Nearly a million young people have yet to claim their Child Trust Funds, MPs have warned. However, children who lack capacity are particularly affected, with an estimated 80,000 having to rely on their families to go through a lengthy, often costly court process to access their savings. Harry is one of those 80,000. His mum, Ramandeep Kaur, has saved more than £7,000 in his savings account – assuming he would be able to access it like his older brother.