With regard to the suggestions of obtaining the funds by other means, namely using someone with the same name as your late father, I think that this would amount to fraud
I've done the same for my Mam too.. I didn't consider it fraudulent as I hadn't stolen the cheques..Oops, wasn't meant to be a suggestion on doing something intentionally fraudulent, sorry OP thought it might be something that might be able to be done as I share the same name as my mam and have often lodged cheques payable to her into my account as she doesn't have a bank account either.
A/c payee only" is a general crossing, and does not limit it to being lodged in a particular account
Surely "only" means payee and no one else
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