0:00:03 > 0:00:06In London, the heir hunters have found an unclaimed estate
0:00:06 > 0:00:07on the Treasury's list
0:00:07 > 0:00:12that could be worth anything from 5,000 up to many millions of pounds.
0:00:12 > 0:00:15Their job is to find the long-lost relatives
0:00:15 > 0:00:18who have no idea they could be in line for a windfall.
0:00:18 > 0:00:20Could they be knocking at your door?
0:00:38 > 0:00:42On today's programme, mistakes, confusing family trees
0:00:42 > 0:00:46and common surnames all make the heir hunters' job that much harder.
0:00:48 > 0:00:51Sorry, I've got the wrong family and I do apologise.
0:00:52 > 0:00:53So that's all wrong.
0:00:54 > 0:00:57And a case that has taken over 20 years to solve,
0:00:57 > 0:01:00the estate of Elizabeth Mukerji,
0:01:00 > 0:01:04whose extended family had friends in very high places.
0:01:04 > 0:01:08He was the first Indian to be elected to the House of Commons.
0:01:09 > 0:01:12And how you could be entitled to unclaimed estates
0:01:12 > 0:01:15where beneficiaries need to be found.
0:01:15 > 0:01:18Could you be in line for a cash payout?
0:01:26 > 0:01:32Every year in the UK, an estimated 300,000 people die without leaving a will.
0:01:32 > 0:01:34If no relatives are found,
0:01:34 > 0:01:37then any money that's left behind will go to the government...
0:01:40 > 0:01:44and last year, they made £12 million from unclaimed estates.
0:01:44 > 0:01:49But there are over 30 specialist firms competing to stop this happening.
0:01:49 > 0:01:51They're called heir hunters
0:01:51 > 0:01:55and they make it their business to track down missing relatives
0:01:55 > 0:01:58and help them claim their rightful inheritance.
0:01:58 > 0:02:00For us, every case is a gamble
0:02:00 > 0:02:03because we don't know how much each case is worth.
0:02:03 > 0:02:06We don't know how much work we're going to have to do
0:02:06 > 0:02:09and sometimes, we may not even get the reward.
0:02:09 > 0:02:11Sometimes, the reward may be very, very good.
0:02:15 > 0:02:17It's a Thursday morning in London,
0:02:17 > 0:02:21and overnight, the Treasury has advertised a new list of names
0:02:21 > 0:02:23of people who have died without leaving a will.
0:02:23 > 0:02:27- There's definitely no death for her? - No.
0:02:27 > 0:02:31The staff at heir-hunting company Fraser and Fraser are in the office early.
0:02:31 > 0:02:34Partner Neil is trawling through the list of names
0:02:34 > 0:02:38but it's an unpromising start.
0:02:38 > 0:02:42None of the addresses I've got
0:02:42 > 0:02:46appear to be for deceaseds who owned their own property.
0:02:46 > 0:02:49This means the team must quickly research
0:02:49 > 0:02:51each of the 16 new names more thoroughly
0:02:51 > 0:02:55to discover whether any of them did indeed own a house,
0:02:55 > 0:02:59as more often than not, it is this that will make up the value of an estate.
0:03:01 > 0:03:05- This guy marries in '45.- Where?
0:03:05 > 0:03:07The team's extra research has paid off.
0:03:07 > 0:03:10It's a case Neil thinks could have potential.
0:03:10 > 0:03:14Edith Hilda Cator died in 2009
0:03:14 > 0:03:17and there is the sale of a house attached to her name.
0:03:17 > 0:03:20House sold in 2002.
0:03:22 > 0:03:25But her address is a nursing home.
0:03:25 > 0:03:28The team are debating if this is where her money may have gone.
0:03:28 > 0:03:31- Yeah.- She's been there for a few years.
0:03:31 > 0:03:34She's been there for three years at £30,000 a year.
0:03:34 > 0:03:38If the deceased spent her final years in a private nursing home,
0:03:38 > 0:03:41whatever wealth she may have accrued through property
0:03:41 > 0:03:43could now be all gone.
0:03:44 > 0:03:46Let's call the whole thing off.
0:03:47 > 0:03:49It may not be the most promising start
0:03:49 > 0:03:51but Dave gets to work,
0:03:51 > 0:03:55chasing the care home to verify just how long Edith could have been there.
0:03:55 > 0:03:58Meanwhile, Neil does the maths.
0:03:59 > 0:04:02A case like this, which is possibly £50,000,
0:04:02 > 0:04:07may gain Fraser and Fraser £5,000 worth of fees,
0:04:07 > 0:04:10which as long as we finish the research today, is all right.
0:04:10 > 0:04:12Huge gamble
0:04:12 > 0:04:15and we have to be very careful when we take on these gambles.
0:04:15 > 0:04:18But it's a gamble Neil's willing to take.
0:04:23 > 0:04:28Edith Hilda Cator died of a stroke in 2009 aged 85
0:04:28 > 0:04:31and she left no will.
0:04:33 > 0:04:36She'd lived in Watford, Hertfordshire.
0:04:36 > 0:04:39Friend Janet Fowler had known Edith for over 50 years.
0:04:39 > 0:04:42They first met working alongside each other in a factory.
0:04:42 > 0:04:46I do miss her an awful lot, I do. Yeah.
0:04:47 > 0:04:51After the job finished, Janet didn't see Edith for years
0:04:51 > 0:04:54but then one day bumped into her in town
0:04:54 > 0:04:56and their friendship was rekindled.
0:04:56 > 0:05:01And then I more or less visited her quite a lot after that.
0:05:01 > 0:05:03Paid bills for her, whatever had to be paid,
0:05:03 > 0:05:06did her shopping, did her washing.
0:05:06 > 0:05:09I mean, when I saw her, her face just lit up, anyway.
0:05:09 > 0:05:14If it was a rainy day, she would give me the money for a taxi home
0:05:14 > 0:05:20and if it was a sunny day, I'd say, "No, not today, Edie, I'll get the bus home."
0:05:20 > 0:05:22And she was very considerate like that, really.
0:05:22 > 0:05:24Yeah, she was, yeah.
0:05:24 > 0:05:26Yeah, she was.
0:05:28 > 0:05:31The team know that Edith lived and died in Watford
0:05:31 > 0:05:35and having previous addresses of the deceased is a big help
0:05:35 > 0:05:36to the heir hunters.
