How can I find out if my old Lloyds Bank paper 株 from 1992 have any value - and how do I cash them in?
- One reader was given paper 株 in the 90s and doesn't know what to do
- Over ten million people still 持つ／拘留する paper 株 証明書s?
- 専門家s explain what to do if you have paper 株 and how to cash them in
I was given 株 as part of my salary in 1992 and 1993 when I worked for Lloyds Bank.?
I still have the paper 株, I have tried to 接触する Lloyds with no luck.?
How can I find out if these have any value that I can cash them in? M. W 経由で email???
Paper 追跡する: Our reader has 設立する it hard to 跡をつける 負かす／撃墜する the 権利 person to speak to to cash in 株 given to her in 1992 and 1993 at Lloyds
Helen Kirrane, of This is Money, replies:?It's far more ありふれた for 株 to be held in electronic form these days, 経由で a 指名された人 account with an 投資するing 壇・綱領・公約, but you might be surprised to learn that more than 10 million people are still thought to 持つ／拘留する 株 証明書s in the UK.?
So you are not alone here - and many like you will have 株 証明書s going 支援する some time.
There has been talk of 廃止するing 株 証明書s altogether and setting up a proper direct 数字表示式の 株 所有権 system, but this has been 延期するd by Brexit and the 転換 away from EU 支配するs.
Lloyds Banking Group is a major 軍隊 in British banking and 名簿（に載せる）／表（にあげる）d on the London 在庫／株 交流, you can check the price and 詳細（に述べる）s of Lloyds Banking Group 株 in our market data.
Your Lloyds Bank 株 date 支援する to an older 見解／翻訳／版 of the company, before its 財政上の 危機 合併 with Halifax Bank of Scotland. You still have a valid 火刑／賭ける in today's 商売／仕事, but getting them valued is わずかに more 複雑にするd than 簡単に looking up the price.
To do this you need to call?the registrar of 株 at Lloyds Bank. which is Equiniti, not that bank itself. If you have been trying the latter, this may be why you 港／避難所't been able to make much 進歩.
A spokesperfom from Equniti said: 'For anyone who 持つ／拘留するs paper 株 証明書s, the first step is to check that the 証明書s are still valid.?
'ーするために do this, we will do a 指名する and 演説（する）／住所 check to see if it matches any 株主 account(s) we have for you.'??
If the company you have 株 in goes through a '法人組織の／企業の event' for example a 合併, 法人組織の／企業の 活動／戦闘 or 権利s 問題／発行する, new 証明書s may be 問題／発行するd 無効にするing old 証明書s.
New 証明書s would have been 問題／発行するd for Lloyds 株主s in 1996 予定 to the 合併 of Lloyds and TSB a few years after you received yours in 1993.?
But I was told by Equiniti that may be the 事例／患者 that new 証明書s were 問題／発行するd to a different account in your 指名する or to a different 演説（する）／住所 if you moved house.
The first thing to do is 接触する them on to see if yours are valid by calling?0371 384 2990 for Lloyds Bank 株主 services, you will need the 証明書s and your 株主 number to 手渡す.
We also asked an 投資 専門家 how ありふれた this 肉親，親類d of 状況／情勢 is and for their advice for people who find themselves in it.
Poppy Fox, investmen t 経営者／支配人 at Quilter Cheviot, replies: We 定期的に see （弁護士の）依頼人s who have paper 株, いつかs piles of them, so you are not alone.?
These 株 are often rather old, but that does not automatically mean they are no longer valid. This is 特に the 事例／患者 in instances such as this where the company is still 貿易（する）ing, as the paper 株 are more likely to still 持つ／拘留する real value.?
'In some 事例／患者s there may be new 問題／発行するs of 株 証明書s when there are 法人組織の／企業の 活動／戦闘s, 合併s or 取得／買収s for example, which may mean some are no longer valid, but it is always 価値（がある） checking before throwing them away assuming they are worthless.
The registrar, such as Equiniti, should be your first port of call. They will typically have both an online and a telephone service which can help you check to see whether a 証明書 is still valid and then help you manage your 持つ／拘留するing. Once you have 確認するd the 有効性，効力, you can 選ぶ to sell or 移転 your 持つ／拘留するing どこかよそで if you wish to.
How to cash in your 株?
Helen Kirrane 追加するs: I spoke them regarding your paper 株 and they were 確信して that they would be able to help you if you get in 接触する with them and 供給する your 十分な 指名する and the 演説（する）／住所 you were 登録（する）d with at the time you were working for Lloyds.?
They should be able to help you along the next steps regarding valuing the 株 and telling you how to cash these in.?
Once Equiniti have 設立するd that your 株 証明書s are valid, there are several ways that you may be able to cash them in. You will have to 支払う／賃金 a selling 料金 for each of the methods.
You can sell them online, through Shareview and comission for this method starts at £15. You can also cash them in wit h a 売買業者 over the phone with （売買）手数料，委託（する）／委員会／権限 starting at £25.?
Cashing them in by 地位，任命する is another 選択, which will be 支配する to a 料金 starting at £60.?
You will need to download a 郵便の 株 取引，協定ing form, but 耐える in mind that this is the most expensive way to sell your 株.?
Sale proceeds will be 問題／発行するd to you by cheque or Bacs.?
You told me that you had a total number of 137 株 at a value of £1 each as of 14 October 1993, the last time you received a 株 証明書. The 株 were then 価値（がある） £137.?
Working out the value is not as simple as looking up today's Lloyds 株 price (which is 45.5p), 予定 to past 法人組織の／企業の events that could have changed the actual number of 株 in today's Lloyds Banking Group that you 持つ／拘留する.
What to do if you have lost 株 証明書s?
Poppy Fox 追加するs:?If you think you have lost any of your 株 証明書s it could be 価値（がある） 接触するing the registrar, as you may need to 完全にする an 賠償金 form, and usually 支払う／賃金 a small 料金, to have the 証明書 取って代わるd.
The EU has passed 法律制定 to end the use of paper 株 証明書s by 2025, and while the UK no longer has to 会合，会う this timeline 予定 to Brexit, a taskforce has been 設立するd to 演説（する）／住所 how 存在するing paper 株 can be digitalised.
It is likely that 株 証明書s will be 段階d out over the next few years and 取って代わるd with a 数字表示式の 見解／翻訳／版.
