M

y 17-year-old grandson has some money from his great aunt saved in Premium Bonds. Although he is a UK citizen, he hasn’t lived here since 2014 and is based in New Zealand with his parents. National Savings & Investments (NS&I) has my home in the UK registered as his address.

We recently found out that he had won a prize of £25, which was sent as a cheque to my house. This win came as a pleasant surprise but there’s a problem: he can’t cash this cheque because he doesn’t have a UK bank account and we cannot cash it for him. Although he only won £25, who knows if the next prize is a big one? We are worried that if he gets a bigger prize, he won’t be able to access it.

Name and address supplied

Katherine Denham writes