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RBS and banking a cheque with Probate
trf1960
Posts: 129 Forumite
Hi, advice needed please.
Long story, Father died earlier this year leaving myself and one of my brothers as executors of his Will. We opened up a joint bank account and I took care of everything, sorted out the Probate, the funeral, the sale of his retirement property and dealt with all his finances etc. When the final item was paid up, we naturally closed this account.
A month or so later, I received a letter from the managing agents of the retirement property explaining that there was a credit to the previous year’s budget figures and that all residents of the retirement property would be receiving a small reimbursement. I wrote to the company explaining that obviously my Father’s bank account had been closed and also explaining that the joint account held with my brother had also been closed and asked if they could issue the cheque to me which they agreed.
When I received the cheque it had been made out to The Est of [my Father] c/o [me]. I rang my bank (RBS) explaining the above and was told no problem but we would need to see the Probate. I sent this off with the cheque and a covering letter explaining the situation again but after a week noticed it had still not gone through my account. So I rang them and was told that unfortunately the cheque could not be cashed as the Probate was in the names of myself and my brother and so that the cheque would need to be cashed in a joint bank account. I couldn’t understand this as the cheque only had my name on it but they wouldn’t accept it and simply refused to do anything further.
Now I am at a loss as to what to do with this cheque. Yes I could ring the managing agents and ask if they could simply reissue a cheque in my name only (and without the “Est of…” part) but given that they were never the easiest to get hold of anyway (even when my Father was alive) I don’t hold out much hope on this. More importantly my issue is with my bank. Does anyone know if this is some kind of banking law and that RBS are correct in their opinion cause if it is, it seems pretty ludicrous to me.
Any advice ?
Long story, Father died earlier this year leaving myself and one of my brothers as executors of his Will. We opened up a joint bank account and I took care of everything, sorted out the Probate, the funeral, the sale of his retirement property and dealt with all his finances etc. When the final item was paid up, we naturally closed this account.
A month or so later, I received a letter from the managing agents of the retirement property explaining that there was a credit to the previous year’s budget figures and that all residents of the retirement property would be receiving a small reimbursement. I wrote to the company explaining that obviously my Father’s bank account had been closed and also explaining that the joint account held with my brother had also been closed and asked if they could issue the cheque to me which they agreed.
When I received the cheque it had been made out to The Est of [my Father] c/o [me]. I rang my bank (RBS) explaining the above and was told no problem but we would need to see the Probate. I sent this off with the cheque and a covering letter explaining the situation again but after a week noticed it had still not gone through my account. So I rang them and was told that unfortunately the cheque could not be cashed as the Probate was in the names of myself and my brother and so that the cheque would need to be cashed in a joint bank account. I couldn’t understand this as the cheque only had my name on it but they wouldn’t accept it and simply refused to do anything further.
Now I am at a loss as to what to do with this cheque. Yes I could ring the managing agents and ask if they could simply reissue a cheque in my name only (and without the “Est of…” part) but given that they were never the easiest to get hold of anyway (even when my Father was alive) I don’t hold out much hope on this. More importantly my issue is with my bank. Does anyone know if this is some kind of banking law and that RBS are correct in their opinion cause if it is, it seems pretty ludicrous to me.
Any advice ?
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