Mortgage Endowment paid to me instead of Santander

I've had the proceeds of my mortgage endowment paid to me by cheque instead of directly to santander.

How long do you think i could string santander along with, 'im on holiday' and 'the cheque is in the post' type excuses whilst i bank the cheque and earn £5 a day and Santander charge me £2 a day!!!!!

This is Santanders fault they sent a letter to the insurance company releasing their interest in the policy 2 weeks ago!!!