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Deceased was a sole account holder. Nominee was her son. Bank issued the payment nominees joint account. Is this permitted without the bank getting a clearance from the heirs, or an affidavit declaring the heirs
A nominee is not the owner of the money. The bank should not release the money without the consent or affidavit of all legal heirs. You can send a legal notice to both the bank and nominee and file a court case to claim your rightful share. Complaint can also be made to the Banking Ombudsman. It is advised to consult an expert lawyer who will assist you in understanding your rights and options. For further legal assistance contact us on our helpline number.