0:05:37 > 0:05:42With this in mind, case manager David Pacifico puts in a call to Ewart,
0:05:42 > 0:05:44one of the company's travelling heir hunters,
0:05:44 > 0:05:47who, fortunately, lives in Watford.
0:05:47 > 0:05:51We've got a case called Cator coming out in a place called Watford.
0:05:55 > 0:05:59Ewart Lindsay is one of the company's squadron of senior researchers,
0:05:59 > 0:06:02who are willing to go wherever a case takes them.
0:06:03 > 0:06:07Based all over the UK and abroad, their job is to follow the clues
0:06:07 > 0:06:09and sniff out potential heirs
0:06:09 > 0:06:12and inform them of their deceased relative's estate.
0:06:14 > 0:06:16She ended up in a nursing home in Watford.
0:06:17 > 0:06:21We've also got a previous address for her
0:06:21 > 0:06:24within the Watford area, so I'm heading to that address
0:06:24 > 0:06:27to see what I can actually find out about her.
0:06:29 > 0:06:34Back in the office, the team start to try and build a family tree for Edith.
0:06:35 > 0:06:37They've discovered that she married twice
0:06:37 > 0:06:40but the initial research into census and birth records
0:06:40 > 0:06:42isn't what Neil wanted to hear.
0:06:42 > 0:06:45It doesn't look like she had any brothers or sisters.
0:06:45 > 0:06:49It doesn't look like she had any children from either of the two marriages,
0:06:49 > 0:06:51so we're not looking at near kin.
0:06:51 > 0:06:53We're certainly looking at cousins,
0:06:53 > 0:06:56which makes my gamble even more risky.
0:06:56 > 0:07:02Certainly the research to cover near kin is much, much cheaper
0:07:02 > 0:07:04and doesn't cost us anywhere the money
0:07:04 > 0:07:06as if we had to go back to cousins.
0:07:06 > 0:07:12This means it's more important than ever for the team to try and wrap this case up in a day.
0:07:12 > 0:07:15Any longer, and the company's profit goes out the window.
0:07:21 > 0:07:25The team now knows Edith's parents were Kate Johnson and Arthur Goodyer
0:07:25 > 0:07:27and that she was their only child.
0:07:27 > 0:07:33Plus that Edith married twice and had no children from either marriage.
0:07:33 > 0:07:36Edith's mother's surname is a nightmare to research,
0:07:36 > 0:07:39as Johnson is a common name.
0:07:40 > 0:07:44With this in mind, Neil decides to concentrate on the paternal line
0:07:44 > 0:07:47of Edith's father, Arthur Goodyer.
0:07:47 > 0:07:49Bye.
0:07:49 > 0:07:51I've got the 1911 census in Watford.
0:07:51 > 0:07:56Two brothers still alive, one of them looks like he dies in the war.
0:07:56 > 0:07:59The second served in the war because I found an army record.
0:07:59 > 0:08:03He has one child and that child has two children, who would be first cousins once removed.
0:08:03 > 0:08:08The first heirs are on their radar and it's only 8.30 in the morning.
0:08:08 > 0:08:12Out on the road, Ewart's enquiries at Edith's previous address
0:08:12 > 0:08:14aren't going so smoothly.
0:08:14 > 0:08:20The only person I spoke to was the actual person who bought the property off the deceased.
0:08:20 > 0:08:23Couldn't give us any information about the family
0:08:23 > 0:08:26or if she had children, really.
0:08:26 > 0:08:30So I'm now at the nursing home, this is her last address...
0:08:32 > 0:08:34to see what information they can give me.
0:08:35 > 0:08:41The company has travelling heir hunters so they can try and stay one step ahead of any competition.
0:08:42 > 0:08:44Ewart is ready at the drop of a hat
0:08:44 > 0:08:46to drive anywhere the office asks him
0:08:46 > 0:08:49and that may be just about to happen.
0:08:50 > 0:08:52Thanks so much. Thank you. Bye-bye.
0:08:53 > 0:08:57I've just spoken to a lady whose relationship to the deceased
0:08:57 > 0:08:59is a paternal cousin once removed.
0:08:59 > 0:09:03Her father, who was an only child, was a first cousin to the deceased.
0:09:03 > 0:09:06Understandably, she's never heard of the deceased.
0:09:06 > 0:09:09But literally ten minutes before I phoned her,
0:09:09 > 0:09:12another company has been in contact with her.
0:09:13 > 0:09:16The good news of finding their first heir is tainted by the fact
0:09:16 > 0:09:18they've been beaten to it by the competition.
0:09:20 > 0:09:22Ewart's also got bad news.
0:09:22 > 0:09:25The nursing home is not able to help with his enquiries.
0:09:25 > 0:09:28He's back to square one.
0:09:28 > 0:09:32And again, I couldn't really get to speak to anybody.
0:09:32 > 0:09:36But from the office, there is a glimmer of hope from the Johnson side of the family,
0:09:36 > 0:09:39that the team has tentatively started to work.
0:09:39 > 0:09:45I've got a new stem that's literally just up to date now in Slough
0:09:45 > 0:09:48and I can't get hold of one person and I'm going to phone the sister.
0:09:48 > 0:09:50- So make your way to Slough.- Right.
0:09:50 > 0:09:55Dave now hopes to contact these new relatives before the competition
0:09:55 > 0:09:58and hopefully get Ewart on their doorstep ASAP.
0:10:00 > 0:10:03Despite being up against other companies,
0:10:03 > 0:10:06the team has made leaps and bounds on the hunt.
0:10:06 > 0:10:08Even the maternal family's name of Johnson
0:10:08 > 0:10:11hasn't fazed research director Gareth.
0:10:14 > 0:10:17Cator's up to date on the maternal and the paternal sides...
0:10:18 > 0:10:20and considering one side is Johnson.
0:10:20 > 0:10:24This is an amazing result so early in the day.
0:10:24 > 0:10:28The team has found numerous potential heirs to Edith's estate.
0:10:28 > 0:10:30They are all cousins once removed
0:10:30 > 0:10:33and case manager Dave now starts to call them
0:10:33 > 0:10:36in order to verify the family tree
0:10:36 > 0:10:39and try and set up the all-important meetings with Ewart.
0:10:40 > 0:10:43Your grandmother was her aunt.
0:10:44 > 0:10:45Beatrice.
0:10:47 > 0:10:49Your grandmother was Kate?
0:10:51 > 0:10:53All right, let me go back over this,
0:10:53 > 0:10:56just in case we might have the wrong family.
