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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 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 01695 621 008 Find out about our call charges.