Unclaimed property
Unclaimed property — claim cover letter
Accompanies an official state claim form. Filing directly is always free; this letter exists so nobody pays a finder a percentage to do it for them.
unclaimed.claim-cover8 languages90-day reply window
What it actually says.
Rendered live from invented facts: A dormant account reported to the state, being claimed directly rather than through a paid finder. The claimant is fictional and the figures are illustrative — your own claim produces its own numbers and its own citations.
The authority in the preview
It cites the article, not the act.
A document has to name the provision it relies on or it gets filed. These are the citations the sample evaluation put into the letter above; a real claim substitutes the ones its own regimes produced.
- RUUPA § 903Revised Uniform Unclaimed Property Act (2016)§ 903 — claim by the owner
Where it comes from
The laws that can produce this document.
A rule module declares the documents its evaluation can render into. These are the regimes in the current catalogue that offer this one — each with its own citations, deadlines and escalation ladder.
England & Wales — unclaimed estates and bona vacantia (Administration of Estates Act 1925 s. 46)GB-EAWSub-national — United KingdomAdministration of Estates Act 1925 (c. 23), s. 46(1)(vi)Confidence: mediumFrance — comptes inactifs et contrats en déshérence (loi Eckert; Ciclade)FRNational — FranceCode monétaire et financier, art. L. 312-20Confidence: highDeutschland — nachrichtenlose Konten (no central register; claim against the bank)DENational — GermanyBürgerliches Gesetzbuch, §§ 195, 199Confidence: lowIreland — dormant accounts and unclaimed life assurance (Dormant Accounts Act 2001)IENational — IrelandDormant Accounts Act 2001 (No. 32 of 2001)Confidence: mediumItalia — rapporti dormienti e il Fondo presso CONSAP (L. 266/2005, art. 1, commi 343–345)ITNational — ItalyLegge 23 dicembre 2005, n. 266, art. 1, commi 343–345Confidence: mediumNederland — slapende tegoeden (bank and insurer registers; no statutory escheat)NLNational — NetherlandsBurgerlijk Wetboek, Boek 3, art. 3:306 and 3:307Confidence: lowEspaña — saldos y depósitos abandonados (Ley 33/2003, art. 18)ESNational — SpainLey 33/2003, de 3 de noviembre, del Patrimonio de las Administraciones Públicas, art. 18Confidence: mediumSwitzerland — dormant assets at Swiss banks (Banking Act art. 37m; Banking Ordinance arts. 45–59)CHNational — SwitzerlandBundesgesetz über die Banken und Sparkassen (Banking Act), art. 37mConfidence: mediumUnited Kingdom — dormant accounts and assets (Dormant Bank and Building Society Accounts Act 2008)GBNational — United KingdomDormant Bank and Building Society Accounts Act 2008 (c. 31), ss. 1–2Confidence: highAlabama unclaimed property — Ala. Code §§ 35-12-70 to 35-12-99US-ALSub-national — United StatesAla. Code §§ 35-12-70 to 35-12-99Confidence: mediumAlaska unclaimed property — Alaska Stat. §§ 34.45.110–34.45.780US-AKSub-national — United StatesAlaska Stat. §§ 34.45.110–34.45.780Confidence: mediumAlberta — unclaimed property (Unclaimed Personal Property and Vested Property Act)CA-ABSub-national — CanadaUnclaimed Personal Property and Vested Property Act, SA 2007, c. U-1.5Confidence: mediumArizona unclaimed property — Ariz. Rev. Stat. §§ 44-301 to 44-341US-AZSub-national — United StatesAriz. Rev. Stat. §§ 44-301 to 44-341Confidence: mediumArkansas unclaimed property — Ark. Code §§ 18-28-201 to 