Question over bank locker
Querist :
Anonymous
(Querist) 27 June 2011
This query is : Resolved
Dear Sir/madam,
I am a student in Delhi and my grandmother passed away two months ago.She had been taking care of the family using her pension.My family includes me, my mother and my father as well as a cousin from a deceased aunt.
My grandmother had a bank locker in which she had kept hers and my mothers jewellery.
The yearly payment for the locker goes from a fixed deposit which exists in the same bank in my cousins name.
My father is a drunkard and may try to sell the jewellery to satisfy his addiction.
Is it possible that he and my cousin have access to the locker even without succession certificate as the rent goes from my cousins fixed deposit account.
Regards
Guest
(Expert) 27 June 2011
Only duly appointed nominee or the person with hiership certificate can have access to the lcoker.
R.Ramachandran
(Expert) 28 June 2011
Who was operating the locker when your grand mother was alive?
If it was only your grand mother,then the banker will not allow anyone else to open the locker unless as rightly pointed out by MR. Dhingra there is any nominee authorised to operate the locker.
In any case, better approach the bank and tell them that your grand mother has died. They should not allow anybody to open the locker.
In the meanwhile, you have to apply for and get succession certificate. Obviously, your father will be the successor. Therefore, once that certificate is obtained, your father would be in a position to get access to the locker. Then, it is for you people to ensure that the valuable is not squandered away by him. The same applies to the SB account and also the fixed deposits if any in the name of your grandmother.
Querist :
Anonymous
(Querist) 28 June 2011
The locker had been in the joint name of my grandfather and my grandmother.After death of my grandfather the locker became in the name of my grandmother.
My grandmother only had an account which does not have much balance,the locker and and flat.
In getting a succession certificate my father will have to inform who else is the legal heir right?
And this will require us to give no-objection without which my father will not be able to get a certificate?
The bank branch is old and some of those working there are known to my family.Do you think their is a possibility my father can convince them open the locker?
Regards
R.Ramachandran
(Expert) 28 June 2011
All the sons and daughters of your grand mother only are the legal heirs to start with. Only if any of the son(s) or daughter(s) have died and such pre-deceased son/daughter had left behind any son or daughter (i.e. grand son / grand daughter of your grandmother) only they are the legal heirs.
Since your father is alive, you are not the legal heir of your grand mother and as such your signature/consent/no objection would not be required.
Querist :
Anonymous
(Querist) 29 June 2011
We currently live in a flat in a co-operative society which was jointly in the name of my grandfather and grandmother.
There is no will or nomination favoring my father.
After showing succession certificate will he get full ownership or will i and my mother have a share as well?
R.Ramachandran
(Expert) 29 June 2011
Only your father has right in the property. Neither you nor your mother has any right so long as your father is alive.
