my mom has missed one of hers from way back? wat shd she do?
All you need to do is go to the Registrar of the bank or organization whose shares you own.
They'll give you an Indemnity Form to fill. You have to take this Indemnity form, get a Police Report or a sworn affidavit and one passport photograph of the person who owns the shares. Go to any branch of Guaranty Trust Bank Plc around you.
Ask for the Bancassurance Associate there and you'll be given a Shares Indemnity certificate. With that, your Shares Certificate will be replaced and you can get your dividends.