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QC, Solicitor
Category: UK Law
Satisfied Customers: 879
Experience:  8 yrs pqe, TEP, CPD Trainer in Inheritance Tax Planning
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A person dies and their bank account is frozen by the bank

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A person dies and their bank account is frozen by the bank governing the account. The executors of the deceasd person's estate apply for and are granted probate and go to the bank. They produce the legal documents, prove their identity and request that the funds are released and transferred to a new holding account with the same bank. The bank refuse to release the funds immediately and say they will not do so for 5 days and refuse to give an actual date and time.

This is surely either illegal or does not comply with the banking code of conduct.

Would you please comment and, if possible, advise on action that may be taken to force the bank to release funds which are legally under the control of the executors? This, after all, can be described as a means of theft to acquire extra interest.
Submitted: 6 years ago.
Category: UK Law
Expert:  QC replied 6 years ago.

Dear JA Guest


The only thing you can do is complain to the manager/Financial Services Ombudsman. You would think there is a reason for their behaviour, but banks do think they own your money.


The only problem you face is that your "loss" is probably a few days interest only and so therefore not a lot that you can recover.




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