Take the following to the bank:
a. Proof of death of the depositor - death certificate
b. Proof of relationship with the depositor - proof that you are the depositors blood relative
c. No objection certificate from other blood relatives of the depositor.
Here the bank will not pay the money until you provide all the 3 above. Blood relative here refers to immediate brother/sister, husband/wife, parents and children.
If the deceased has a legal WILL where he has nominated someone as their heir, then the bank will easily release the funds without much hassle.
Who do you intend to claim from?
One should appoint a nominee in case if the policy holder dies during hospitalization in non-network hospital, his/her nominee can process a claim and entitled to get reimbursement from the insurer. So it is strongly advised to appoint a nominee at the time of buying health insurance.
Presumably your talking about a credit in a general trade or deposit type account, (not a payroll matter, rent deposit or something on the priority list), it is simply an unsecured non-priority claim.
i would say you start by written request
Every Fixed Deposit will have a certificate linked to it. The bank would issue you a certificate that is the proof that you have a fixed deposit with the bank that is worth 'n' rupees and matures on 'x' date. You need to carry this back to the bank and submit it and ask for cashing your fixed deposit. The bank will accept the certificate and pay you the cash that is due for the deposit.
20 years
If you made a deposit on land and the sale didn't go through then you could sue the recipient of the deposit if you can prove you paid it and that it was paid as a deposit on the land. That may be difficult if there was no agreement in writing.
in most cases, the court will AUTOMATICALLY award 2-3x more
The beneficiary (nominee) of the policy has to intimate the insurance company officially along with a copy of the death certificate, when sets of forms are handed over to him for submission with all required details. After which the insurer may visit the nominee for a nut shell discussion and the claim is processed afterwards. Generally in natural death, all efforts are taken to clear the death claim benefit earliest.
When opening a check account, the holder of the account signs a document that outlines all of the charges that can be imposed. If the 7 day recurring NSF fee was stated in the document, the account holder can not claim ignorance.
Usually up to 30 days
Technically no, since the term "garnish" applies to wages and not to assets in general. However, collectors can file a claim against assets held by you, including those in a safe deposit box, whether you're employed or not.