7.1 for me, driven out of bed at 4.30 by the snoring coming from the other side

Today I have to go to town to argue with Lloyd's bank. My mum had her UK account abruptly closed by Santander and because she no longer has an address here, she isn't able to open an account with another high street bank.
Eventually, she persuaded Santander to issue a cheque for the closing balance made payable to me. This took a couple of months of emails, phone calls etc
The cheque finally arrived while I was in Turkey and Larry sent me a photo of it.
I paid the cheque in at the branch ten days ago but it wasn't showing on my account either as cleared or pending. On Saturday I received a letter from Lloyd's saying the cheque had been rejected due to unclear printing.
Looking at the photo of the cheque, the printing is perfectly clear and my guess is it's the scan of the cheque they made when I paid it in that was unclear.
It's for quite a significant amount and if they won't accept it, I don't know how I'm going to get it reissued, bearing in mind that my mum no longer has an account with Santander and neither do I. So it's not like I can just ring them up and ask for a new one!
Anyway, there's a Lloyd's and a santander not far from each other, so if I don't get anywhere with one I can try the other one.