Dormant Bank and Building Society Accounts Bill [HL]

I am not particularly keen on the word ““monkey”” as an alternative. I believe it has financial implications in some jargon and would totally confuse the issue. Be that as it may. I understand the Minister’s point but, if that is so, the right expression would be ““creditor”” or ““the creditor’s heirs”” and not ““customer””. He has just said that it is a debt but that point is not met by the use of the word ““customer””. Customers may or may not have debts. I understand that he has an objection on those grounds to the word ““owner””. It seems to me to be better than ““customer”” but perhaps it should be ““creditor or his heirs””. I do not think that ““customer”” is right because the person owning the asset may not be, or ever have been, a customer of the bank concerned.