Dormant Bank and Building Society Accounts Bill [HL]

How is this supposed to work? If a bank transfers £100 from a dormant account to the reclaim fund and at some later stage someone establishes their entitlement to that account, and if the bank then says, ““Oh, it is £120””— and tells the reclaim fund that it is £120—does the reclaim fund pay out £120? Whether the extra is for accrued interest from the time the £100 went over to the fund or some other amount, how will this work in practice? The reclaim fund will not have access to the information and therefore will not know whether that is the right amount. I am a little confused as to how this will work. I apologise for asking this basic question but it was not until the Minister started describing it that I thought, ““I am not sure I know how this works””.