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If you want to check if you have won a prize not claimed, you can check visiting NS & I (nsandi.com) Web site and entering the number of the holder of your obligations to premium price checker on the home page search facility.

Alternatively, you can write to the following address: Premium, national savings & Investments, Glasgow, G58 1WA obligations.

If you do not know your owner number, it is always possible to know if you are due to gains unclaimed, although the process is more complicated. The website mylostaccount.org.uk helps track you which can lie dormant in the accounts of the banks, companies building and NS & I lost money.

Service covers accounts to organizations that are no longer exist in their original form, such as merged banks or building societies demutualised. Some foreign banks that operate in the United Kingdom participate also in the schema.

The website will ask you a number of issues, such as the name of the institutions where you think you can held accounts, the type of account, the branch that you used and your address at the time.

If a Bank, building society or NS & I think found an account you are looking for, they should allows you to provide documents, such as a passport, driver's license or birth certificate, showing that the account is rightfully yours.

Inactive accounts more have only small sums in them - typically ￡ 50 or less. However there are some with tens of thousands of books that waits for the rightful owner is displayed.

Only banks are between ￡ 250 and 350 million from ￡ sitting in their chests, waiting to be collected. This is money remaining in the banks accounts about 500 in the past 100 years. There are approximately 40 current banks participating in the current fiscal year, but by means of these, it should be possible to monitor all open to any UK bank account going back at least as far as 1900.

All construction companies have signed the mylostaccount.org.uk service. This means that you should be able to trace the money left in a 1,500 companies building which has been in the past 100 years but since then have been merged or taken in other.

Total between 130 million books and 150 million from ￡ is currently located in dormant accounts with construction companies.

There are hundreds of millions of pounds of dormant unclaimed funds NS a & I accounts but if you add other NS & I products - including unclaimed prize bond - differential turnover amounted to about 1 billion from ￡.

This includes about 200 million pounds in the ordinary account which was launched in 1861, but closed in 2004. It seems much money but more of four out of five of these accounts were less than ￡ 1 with an average pay only 19 percent. In fact only 1 in 100 consists of more than ￡ 50.

Some 400 million pounds of money not claimed is in fixed interest with another savings certificates 80 million pounds in index-linked savings certificates. Another 260 million pounds of forgotten money is tied up in the investment account.

You can start a trace money linked to NS & I produced via www.nsandi.com/help/tracing_service or via the website mylostaccount.

Previous research by experts that Mintel suggests that there were at least 12 billion pounds of shares of privatized companies that had never been claimed. This means that dividends on those shares were also left non-paid.

Registrars admit that the old system of share certificates - rather than holding shares by candidates - does that shareholders simply "disappear", usually because only they moved and never provided forwarding addresses.

Annabel Brodie-Smith, the Association of investment companies noted: "we are always ready to help people trace lost or forgotten investment trust investments if they write to: AIC, 24 Chiswell Street, London EC1Y 4YY.".

Otherwise, the register of unclaimed property will help www.uar.co.uk/benefit.htm but they charge ￡ 25.

The giant insurance companies admit that they never claimed life policies on and never paid pension savings. Earlier proposed Mintel research could be over 300 million unclaimed pension fund books and another 100 million pounds of pair being on politics.

You can use the register of unclaimed - www.uar.co.uk/benefit.htm - property to trace the if there is money to which you are entitled, but there is a fee of ￡ 25. Spokesman James Jones says that nothing is updated for the amount involved.

He explained: "we have approximately 5.5 million registered against any potential claim documents can be verified." Although we have no idea of the overall value involved, it seems that around 43pc are linked to policies of life, pension 6pc occupational and personal pension 3pc. ?

To start your research is research of the pension service. Call 0845 6002 537, visit www.direct.gov.uk or write to pensions research, Tyneview Park, Whitley Road, Newcastle on Tyne, NE98 1BA

Official figures from the Ministry of labour and pension suggest that tens of billions of pounds means tested benefits go not claimed each year.

The biggest slice is not claimed pensions credit, but there is also a huge amount of tax not claimed and housing benefits. Money due to job-seekers and help people with low incomes was also left not claimed.

A spokesman for the opinion of citizens declared: "we calculate that three of the four individuals working tax credit law fail to claim it and some three million miss out on the benefits of fiscal Council to which they are entitled."

Help is available in the local Citizens Advice Bureaux, online at our website www.adviceguide.org.uk or there is a calculator online site Web HM Revenue and customs to www.hmrc.gov.uk.

Millions of people sit glued to the TV every Saturday evening, hoping to become the next Lottery millionaires. Surprisingly, all winners step collect their prices according to Camelot, the Organizer.

Spokesman Simon Horne stated: "prize is not claimed within 180 days is added to the money give us to good causes."

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