0:10:56 > 0:10:59Worryingly, Dave's family tree isn't marrying up.
0:10:59 > 0:11:01You think your grandfather was William.
0:11:03 > 0:11:05OK. I think we have got the wrong family.
0:11:05 > 0:11:08I'm really sorry to have troubled you.
0:11:08 > 0:11:10Sorry about that. Thank you. Bye-bye.
0:11:12 > 0:11:14We've run with the wrong birthday.
0:11:14 > 0:11:17This is the last thing the team wanted
0:11:17 > 0:11:20on a case they've already taken a gamble on.
0:11:21 > 0:11:23So that's all wrong.
0:11:23 > 0:11:29Johnson isn't an easy name to work, as this costly mistake has shown.
0:11:29 > 0:11:33The team started off their hunt with the wrong birth certificate for Edith's mother.
0:11:33 > 0:11:36So we've got the wrong family of Johnson.
0:11:36 > 0:11:41So all the bits we've worked are her cousins, so they're all wrong.
0:11:41 > 0:11:44So what we've done is identified the wrong birth of Kate.
0:11:44 > 0:11:48Even though it's still only 9.20 in the morning,
0:11:48 > 0:11:49this is bad news for Neil.
0:11:49 > 0:11:53Whilst they've been wasting time on the wrong family,
0:11:53 > 0:11:56other heir-hunting firms may have found the right Johnsons
0:11:56 > 0:11:59and be visiting them right now.
0:11:59 > 0:12:03Look through that. If we can find her, we don't need to do the blood bit.
0:12:03 > 0:12:06Neil steps in to rescue this case
0:12:06 > 0:12:11and using the census records, he finds another potential birth for Edith's mother.
0:12:12 > 0:12:13And there's a Kate.
0:12:16 > 0:12:18Born in 1889.
0:12:18 > 0:12:22But amid all this chaos, there is one member of the team
0:12:22 > 0:12:25who is blissfully unaware of what's happened.
0:12:25 > 0:12:28I forgot to tell Ewart not to go to Slough.
0:12:28 > 0:12:31- Go back to Watford and do what you were doing, please.- OK, Dave.
0:12:31 > 0:12:33- Thanks.- Cheers. Bye.
0:12:34 > 0:12:37Something's happened down there.
0:12:38 > 0:12:40Ewart turns around and heads back to Watford.
0:12:40 > 0:12:42Fortunately, in the office,
0:12:42 > 0:12:46the new birth record for Kate Johnson, Edith's mother,
0:12:46 > 0:12:47is bearing fruit.
0:12:50 > 0:12:54Neil, Gareth and Simon trawl the 1901 and 1911 census
0:12:54 > 0:12:56for evidence of her siblings.
0:12:56 > 0:12:58It looks promising.
0:12:59 > 0:13:01Alfred and Emily, yeah?
0:13:01 > 0:13:04And then we've got Ethel, Walter and Arthur, I've got.
0:13:05 > 0:13:07Arthur being the youngest.
0:13:07 > 0:13:11This new lead would suggest Kate Johnson, Edith's mother,
0:13:11 > 0:13:13had five brothers and sisters.
0:13:13 > 0:13:16The team now have to find other records of these siblings
0:13:16 > 0:13:20in order to trace any children they may have had.
0:13:21 > 0:13:26We've finally got Ellen Johnson, who is the eldest sibling of the deceased's mother,
0:13:26 > 0:13:30that's the eldest aunt of the deceased, on the census.
0:13:30 > 0:13:35So I've got her on the 1901 and married on the 1911,
0:13:35 > 0:13:38so I now know that the marriage is definitely right
0:13:38 > 0:13:42and she certainly had one child, probably two children.
0:13:43 > 0:13:45And using this fresh information,
0:13:45 > 0:13:48researcher Emily scours the electoral roll.
0:13:48 > 0:13:50The new lead pays off.
0:13:50 > 0:13:53Emily thinks she's found an address for Michael Farren,
0:13:53 > 0:13:56a cousin once removed on the Johnson stem.
0:13:57 > 0:14:00I can't find a death for him, so he's probably still alive.
0:14:02 > 0:14:03We hope.
0:14:03 > 0:14:07Emily has also found a phone number they believe matches the address.
0:14:09 > 0:14:11I'm now going to try and contact someone
0:14:11 > 0:14:15who is definitely related to the deceased on the maternal family.
0:14:15 > 0:14:20But things aren't going Dave's way today.
0:14:20 > 0:14:23Sorry, I've got the wrong family and I do apologise for troubling you.
0:14:23 > 0:14:25Thank you for your time.
0:14:25 > 0:14:29The phone number was for a Michael - just not the one Dave wanted.
0:14:29 > 0:14:32The team will now have to pull out all the stops.
0:14:34 > 0:14:37The guys will have to try to get us another phone number.
0:14:38 > 0:14:41The team scramble to try and find another number
0:14:41 > 0:14:44for the Michael Farren they believe is Edith's relative.
0:14:44 > 0:14:47They have already wasted enough time with the Johnson name.
0:14:48 > 0:14:50Edith's estate, with its unknown value,
0:14:50 > 0:14:52is a gamble that will only pay off
0:14:52 > 0:14:56if the heir hunters are the first to meet and sign her heirs.
0:14:58 > 0:15:00Later in the show,
0:15:00 > 0:15:03the heir hunters may have originally chased the wrong family
0:15:03 > 0:15:06but this cloud could have a silver lining.
0:15:06 > 0:15:09The competition looks like they made the same mistake we did.
0:15:09 > 0:15:12We're hoping they still think they're on the correct family.
0:15:18 > 0:15:22Heir-hunting companies will always try and be the first to contact
0:15:22 > 0:15:24the beneficiaries to an estate
0:15:24 > 0:15:28but there are no guarantees a case can be solved in a day
0:15:28 > 0:15:29or even a week.
0:15:29 > 0:15:33Sometimes, the heir hunters can wait years, even decades,
0:15:33 > 0:15:37until the information they need to solve a case finally comes to light.
0:15:43 > 0:15:46Elizabeth Mukerji was born in 1900
0:15:46 > 0:15:49and died aged 91 without leaving a will.
0:15:49 > 0:15:52With no known photographs or people who knew her,
0:15:52 > 0:15:55Elizabeth's life is a bit of a mystery.
0:15:56 > 0:15:59Her £25,000 estate had remained on the Treasury's list,
0:15:59 > 0:16:03unsolved and unclaimed, ever since the early 1990s.
