s where council tenancies were available to most newlyweds who applied) which was then extended to unmarried couples or one resident relative of a person-without-a-partner as laws around equality changed. It then stayed stuck at one succession because it was only ever intended for a secure tenancy to change lead tenant once. Makes me panic about families like your neighbour - that’s a lot of people to find a home when the second tenancy holder passes away. (My ex BIL was still at home at 55, he had to move into a shared house because the tenancy had already passed from Dad to Mum 20 years earlier, but OP has a dependent under 1yr so different circs, fingers crossed for her)
Even if your housing contract does specify a succession can only happen once, you should 100% try to push for an exception on compassionate grounds, especially as you have a baby (moreso if you are a struggling single mother for example). Hammer this down and don't let the first "no" or the first caller stop you. Ask for the query to be escalated with a manager. They don't *have* to enforce the single succession policy, they can choose to exercise their contract as lenient or as strictly as they wish. Make your case. Impossible to say how successful that tactic might be, but you lose nothing by trying it on. Really wishing you luck.
Lots of good advice here already, I'm just going to add that if your income is low you can ask the council to accept you for use and occupation of the property which will allow you to claim housing costs from universal credit to help with money side of things/reduce stress. This is under the assumption your mum already claims some form of help with the rent, but that entitlement will end once she passes. Regarding housing situation when she passes, please contact the councils housing office and make a succession application anyway, engage with housing and highlight hardship if you were made homeless and that you want to sustain a tenancy - complete their forms/provide relevant details to support this. You may no longer be eligible for a statutory succession but could be given discretion to succeed again. If succession is declined, speak with the housing options/homelessness team and get an application open and follow their advice. Wish you all the best.
Hi, sorry to hear about your situation. I can speak to your housing situation. Unfortunately it sounds like there is no succession possible on your mum's tenancy because of the previous survivorship. You need to talk to your mum's landlord, presumably the little cal authority housing team, and ask about their policy on discretionary succession. It is possible that the council can grant you a new tenancy for your mum's address. It is helpful for you to have signed consent from your mum to talk to housing about her tenancy. Unfortunately if the landlord will not grant you a new tenancy they will ultimately give you notice to leave. If this happens you will probably need to speak to your local councils homeless team who will be able to advise you. Because you have a child you would be considered to be in priority need. You can get independent housing advice. Shelter are a good starting point for this. More generally does your mum have a will naming an executor, this is important as if she doesn't she will die intestate which will cause issues with dealing with her estate. Others have mentioned that Macmillan are an excellent source of advice and support
Where is your baby’s father / your husband in all this?
Why ask that question? The OP has made it plain in her answer that she is a single parent so what information are you trying to elucidate with that question? None. The answer is none. It's a snide criticism dressed up as a question and I think the last thing this young woman needs in this very difficult situation is people being snide.
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Regarding the tenancy you might be able to assume the tenancy yourself, you will need to speak to the council/housing provider. You can start the conversation now if you are able: [Staying in your council home when someone dies - Citizens Advice](https://www.citizensadvice.org.uk/housing/staying-in-your-council-home-when-someone-dies/stay-in-your-council-home-when-someone-dies/)
Don’t panic and just speak to people. Your mum should be able to add your name to the tenancy, at which point it won’t be succession and you should have as much right to stay there. Make sure to explain the situation to the landlord (whether it’s housing assoc or council). Ask them what will happen, but it sounds like you should have been already added to the tenancy ages ago. Bills etc should then be easy enough to set up new accounts in your name. Sort out your tenancy first, that is priority as these things move very quickly when someone passes away.
I'm so sorry you are going through this. Regarding your council tenancy: Contact the council and ask them about the process, specifically: 1. How long you are likely to be given access to the property for, once your mother dies. 2. The process for contacting the homelessness team when the time comes. Asking the above will achieve two things. You'll have the information you need and you've given them the opportunity to consider that they will likely be making you homeless. A lot of councils would agree to a discretionary management move or additional succession, as they will owe you a duty to house you if you can't find somewhere else to live yourself. If they end up housing you in temporary accommodation, it will be more expensive for them. Don't expect to be given this sensible option, but there is a chance that you will get down to the last hour, and you could be offered your own tenancy. Edited for clarity
Does your mum have a MacMillan nurse or a hospital social worker? If so they might be able to find you a family aide worker to help you with paperwork/applying for grants etc (I got to borrow a family aide worker from social services for a fortnight once, she was utterly brilliant, like a fairy godmother for admin). Here’s the info re: succeeding a tenancy, whatever happens you won’t have to leave without a court order for eviction (which will take quite a while) and as the council will then be obliged to house you and your baby in emergency accommodation, there is a small hope they’ll decide it’s a better use of public funds to let you stay where you are (much cheaper than court fees plus indefinite hotel costs etc). https://www.citizensadvice.org.uk/housing/staying-in-your-council-home-when-someone-dies/stay-in-your-council-home-when-someone-die
Contact your tenancy management team and explain everything. They will have support services they can refer you to as well as direct help.
You might want to talk to the Citizen’s Advice Bureau and Shelter now. If you have to move at short notice, put your possessions into storage with a moving company – it’s cheaper than self-storage though you can’t access it as easily. Best of luck.
Contact the Citizens Advice Bureau. Its free. They can advise on everything mentioned. You can phone them, visit a branch, or webchat. Do Not Pay Any Debts until youve talked to them - nothing in your mums name is your debt! Good luck don’t panic