18-28-231US-ARSub-national — United StatesArk. Code §§ 18-28-201 to 18-28-231Confidence: mediumBritish Columbia — unclaimed property (Unclaimed Property Act, SBC 1999, c. 48)CA-BCSub-national — CanadaUnclaimed Property Act, SBC 1999, c. 48Confidence: mediumCalifornia unclaimed property — Cal. Code Civ. Proc. §§ 1500–1582US-CASub-national — United StatesCal. Code Civ. Proc. §§ 1500–1582Confidence: mediumCanada — unclaimed bank balances held by the Bank of Canada (Bank Act ss. 438–440)CANational — CanadaBank Act (S.C. 1991, c. 46), ss. 438–440Confidence: mediumColorado unclaimed property — Colo. Rev. Stat. §§ 38-13-101 to 38-13-1405US-COSub-national — United StatesColo. Rev. Stat. §§ 38-13-101 to 38-13-1405Confidence: mediumConnecticut unclaimed property — Conn. Gen. Stat. §§ 3-56a to 3-76US-CTSub-national — United StatesConn. Gen. Stat. §§ 3-56a to 3-76Confidence: mediumDelaware unclaimed property — Del. Code tit. 12, §§ 1130–1224US-DESub-national — United StatesDel. Code tit. 12, §§ 1130–1224Confidence: mediumDistrict of Columbia unclaimed property — D.C. Code §§ 41-101 to 41-142US-DCSub-national — United StatesD.C. Code §§ 41-101 to 41-142Confidence: mediumFlorida unclaimed property — Fla. Stat. ch. 717US-FLSub-national — United StatesFla. Stat. ch. 717Confidence: mediumGeorgia unclaimed property — O.C.G.A. §§ 44-12-190 to 44-12-236US-GASub-national — United StatesO.C.G.A. §§ 44-12-190 to 44-12-236Confidence: mediumHawaii unclaimed property — Haw. Rev. Stat. ch. 523AUS-HISub-national — United StatesHaw. Rev. Stat. ch. 523AConfidence: mediumIdaho unclaimed property — Idaho Code §§ 14-501 to 14-543US-IDSub-national — United StatesIdaho Code §§ 14-501 to 14-543Confidence: mediumIllinois unclaimed property — 765 ILCS 1026US-ILSub-national — United States765 ILCS 1026Confidence: mediumIndiana unclaimed property — Ind. Code ch. 32-34-1.5US-INSub-national — United StatesInd. Code ch. 32-34-1.5Confidence: mediumIowa unclaimed property — Iowa Code ch. 556US-IASub-national — United StatesIowa Code ch. 556Confidence: mediumKansas unclaimed property — Kan. Stat. §§ 58-3934 to 58-3978US-KSSub-national — United StatesKan. Stat. §§ 58-3934 to 58-3978Confidence: mediumKentucky unclaimed property — Ky. Rev. Stat. ch. 393AUS-KYSub-national — United StatesKy. Rev. Stat. ch. 393AConfidence: mediumLouisiana unclaimed property — La. Rev. Stat. §§ 9:151 to 9:182US-LASub-national — United StatesLa. Rev. Stat. §§ 9:151 to 9:182Confidence: mediumMaine unclaimed property — 33 M.R.S. ch. 45US-MESub-national — United States33 M.R.S. ch. 45Confidence: mediumMaryland unclaimed property — Md. Code, Com. Law §§ 17-101 to 17-326US-MDSub-national — United StatesMd. Code, Com. Law §§ 17-101 to 17-326Confidence: mediumMassachusetts unclaimed property — M.G.L. c. 200AUS-MASub-national — United StatesM.G.L. c. 200AConfidence: mediumMichigan unclaimed property — Mich. Comp. Laws §§ 567.221 to 567.265US-MISub-national — United StatesMich. Comp. Laws §§ 567.221 to 567.265Confidence: mediumMinnesota unclaimed property — Minn. Stat. ch. 345US-MNSub-national — United StatesMinn. Stat. ch. 345Confidence: mediumMississippi unclaimed property — Miss. Code §§ 89-12-1 to 89-12-57US-MSSub-national — United StatesMiss. Code §§ 89-12-1 to 89-12-57Confidence: mediumMissouri unclaimed property — Mo. Rev. Stat. §§ 447.500 to 447.595US-MOSub-national — United StatesMo. Rev. Stat. §§ 447.500 to 447.595Confidence: mediumMontana unclaimed property — Mont. Code §§ 70-9-801 to 