0:16:03 > 0:16:06But her name was not forgotten.
0:16:06 > 0:16:10Heir hunter Hector Birchwood always holds out hope
0:16:10 > 0:16:14that old cases can one day be solved.
0:16:14 > 0:16:16Any time a new database comes on line,
0:16:16 > 0:16:20any time we buy a new bit of information
0:16:20 > 0:16:23which relates to our business,
0:16:23 > 0:16:26then I pick up those old cases and I run them through.
0:16:31 > 0:16:34Hector works alongside his father, Peter Birchwood,
0:16:34 > 0:16:36and case managers Saul and Phil
0:16:36 > 0:16:40and together, they make up the team at Celtic Research.
0:16:40 > 0:16:43Like every other heir-hunting company in the UK,
0:16:43 > 0:16:45they leap into action every Thursday morning
0:16:45 > 0:16:49when the Treasury releases new names of unclaimed estates.
0:16:49 > 0:16:54But Hector never shies away from the challenges involved with an unsolved case.
0:16:56 > 0:16:58This case had been picked up and dropped
0:16:58 > 0:17:00on a couple of different occasions.
0:17:01 > 0:17:05Mainly because there wasn't enough information to find heirs the first time around.
0:17:07 > 0:17:11But with the release of the 1901 census, Hector tried once again
0:17:11 > 0:17:14to find the descendants of the mysterious Elizabeth Mukerji.
0:17:15 > 0:17:20For an heir hunter, it's a rare occasion to work a name of Asian origin.
0:17:20 > 0:17:27We don't see very many Indian names coming up in the unclaimed estates.
0:17:27 > 0:17:30Well, this is the birth of her father.
0:17:30 > 0:17:33And as Hector continued his initial research,
0:17:33 > 0:17:37Elizabeth's case was getting more and more out of the ordinary.
0:17:37 > 0:17:40I thought initially this might lead to India
0:17:40 > 0:17:45and perhaps I should be looking at the Indian records
0:17:45 > 0:17:47at the British Library.
0:17:47 > 0:17:49Hector got down to his research
0:17:49 > 0:17:52and discovered that Elizabeth had taken her surname
0:17:52 > 0:17:55from her late husband, Dwijendra Mukerji,
0:17:55 > 0:17:57whom she married in 1938.
0:17:57 > 0:18:00He was born and brought up in the UK,
0:18:00 > 0:18:03after his father came to England in the late 19th century
0:18:03 > 0:18:05to study law.
0:18:09 > 0:18:13In the 1890s, Elizabeth's father-in-law, Jogmendra,
0:18:13 > 0:18:16was one of just a handful of Indians living in England.
0:18:16 > 0:18:21But the Mukerji name was to go down in both Indian and English history.
0:18:21 > 0:18:23After he'd finished his studies,
0:18:23 > 0:18:27Jogmendra went on to work as a personal secretary
0:18:27 > 0:18:29for Dadabhai Naoroji,
0:18:29 > 0:18:33an Indian who'd achieved something quite remarkable in the UK.
0:18:34 > 0:18:38He was the first Indian to be elected to the House of Commons,
0:18:38 > 0:18:41the British parliament, in 1892.
0:18:41 > 0:18:42This was a truly remarkable feat
0:18:42 > 0:18:46because Dadabhai Naoroji had been born and brought up in India.
0:18:49 > 0:18:52He was quite a senior political figure in India, as well.
0:18:52 > 0:18:55He was one of the founding fathers of the Indian National Congress,
0:18:55 > 0:18:59which became the main nationalist organisation and political party
0:18:59 > 0:19:02that fought the British for independence.
0:19:02 > 0:19:04So I'm sure Mukerji as private secretary
0:19:04 > 0:19:08would have met many of the leading politicians, British and Indian, of the time.
0:19:08 > 0:19:13Including Gandhi, who was visiting England in 1906
0:19:13 > 0:19:18to campaign for better rights for Indians in colonial South Africa.
0:19:18 > 0:19:21Jogmendra's meetings with Gandhi led to a working relationship
0:19:21 > 0:19:24bound by a fierce belief in Indian independence.
0:19:26 > 0:19:28Gandhi and Mukerji seemed to have
0:19:28 > 0:19:31quite an extensive correspondence in 1906
0:19:31 > 0:19:33when Gandhi came over to London
0:19:33 > 0:19:38and one can infer that Mukerji definitely played a significant part
0:19:38 > 0:19:40in India's freedom fight.
0:19:45 > 0:19:48But despite his political views about the British in India,
0:19:48 > 0:19:51it didn't stop Elizabeth's father-in-law Jogmendra
0:19:51 > 0:19:55falling in love and marrying an Englishwoman called Helen.
0:19:55 > 0:19:57There's also the possibility
0:19:57 > 0:20:01they were one of the first Anglo-Indian marriages in the UK.
0:20:02 > 0:20:06So there would have been surprise from both sides,
0:20:06 > 0:20:09from his own family back in India and from her family in England.
0:20:10 > 0:20:12Whatever their families' concerns,
0:20:12 > 0:20:17the couple went on to have Dwijendra, who later went on to marry Elizabeth.
0:20:17 > 0:20:19Immersed in his initial research,
0:20:19 > 0:20:23Hector had originally thought the trail could lead to India
0:20:23 > 0:20:25but that was all about to change.
0:20:26 > 0:20:30Turned out to be a red herring because she had divorced him.
0:20:30 > 0:20:31They had no children.
0:20:32 > 0:20:36Hector started looking more closely at Elizabeth's side of the family
0:20:36 > 0:20:40and it turned out she was actually of Irish origin.
0:20:40 > 0:20:44Back in 1938, her marriage to a mixed-race husband
0:20:44 > 0:20:49would have been just as out of the ordinary as her in-laws' 40 years before.
0:20:49 > 0:20:53It was quite an unusual for an Indian man to marry an Englishwoman at that time.
0:20:53 > 0:20:58I'm sure Elizabeth would have faced some kinds of prejudice
0:20:58 > 0:21:02for having an Indian surname, for being Mrs Mukerji.
0:21:02 > 0:21:04So for Hector,
0:21:04 > 0:21:07what had started out potentially as an international heir hunt
0:21:07 > 0:21:09was now a lot closer to home.
0:21:14 > 0:21:17His research showed that Elizabeth's ancestry
0:21:17 > 0:21:21was in Ireland on her mother's side and England on her father's.
