Many thanks for the replies guys. Very helpful. I agree the most likely answer is the 'proof of life' cert. I'm 71, and never had one, so didn't know it existed. I tried calling the phone number given but after a wait of 15 minutes while listening to some 'irk' strumming a guitar, and being told continuously to 'continue to hold', I gave up. Will try later in the day (UK time).