70-9-829US-MTSub-national — United StatesMont. Code §§ 70-9-801 to 70-9-829Confidence: mediumNebraska unclaimed property — Neb. Rev. Stat. §§ 69-1301 to 69-1332US-NESub-national — United StatesNeb. Rev. Stat. §§ 69-1301 to 69-1332Confidence: mediumNevada unclaimed property — Nev. Rev. Stat. ch. 120AUS-NVSub-national — United StatesNev. Rev. Stat. ch. 120AConfidence: mediumNew Hampshire unclaimed property — N.H. Rev. Stat. ch. 471-CUS-NHSub-national — United StatesN.H. Rev. Stat. ch. 471-CConfidence: mediumNew Jersey unclaimed property — N.J. Stat. §§ 46:30B-1 to 46:30B-109US-NJSub-national — United StatesN.J. Stat. §§ 46:30B-1 to 46:30B-109Confidence: mediumNew Mexico unclaimed property — N.M. Stat. §§ 7-8A-1 to 7-8A-31US-NMSub-national — United StatesN.M. Stat. §§ 7-8A-1 to 7-8A-31Confidence: mediumNew York unclaimed property — N.Y. Abandoned Property LawUS-NYSub-national — United StatesN.Y. Abandoned Property LawConfidence: mediumNorth Carolina unclaimed property — N.C. Gen. Stat. ch. 116B, art. 4US-NCSub-national — United StatesN.C. Gen. Stat. ch. 116B, art. 4Confidence: mediumNorth Dakota unclaimed property — N.D. Cent. Code ch. 47-30.2US-NDSub-national — United StatesN.D. Cent. Code ch. 47-30.2Confidence: mediumOhio unclaimed property — Ohio Rev. Code ch. 169US-OHSub-national — United StatesOhio Rev. Code ch. 169Confidence: mediumOklahoma unclaimed property — Okla. Stat. tit. 60, §§ 651–688US-OKSub-national — United StatesOkla. Stat. tit. 60, §§ 651–688Confidence: mediumOregon unclaimed property — Or. Rev. Stat. ch. 98US-ORSub-national — United StatesOr. Rev. Stat. ch. 98Confidence: mediumPennsylvania unclaimed property — 72 Pa. Stat. §§ 1301.1 to 1301.29US-PASub-national — United States72 Pa. Stat. §§ 1301.1 to 1301.29Confidence: mediumQuébec — biens non réclamés (Loi sur les biens non réclamés, RLRQ c. B-5.1)CA-QCSub-national — CanadaLoi sur les biens non réclamés, RLRQ c. B-5.1Confidence: mediumRhode Island unclaimed property — R.I. Gen. Laws ch. 33-21.1US-RISub-national — United StatesR.I. Gen. Laws ch. 33-21.1Confidence: mediumSouth Carolina unclaimed property — S.C. Code §§ 27-18-10 to 27-18-400US-SCSub-national — United StatesS.C. Code §§ 27-18-10 to 27-18-400Confidence: mediumSouth Dakota unclaimed property — S.D. Codified Laws ch. 43-41BUS-SDSub-national — United StatesS.D. Codified Laws ch. 43-41BConfidence: mediumTennessee unclaimed property — Tenn. Code §§ 66-29-101 to 66-29-153US-TNSub-national — United StatesTenn. Code §§ 66-29-101 to 66-29-153Confidence: mediumTexas unclaimed property — Tex. Prop. Code tit. 6, chs. 71–77US-TXSub-national — United StatesTex. Prop. Code tit. 6, chs. 71–77Confidence: mediumUnited States — abandoned retirement plans and the Retirement Savings Lost and Found (DOL)USNational — United States29 U.S.C. § 1150 (ERISA § 523)Confidence: mediumUnited States — FHA mortgage-insurance refunds and distributive shares (HUD)USNational — United States24 C.F.R. § 203.283Confidence: mediumUnited States — matured and unredeemed savings bonds (Treasury Hunt)USNational — United States31 U.S.C. § 3105Confidence: mediumUnited States — unclaimed deposits from failed banks and credit unions (12 U.S.C. § 1822(e))USNational — United States12 U.S.C. § 1822(e)Confidence: mediumUnited States — unclaimed federal tax refunds (26 U.S.C. § 6511)USNational — United States26 U.S.C. § 6511Confidence: highUnited States — unclaimed pensions held by the Pension Benefit Guaranty CorporationUSNational — United StatesERISA Title IV, 29 U.S.C. §§ 1301–1461Confidence: mediumUnited States — unclaimed veterans' insurance funds and benefits (VA)USNational — United States38 U.S.C. ch. 19Confidence: lowUtah unclaimed property — Utah Code ch. 67-4aUS-UTSub-national — United StatesUtah Code ch. 67-4aConfidence: mediumVermont unclaimed property — 27 V.S.A. ch. 18US-VTSub-national — United States27 V.S.A. ch. 18Confidence: mediumVirginia unclaimed property — Va. Code §§ 55.1-2500 to 55.1-2545US-VASub-national — United StatesVa. Code §§ 55.1-2500 to 55.1-2545Confidence: mediumWashington unclaimed property — RCW ch. 63.30US-WASub-national — United StatesRCW ch. 63.30Confidence: mediumWest Virginia unclaimed property — W. Va. Code §§ 36-8-1 to 36-8-36US-WVSub-national — United StatesW. Va. Code §§ 36-8-1 to 36-8-36Confidence: mediumWisconsin unclaimed property — Wis. Stat. ch. 177US-WISub-national — United StatesWis. Stat. ch. 177Confidence: mediumWyoming unclaimed property — Wyo. Stat. §§ 34-24-101 to 34-24-140US-WYSub-national — United StatesWyo. Stat. §§ 34-24-101 to 34-24-140Confidence: mediumBrasil — Sistema de Valores a Receber (SVR), Banco Central do BrasilBRNational — BrazilLei n° 14.973, de 16 de setembro de 2024Confidence: lowKenya — unclaimed financial assets (Unclaimed Financial Assets Act, No. 40 of 2011)KENational — KenyaUnclaimed Financial Assets Act, No. 40 of 2011Confidence: mediumSouth Africa — unclaimed retirement benefits and the Guardian's FundZANational — South AfricaPension Funds Act 24 of 1956Confidence: mediumHong Kong — dormant accounts and unclaimed money (no general escheat scheme)HKNational — Hong Kong SAR ChinaCompanies Ordinance (Cap. 622), Pt 15Confidence: lowIndia — unclaimed deposits (RBI DEA Fund and UDGAM) and unpaid dividends and shares (IEPF)INNational — IndiaBanking Regulation Act 1949, s. 26AConfidence: mediumJapan — dormant deposits (Act No. 101 of 2016, in force 1 January 2018)JPNational — JapanAct on Utilization of Funds Related to Dormant Deposits to Promote Public Interest Activities by the Private Sector (Act No. 101 of 2016)Confidence: mediumSingapore — unclaimed moneys (no general escheat scheme)SGNational — SingaporeInsolvency, Restructuring and Dissolution Act 2018, unclaimed moneys provisionsConfidence: lowAustralia — unclaimed money held by ASIC, and lost superannuation held by the ATOAUNational — AustraliaBanking Act 1959 (Cth), s. 69Confidence: mediumNew Zealand — unclaimed money held by Inland Revenue (Unclaimed Money Act 1971)NZNational — New ZealandUnclaimed Money Act 1971 (NZ)Confidence: medium
The rest of the sequence
Documents are written to be worked through in order: the opening demand, then the answer to whatever they refuse with, then the escalation. Sending the last one first usually costs you the first two.
You send it
Fill in your own facts and this letter writes itself.
The claim wizard produces this document with your figures, your citations and your deadline already in it. You still print it, sign it and post it yourself — that part is not delegable and we would not take it if it were.
Duesday is not a law firm and does not provide legal advice. This document is an editable template assembled from publicly available law. You are responsible for checking that the facts and the law stated are correct for your situation, and you send it yourself in your own name. Nothing here creates a solicitor–client or attorney–client relationship, and no outcome is promised.