0:21:23 > 0:21:25From Elizabeth's birth records,
0:21:25 > 0:21:27he discovered her parents were an Eliza McDermott
0:21:27 > 0:21:32and Henry Griffith, who had married in 1899.
0:21:32 > 0:21:33Hector began his hunt.
0:21:35 > 0:21:39My first task was to identify
0:21:39 > 0:21:41what happened to the siblings of the deceased.
0:21:41 > 0:21:46She had two siblings. I think their names were William and May.
0:21:46 > 0:21:50And I then was able to identify that they died
0:21:50 > 0:21:53without leaving any descendants.
0:21:56 > 0:21:59Hector would have to go through Elizabeth's parents
0:21:59 > 0:22:01and on to aunts and uncles
0:22:01 > 0:22:05if he was to stand a chance of finding heirs to her £25,000 estate.
0:22:05 > 0:22:08So I then had to turn my attentions to the paternal side.
0:22:09 > 0:22:11Through the census, I was able to find out
0:22:11 > 0:22:14that the father of the deceased came from the Griffith family
0:22:14 > 0:22:16that was based in London.
0:22:16 > 0:22:20So I then had to find his birth,
0:22:20 > 0:22:23then identify any siblings that he had.
0:22:23 > 0:22:26He had two siblings, a sister and a brother,
0:22:26 > 0:22:31both of which died relatively young and had no issue.
0:22:31 > 0:22:35So I then had to turn my attentions to the maternal side.
0:22:35 > 0:22:39Elizabeth's mother was Eliza McDermott,
0:22:39 > 0:22:42a very common Irish name.
0:22:42 > 0:22:44And this is really where the problems began
0:22:44 > 0:22:50because although the census and the marriage certificate for her parents said
0:22:50 > 0:22:53that the mother came from Ireland,
0:22:53 > 0:22:55we didn't know where in Ireland she came from,
0:22:55 > 0:22:58so I had to put the case back down again.
0:23:02 > 0:23:06Yet again, the estate of Elizabeth Mukerji was proving unsolvable.
0:23:06 > 0:23:11There just wasn't enough information in the 1901 census to find her heirs
0:23:11 > 0:23:14and the folder went back into the filing cabinet.
0:23:14 > 0:23:16It was to be a further ten years
0:23:16 > 0:23:19before Hector would get another chance.
0:23:19 > 0:23:24Well, I picked up the case again when the 1911 census was released.
0:23:25 > 0:23:29At this point, fellow heir hunter Peter took up the case.
0:23:29 > 0:23:34The information the 1911 census held could finally provide the clues
0:23:34 > 0:23:37needed to solve the complex case of Elizabeth Mukerji.
0:23:39 > 0:23:40Bye for now.
0:23:43 > 0:23:45Later in the show,
0:23:45 > 0:23:49the team finds heirs but the Treasury thinks different.
0:23:49 > 0:23:52The reply, to me, was surprising.
0:23:58 > 0:24:01Could you be in line for an unexpected windfall?
0:24:01 > 0:24:06In the UK, the Treasury has a list of over 2,000 estates
0:24:06 > 0:24:08that over the years, have baffled the heir hunters
0:24:08 > 0:24:10and still remain unclaimed.
0:24:10 > 0:24:13This is money that could have your name on it.
0:24:16 > 0:24:19These estates can stay on the list for up to 30 years
0:24:19 > 0:24:24and each one could be worth anything from £5,000 to many millions.
0:24:24 > 0:24:27Today, we're focusing on three names from the list.
0:24:27 > 0:24:29Could they be relatives of yours?
0:24:33 > 0:24:38Eileen Lashmer-Parsons died in Brighton, East Sussex, in 2000.
0:24:38 > 0:24:42Her surname is very distinctive. Do you share it?
0:24:42 > 0:24:45So far, all efforts to trace her heirs have failed.
0:24:47 > 0:24:50Or did you know Joanna Fredericksan?
0:24:50 > 0:24:53She died age 90 in 2000 and lived in Wembley, Middlesex.
0:24:53 > 0:24:58The interesting spelling of her surname could be Scandinavian in origin.
0:25:01 > 0:25:03Or finally, Leonard Batstone.
0:25:03 > 0:25:07He died in 2004 in Littlehampton, West Sussex.
0:25:07 > 0:25:11Again, his surname is rare and easily recognisable.
0:25:13 > 0:25:17If the names Eileen Lashmer-Parsons, Joanna Fredericksan
0:25:17 > 0:25:20or Leonard Batstone mean anything to you,
0:25:20 > 0:25:22then there could be a windfall on its way.
0:25:29 > 0:25:32Heir-hunting company Fraser and Fraser have taken a gamble
0:25:32 > 0:25:34on the case of Edith Cator.
0:25:34 > 0:25:39She died in 2009 aged 85, without ever making a will.
0:25:41 > 0:25:44Her estate ended up on the Treasury's list
0:25:44 > 0:25:48but the problem is the company have no idea what her case could be worth.
0:25:49 > 0:25:52If there's no money in it, we're dropping it.
0:25:52 > 0:25:56Sinking time and resources into tracing her heirs
0:25:56 > 0:25:58has already failed twice.
0:25:58 > 0:26:02Sorry, I've got the wrong family and I do apologise for troubling you.
0:26:02 > 0:26:03So that's all wrong.
0:26:03 > 0:26:06The team believed Edith had married twice
0:26:06 > 0:26:08but according to her friend Janet,
0:26:08 > 0:26:11it turns out there was one more to add to the list.
0:26:14 > 0:26:17I think she was really lonely and she wanted a partner.
0:26:17 > 0:26:21She definitely wanted a partner. She didn't want to live alone.
0:26:21 > 0:26:25Edith was in her seventies and wanted company.
0:26:25 > 0:26:28As an active member of her local senior citizens' social club,
0:26:28 > 0:26:31she befriended a gentleman called Bert.
0:26:34 > 0:26:38He must have been over 80 and she was in her seventies.
0:26:39 > 0:26:42So they were very late in life getting married, so...
0:26:42 > 0:26:44It was a small ceremony
0:26:44 > 0:26:48and Janet happily helped out with the proceedings.
0:26:49 > 0:26:52I took her down the aisle to meet Bert.
0:26:53 > 0:26:56And then, obviously, Bert wheeled her out of the church.
0:26:56 > 0:27:01She did look nice and she knew she'd got someone to be with
0:27:01 > 0:27:03and she wasn't lonely any more.
