Surname in Malabar- Kerala

I always had problems with any kind of registrations. My name as per the official documents T P Priya. Even after marriage I have not changed it. Now this gives a unique problem, where ever we have to enter name they ask for first and a surname. Recently while opening an account I was asked to expand my initials in the name. So my name as per the bank goes this way Thottolil Payyanadan Priya. Yesterday I got a call from my bank asking for thottolil. Then I had to explain to her that my name is Priya and not thottolil.

This problem is unique to south India. But now people have started using fathers/husbands name as surnames. In north they follow rule similar to the western naming system. The naming system in Malabar is unique .I am yet to come across a person with the same surname as mine (other than my cousins).