Future Saver for Children bank account – who owns the money?

One of our clients has been paying their tax credits into a HSBC Future Saver for Children account.  The bank statement gives the account name as Mr X (dad) for Miss Y (daughter).  There is over £16000 in the account. 

Does the money count as capital for the dad or the daughter.  Daughter is now 18.  Dad is adamant that the money should belong to her.

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