0:27:03 > 0:27:06The couple enjoyed their life together in the nursing home
0:27:06 > 0:27:11but unfortunately, Bert passed away less than one year after the marriage,
0:27:11 > 0:27:14leaving Edith alone for the final years of her life,
0:27:14 > 0:27:17a life that made a big impression on friend Janet.
0:27:18 > 0:27:22I do miss her terribly. I do miss her a lot.
0:27:22 > 0:27:24Even talking about her now doesn't help.
0:27:30 > 0:27:33Despite the team initially chasing the wrong heirs,
0:27:33 > 0:27:36it seems they weren't the only ones to have made a mistake
0:27:36 > 0:27:38on the Johnson side of the family,
0:27:38 > 0:27:41something that could now be to their advantage.
0:27:43 > 0:27:46The competition looks like they made the same mistake we did.
0:27:46 > 0:27:49What we're hoping is they still think they're on the correct family.
0:27:49 > 0:27:53If nobody's told them they're on the wrong family, they won't know yet.
0:27:53 > 0:27:58Gareth is quietly confident and case manager Dave is philosophical
0:27:58 > 0:28:01about the problems they've had so far with this case.
0:28:02 > 0:28:04That's all right.
0:28:04 > 0:28:10It makes life harder for us, makes life harder for the competition.
0:28:11 > 0:28:15At this stage, the heir hunters know Edith's mother had five siblings.
0:28:17 > 0:28:20Of these, they now suspect four of them died
0:28:20 > 0:28:22without leaving any children.
0:28:22 > 0:28:24This just leaves Edith's aunt Ellen
0:28:24 > 0:28:27and it's Ellen's grandchild, Michael Farren,
0:28:27 > 0:28:29the team have been trying to track down.
0:28:30 > 0:28:33Dave has found the correct phone number for Michael
0:28:33 > 0:28:34and has left a message
0:28:34 > 0:28:38but still with no reply, he's switched to plan B.
0:28:38 > 0:28:45At the moment, I've got Ewart hot-footing it over to St Albans
0:28:45 > 0:28:50to try and see the only beneficiary entitled on the maternal family.
0:28:52 > 0:28:55This is a gamble Dave hopes will pay off.
0:28:55 > 0:28:57With competition all over this case,
0:28:57 > 0:29:01everything now rests of Ewart making face to face contact with Michael
0:29:01 > 0:29:02before anyone else.
0:29:02 > 0:29:07But arriving at the address, Ewart discovers his heir no longer lives there.
0:29:08 > 0:29:16The heir had parted from his wife 12 years ago so...
0:29:16 > 0:29:20But she kindly has given me a mobile number for him.
0:29:20 > 0:29:24I've rung it, spoken to his partner
0:29:24 > 0:29:26and I've arranged to see him.
0:29:27 > 0:29:28This is great news
0:29:28 > 0:29:32but only if Ewart is the first heir hunter to get there.
0:29:32 > 0:29:36There are no guarantees that another company isn't, at this moment,
0:29:36 > 0:29:39standing on the heir's doorstep, paperwork in hand.
0:29:40 > 0:29:45It's a tense drive for Ewart but he finally makes it to the right address
0:29:45 > 0:29:48for Michael Farren, a cousin once removed of Edith's.
0:29:50 > 0:29:54And much to his relief, he's the first heir hunter to visit Michael.
0:29:54 > 0:29:59Ewart's first job is to clarify they're dealing with the right family.
0:29:59 > 0:30:03Your father, did he have any brothers and sisters?
0:30:03 > 0:30:07I can't remember him having any brothers. I think it was just him.
0:30:07 > 0:30:08- Just him. Right, OK.- Yeah.
0:30:08 > 0:30:11With the research and briefing done,
0:30:11 > 0:30:13Ewart wants to deal with the business at hand.
0:30:13 > 0:30:17- OK, that's the agreement. - Okey-dokey.
0:30:17 > 0:30:21Read it first, any queries, let me know.
0:30:21 > 0:30:26And much to Ewart's relief, Michael is happy to sign on the dotted line.
0:30:26 > 0:30:31This means he agrees to the company helping him with his claim to the Treasury,
0:30:31 > 0:30:36in exchange for a fixed percentage of whatever Edith's estate is worth.
0:30:36 > 0:30:41The fact he never knew about Edith comes as no surprise to Michael.
0:30:41 > 0:30:44I didn't get on with my old man very well.
0:30:44 > 0:30:48We was always at loggerheads. He lived in the Victorian age
0:30:48 > 0:30:51and he had his opinion of life and I had my opinion of my life,
0:30:51 > 0:30:54so we clashed. We didn't get on.
0:30:54 > 0:30:56Like I said when you was asking me,
0:30:56 > 0:31:00I can't remember who was who and who wasn't.
0:31:00 > 0:31:04With the paperwork complete, Ewart bids farewell...
0:31:04 > 0:31:05- All right.- Take care.
0:31:05 > 0:31:09..and quickly contacts Dave to let him know the good news.
0:31:09 > 0:31:13- Yeah, you got an agreement?- Yeah. - Well done.- All right.
0:31:13 > 0:31:16It's a fantastic result for the team.
0:31:16 > 0:31:19After all of the morning's ups and downs,
0:31:19 > 0:31:21chasing the wrong heirs and facing competition,
0:31:21 > 0:31:24they can breathe a sign of relief.
0:31:24 > 0:31:26Well done. Thanks very much for that.
0:31:26 > 0:31:28Safe journey. Bye now.
0:31:28 > 0:31:30But it's not all good news.
0:31:30 > 0:31:34It seems the time spent sorting out the whole Johnson debacle
0:31:34 > 0:31:36has cost the team dear.
0:31:36 > 0:31:38With respect to the paternal family,
0:31:38 > 0:31:42credit to the competition, they reached the heir before we did.
0:31:43 > 0:31:47Despite losing heirs, partner Neil is positive about the outcome
0:31:47 > 0:31:50and happy they signed the maternal heir, Michael,
0:31:50 > 0:31:52who will inherit half of Edith's estate.
0:31:54 > 0:31:56In the end, it's a bit of a shame.
0:31:56 > 0:31:58It's how it happens every now and then.
0:31:58 > 0:32:00Some days you win, some days you lose.
0:32:00 > 0:32:05We've lost this stem but luckily, we represent heirs on other stems,
0:32:05 > 0:32:07so we'll still make our money back,
0:32:07 > 0:32:10although we won't make much profit.
