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General information

We need to make sure that all the money in the Deceased's account is paid to the right people. We will ask for you (the Personal Representatives/ Executor(s)) to sign our indemnity form.

What is an Indemnity Form

It is an agreement between you and us ("the Bank") whereby you agree to make good any loss the Bank may suffer by releasing funds as directed by you.

If the Deceased left a Will, a copy must be sent to us with the Indemnity form.

If the Deceased has not left a Will, we will release the funds, in accordance with the Rules of Intestacy, in the following priority order:

  1. surviving spouse
  2. living children
  3. living grandchildren
  4. mother and/or father
  5. brother(s) and/or sister(s)

For administrative purposes, the Bank will need to see any or all of the following documents: (depending on the individual circumstances)

  1. A copy of the death certificate.
  2. A fully completed indemnity form, signed by the executor(s) of the will, or where there is no will by the executor of the estate.
  3. A copy of the will.
  4. A letter of authority from the personal representative(s) letting us know the sort code, account number, and name of the Bank account that is to receive the funds.
  5. The original embossed Grant of Representation.

The Co-operative Group is dedicated to providing a caring and responsive service for bereaved families.

Because of their excellent reputation and genuine understanding of customers, they will make sure that they give you the very best in service and choice.

You can visit their web site at http://www.co-operative.coop/funeralcare/.

Dealing with the deceased’s estate

The administration of the estate of the deceased covers legal, tax and administrative work and can be both complex and time-consuming. Our dedicated legal experts at The Co-operative Legal Services will:

  • Explain what Probate (Confirmation in Scotland) is to you and advise on whether it is required.
  • Explain the steps to take when Probate is and is not required.
  • Help you identify who has the legal right to administer the estate of the deceased, known as the Personal Representative.
  • Explain the role of the Personal Representative and their liability for any mistakes or errors.

For further information on how Co-operative Legal Services can help you please contact us on 0345 603 1333 ^

Current accounts

For sole accounts

Contact our help line on 0345 603 1333 ^

Our customer contact centre lines are open Monday to Friday 9.00am to 5.00pm.

Write to us
PO Box 200
Skelmersdale
WN8 6YS

For joint accounts

What do you need to do?

  • Send a certified copy of the death certificate to:

    The Co-operative Bank
    PO Box 200
    Skelmersdale
    WN8 6YS
  • Destroy any cards in the deceased account holder's name.
  • Cancel any continuous authorities with the company concerned that relate solely to the deceased account holder. These are regular automatic payments. (examples of this type of payment are AA, RAC).

When we receive the details we will remove the name from the account. The sort code and account number will stay the same, so the sole account holder can continue to use the account and cheque book. We will send out a new cheque book as soon as possible.

Mortgages

Contact our help line on 0345 603 1333 ^

Our customer contact centre lines are open Monday to Friday 9.00am to 5.00pm.

Write to us
Customer services
PO Box 200
Skelmersdale
WN8 6YS

Loans

For sole loan accounts

What do you need to do?

  • Send a certified copy of the death certificate to:
    The Co-operative Bank
    Customer services
    PO Box 200
    Skelmersdale
    WN8 6YS

When we receive the details if the loan is insured we will inform the insurance company, who will process the claim. If the loan is not insured we will transfer any available funds from a related sole account to clear the balance and close the account.

If the loan is not insured and there is not enough money to clear the outstanding balance or if the only other account held is a joint account, the balance will become due from the estate.

For joint loan accounts

What do you need to do?

Send a certified copy of the death certificate to :
The Co-operative Bank
Customer services
PO Box 200
Skelmersdale
WN8 6YS

When we receive the details if the loan is insured and the deceased was the first named on the account, we will inform the insurance company, who will process the claim. If the loan is not insured or the insurance claim is declined, the loan account will continue in the other party's name only.

We can provide an early settlement figure for a personal loan on request by our call centre on 08457 240 240^.

Credit cards

What do you need to do?

Send any documentation to:
The Co-operative Bank
Customer services
PO Box 200
Skelmersdale
WN8 6YS

Examples of documentation are; Death Certificate, Indemnity Form, Will. Destroy all cheque books or cards this includes any additional cards on the account.

If an additional cardholder dies, their card(s) should be destroyed. Cancel any continuous authorities with the company concerned. These are regular automatic payments. (examples of this type of payment are AA, RAC).

When we receive the death certificate/documents
If there's a credit balance, we will transfer the funds to their sole Co-operative current or savings account or ordinary savings account (dependant on the wishes of the next of kin) and close the Visa account.

If there's a credit balance and no sole account we will release the money in accordance with the instructions we receive. (please refer to documentation section).

If there's a debit balance and the account is insured, we will inform the insurance company who will process the claim.

If there's a debit balance and the account is not insured, we will transfer any available funds from a related sole account to clear the balance. If there is not enough money to clear the outstanding balance, this will become due from the estate.

When the balance on the account is nil, we will close the account. Any additional cardholders are welcome to apply for a Visa account in their own name. You can apply on-line or by contacting our Customer Service Centre on 08448 758 755^

Insurance

Telephone us

Contact our help line on 0844 844 22 22^

Our customer contact centre lines are open Monday to Friday 8.00am and 8.00pm and Saturday 8.00am to 5.00pm.

Write to us

The Co-operative Insurance
Customer services
Miller Street
Manchester
M60 0AL

Savings

For sole accounts

Telephone us

Contact our help line on 0345 603 1333 ^

Our customer contact centre lines are open Monday to Friday 9.00am to 5.00pm.

Write to us

The Co-operative Bank
Customer services
PO Box 200
Skelmersdale
WN8 6YS

For joint accounts

What do you need to do?

  • Send a certified copy of the death certificate to:
    The Co-operative Bank
    Customer services
    PO Box 200
    Skelmersdale
    WN8 6YS
  • Destroy any cards in the deceased account holder's name.
  • Cancel any continuous authorities with the company concerned that relate solely to the deceased account holder. These are regular automatic payments. (examples of this type of payment are AA, RAC).

When we receive the details wee will remove the name from the account. The sort code and account number will stay the same, so the sole account holder can continue to use the account and cheque book. We will send out a new cheque book as soon as possible.

Pensions

Telephone us

Contact our help line on 08457 46 46 46^

Stakeholder

Our customer contact centre lines are open Monday to Friday 8.00am to 8.00pm and Saturday 8.00am to 5.00pm

Personal pensions

Our customer contact centre lines are open Monday to Friday 8.30am to 5.00pm.

Write to us

The Co-operative Insurance
Customer services
Miller Street
Manchester
M60 0AL

The Co-operative Legal Services is authorised and regulated by the Solicitors Regulation Authority of England and Wales under registration number 567391. A list of the directors is available for inspection at our Registered Office.