0:32:16 > 0:32:21Hector Birchwood of Celtic Research has been trying for nearly 20 years
0:32:21 > 0:32:25to solve the case of the mysterious Elizabeth Mukerji.
0:32:25 > 0:32:32She died in 1991 aged 91 and left no will for her £25,000 estate.
0:32:33 > 0:32:35Despite her Indian surname,
0:32:35 > 0:32:38Hector discovered she was actually of Irish and English origin,
0:32:38 > 0:32:41having taken the surname from her late husband.
0:32:44 > 0:32:47So I had eliminated any close siblings
0:32:47 > 0:32:51and any cousin relatives that would be coming from the paternal side.
0:32:51 > 0:32:54So I then had to turn my attentions to the maternal side.
0:32:56 > 0:32:59Using the 1901 census, Hector had discovered
0:32:59 > 0:33:02that Elizabeth's mother's family were Irish,
0:33:02 > 0:33:03with the surname McDermott.
0:33:03 > 0:33:07It's an extremely common name to try and trace in Ireland,
0:33:07 > 0:33:11so Hector passed the case on to his father, Peter,
0:33:11 > 0:33:13an expert in Irish genealogy.
0:33:13 > 0:33:15But even Peter had his work cut out.
0:33:17 > 0:33:22We're talking about a period in the early 1870s
0:33:22 > 0:33:27which is only just after the start of Irish civil registration,
0:33:27 > 0:33:31so at this time,
0:33:31 > 0:33:37not 100% of births in Ireland are recorded.
0:33:37 > 0:33:42Elizabeth's case has dragged on unsolved for over 20 years,
0:33:42 > 0:33:46mainly because the heir hunters had no clue
0:33:46 > 0:33:48as to where her mother Eliza was born in Ireland...
0:33:50 > 0:33:54..making the job of tracing the wider family impossible.
0:33:54 > 0:33:58But the release of the 1911 census changed everything.
0:33:58 > 0:34:01We found from the census entries
0:34:01 > 0:34:05that Eliza was born in County Longford in Ireland
0:34:05 > 0:34:10and from her marriage to Henry William Griffith
0:34:10 > 0:34:13that her father was a Patrick McDermott,
0:34:13 > 0:34:15who was a baker.
0:34:16 > 0:34:19Elizabeth's grandparents had seven children,
0:34:19 > 0:34:24including her mother, Eliza, all born in County Longford, Ireland.
0:34:24 > 0:34:26From having that information,
0:34:26 > 0:34:30it was just a case of working down the children
0:34:30 > 0:34:33to find people who were still living today.
0:34:35 > 0:34:38Peter discovered all of Elizabeth's aunts and uncles had died
0:34:38 > 0:34:42leaving no children, except one brother called Joseph McDermott.
0:34:42 > 0:34:47He had seven sons and this led Peter to his first heir.
0:34:56 > 0:34:59Ann Foley is a cousin once removed of Elizabeth's...
0:35:01 > 0:35:05and still lives in the family's ancestral home of County Longford.
0:35:05 > 0:35:07When Peter first contacted her,
0:35:07 > 0:35:10she had no idea who her Great Aunt Elizabeth was.
0:35:10 > 0:35:13Never heard of Elizabeth at all
0:35:13 > 0:35:17until Peter mentioned who she was and what her name was.
0:35:17 > 0:35:19It was a shock, a total surprise,
0:35:19 > 0:35:22that somebody was trying to track down an ancestor
0:35:22 > 0:35:25from so far back, from 1900.
0:35:26 > 0:35:30Sadly, as no photos survive of Elizabeth,
0:35:30 > 0:35:33Ann will never know what her great aunt looked like.
0:35:33 > 0:35:36Peter's research married up to Ann's memories of her uncles
0:35:36 > 0:35:41and helped him finally confirm who Elizabeth's living relatives were.
0:35:42 > 0:35:46In the McDermott side, my dad was the seventh son.
0:35:46 > 0:35:48Five of them went to England.
0:35:48 > 0:35:52'My and my uncle Frank were the only two that stayed.'
0:35:52 > 0:35:56Elizabeth's relatives were spread from Ireland to England
0:35:56 > 0:36:00and Peter had found six heirs to Elizabeth's £25,000 estate.
0:36:03 > 0:36:07The company had waited 20 years for this day.
0:36:07 > 0:36:10After signing the heirs and submitting their claim to the Treasury,
0:36:10 > 0:36:12Peter was in for a nasty shock.
0:36:12 > 0:36:15The Treasury rejected the claim.
0:36:16 > 0:36:19The reply, to me, was surprising
0:36:19 > 0:36:23because they couldn't read one of the names
0:36:23 > 0:36:27on an Irish birth certificate that I sent them.
0:36:27 > 0:36:32Hector knew the team now had their work cut out with the treasury.
0:36:32 > 0:36:35Normally if we find that there is one mistake somewhere,
0:36:35 > 0:36:38we have to provide overwhelming evidence
0:36:38 > 0:36:43to be able to prove or refute any incorrect evidence
0:36:43 > 0:36:46that is on any given record, so it makes our job that much harder.
0:36:46 > 0:36:50But Peter has taken this blow on the chin
0:36:50 > 0:36:52and has changed tack.
0:36:52 > 0:36:57My plan right now is to go over to Longford Town
0:36:57 > 0:37:03to get our clients proved and recover for them their share of this estate.
0:37:05 > 0:37:09True to his word, one week later, Peter has packed his bags
0:37:09 > 0:37:12and is heading to County Longford in Ireland.
0:37:12 > 0:37:15Peter and Hector have worked too hard on this case
0:37:15 > 0:37:18to see it fall at the final hurdle.
0:37:18 > 0:37:22Everything now hangs on Peter being able to clear up the issues the Treasury has
0:37:22 > 0:37:25with Elizabeth's mother's birth certificate.
0:37:33 > 0:37:36We're just about to head into the cathedral
0:37:36 > 0:37:42to see if we can find some baptisms that might help resolve this case.
0:37:43 > 0:37:46Peter and his wife Maria are visiting a cathedral
0:37:46 > 0:37:50where they believe the mother of the deceased was baptised.
0:37:50 > 0:37:52It's a nice cathedral.
0:37:53 > 0:37:55Any additional evidence he can find
0:37:55 > 0:37:58will only add to his case with the Treasury.
0:37:58 > 0:38:03- Morning. How are you doing?- Morning. Father Healey? Peter Birchwood.
0:38:03 > 0:38:05But Father Healey that Peter has come to visit
0:38:05 > 0:38:09has some bad news concerning the cathedral's records.
0:38:09 > 0:38:13As you know, we had a very tragic fire in the cathedral last Christmastime,
0:38:13 > 0:38:15so we lost our original records.
0:38:15 > 0:38:18We have a printout that was put together some years ago,
0:38:18 > 0:38:21- so we'll have a look, anyway. - What a terrible thing, the fire.
0:38:21 > 0:38:23So what first name are we talking about?
0:38:23 > 0:38:26We're looking for an Eliza McDermott,
0:38:26 > 0:38:30who would be born some time in the 1870s.
0:38:30 > 0:38:33Right. These are all McDermotts here.
0:38:33 > 0:38:37Perhaps because of the loss of the original records in the fire,
0:38:37 > 0:38:40they can find no record of Eliza McDermott's baptism.
0:38:40 > 0:38:42Peter tries a different approach.
0:38:42 > 0:38:48Mm. Are there any alternate spellings of McDermott,
0:38:48 > 0:38:50apart from with one t and two ts?
0:38:51 > 0:38:53But again, no joy.
0:38:53 > 0:38:55Out of desperation more than anything,
0:38:55 > 0:39:00Peter decides to show Father Healey the fudged birth certificate in question.
0:39:00 > 0:39:04Maybe he can decipher the maiden name of Eliza's mother.
0:39:04 > 0:39:10The mother's maiden name, maybe you'd have a better guess than I could
0:39:10 > 0:39:11because I can't read it.
0:39:11 > 0:39:16But even Father Healey can't decipher the handwriting in question.
0:39:17 > 0:39:22Anyway, I guess we'd better just head off into the sunset.
0:39:22 > 0:39:25I wish you well. Sorry we weren't able to solve the issue.
0:39:26 > 0:39:28So, bye for now.
0:39:28 > 0:39:30- Thank you for your help. - You're welcome.
0:39:32 > 0:39:35Peter is back to square one again.
0:39:35 > 0:39:38Elizabeth Mukerji's grandmother's maiden name
0:39:38 > 0:39:40is the key to cracking this case.
0:39:40 > 0:39:44Plan B is County Longford's register office.
0:39:46 > 0:39:51- How are you doing?- Hello, there. Peter Birchwood, my wife, Maria. - Nice to meet you.
0:39:51 > 0:39:53We've got this birth certificate
0:39:53 > 0:40:01and nobody can quite make it out what the lady's maiden name is.
0:40:01 > 0:40:02Would you say it's Kirwin?
0:40:02 > 0:40:05At first glance, I would think Kirwin
0:40:05 > 0:40:09but we can check the actual original record for you.
0:40:09 > 0:40:11Were there any other siblings?
0:40:11 > 0:40:15- There were five or six of them, yes. - OK. That will make it easier.
0:40:15 > 0:40:17If we can't see it on this record,
0:40:17 > 0:40:19if I get the book and there are siblings,
0:40:19 > 0:40:21it may be clearer on another record.
0:40:26 > 0:40:30Peter knows definitively from his research into the census records
0:40:30 > 0:40:32that Eliza had six siblings
0:40:32 > 0:40:35and he's asked the registrar to look for the original birth record
0:40:35 > 0:40:38for Eliza's younger brother, James.
0:40:38 > 0:40:42Hopefully, it will have the mother's maiden name spelt clearly
0:40:42 > 0:40:44and he'll have the proof he needs.
0:40:44 > 0:40:46It's a tense wait for Peter.
0:40:48 > 0:40:52- No, it's definitely not in that one.- Oh, no. What a shame.
0:40:52 > 0:40:54I'll check the next one.
0:40:54 > 0:40:57Early, I reckon.
0:40:58 > 0:41:02No, no. I'll check the next book, just to be on the safe side.
0:41:02 > 0:41:04I'll check the next book.
0:41:04 > 0:41:07The registrar scans the lists of births for brother James.
0:41:07 > 0:41:10Peter thinks he was born in 1879.
0:41:10 > 0:41:14James' birth record could be the key Peter needs
0:41:14 > 0:41:18to unlock a case that has remained unsolved for 20 years.
0:41:19 > 0:41:21Folks, I have it.
0:41:21 > 0:41:24- I have it for you. - Really?- Really?
0:41:24 > 0:41:27- Oh, wow!- Wow!- Well done. - I have it, look.
0:41:27 > 0:41:29- Yes?- James is in this book
0:41:29 > 0:41:33and Jane McDermott, formerly Kelly.
0:41:34 > 0:41:36There it is in black and white,
0:41:36 > 0:41:40definitive proof Peter's always had the right family.
0:41:40 > 0:41:44Not only do the books show Eliza's brother James had a mother with the maiden name Kelly,
0:41:44 > 0:41:47there are also marriage records backing everything up.
0:41:47 > 0:41:51Peter gets the registrar to print it all out.
0:41:51 > 0:41:55- Your evidence is there. - I think it is.
0:41:55 > 0:41:58You have all of your evidence there to prove, really,
0:41:58 > 0:42:00that she was Jane Kelly.
0:42:00 > 0:42:01She was Jane Kelly.
0:42:01 > 0:42:04And she was never anything other than Jane Kelly, it seems to me.
0:42:04 > 0:42:07- Thank you very much for all of your work.- No problem.
0:42:07 > 0:42:12- I'm sorry to keep you in over time. - Don't worry.- Well...
0:42:12 > 0:42:18After years of waiting, the case of Elizabeth Mukerji
0:42:18 > 0:42:19can finally be put to bed.
0:42:19 > 0:42:22Now armed with copies of the original records
0:42:22 > 0:42:24to add to his case file for the Treasury,
0:42:24 > 0:42:27Peter's one happy heir hunter.
0:42:29 > 0:42:30So this case is solved.
0:42:30 > 0:42:33I'm happy about the direction it's taken.
0:42:33 > 0:42:37We just need to get the paperwork in chain
0:42:37 > 0:42:40and we'll be able to make a good claim for the assets
0:42:40 > 0:42:42for the people we represent.
0:42:43 > 0:42:46If you would like advice about building your family tree
0:42:46 > 0:42:49or making a will, go to bbc.co.uk.
0:42:51 > 0:42:53Subtitles by Red Bee Media Ltd
0:42:53 > 0:42:54E-mail subtitling@bbc.co.uk