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    • himynameisaaron
    • By himynameisaaron 8th Sep 17, 4:21 PM
    • 168Posts
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    himynameisaaron
    Brother problems
    • #1
    • 8th Sep 17, 4:21 PM
    Brother problems 8th Sep 17 at 4:21 PM
    Hi

    Had a conversation with my brother today regarding him purchasing a car, he is currently at the dealership with my mum and started asking me questions like "Is it okay to put you down as a family member?", and about work income and how much I receive each month between my two jobs. I then started to be suspicious because he wanted to know my sort code and account number.

    Now, would this be for a regular Direct Debit whereby if he fails to make a payment then he will come to me or would it be just a quick credit check? I wish I never gave him all those details now because he never told me what he was doing with the bank details, so am not really happy.

    I don't want to ask him why he needs all those details without wanting a second opinion first.
    Last edited by himynameisaaron; 08-09-2017 at 4:26 PM.
Page 5
    • Ames
    • By Ames 10th Sep 17, 1:18 PM
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    Ames
    She may have exaggerated his condition to get more money for Aaron's benefit rather than for her own benefit but in the OP's own words 'she's a fraudulent liar'.
    If she's told assessors that his condition is worse than it really is that may well be benefit fraud.
    And that is worrying.
    Originally posted by Pollycat
    It's also possible that Aaron has an unrealistic idea of his abilities and perhaps doesn't understand the PIP rules. Someone with autism could easily read the descriptors literally and not understand the nuances.

    Either way though, his mum helping his brother in the fraudulent guarantor attempt suggests she shouldn't have so much control over his finances.
    Unless I say otherwise 'you' means the general you not you specifically.

    Reading the alphabet in 2017. 21/100
    ABCDEFGHIJKLMNOPQRSTUVWXYZ
    • maman
    • By maman 10th Sep 17, 1:41 PM
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    maman
    It's also possible that Aaron has an unrealistic idea of his abilities and perhaps doesn't understand the PIP rules. Someone with autism could easily read the descriptors literally and not understand the nuances.
    Originally posted by Ames

    In my first post I said I didn't know about Aaron's circumstances from other threads. If he is autistic (obviously fairly high functioning from his written language and the fact that he holds down a job) then it could explain why he's just handed over his bank details and employment history without an explanation just because he was asked for them. It also might explain why he seems to accept what's happened in a fairly matter of fact way. He does however have a perception beyond the literal in that he can see that his mother and brother could be acting fraudulently. I know very little about the benefit system but it seems that as he was aware of 'alarm bells' with the car purchase and posted on here for advice that he could manage his own affairs especially if he had a RL adviser such as a Social Worker.

    Either way though, his mum helping his brother in the fraudulent guarantor attempt suggests she shouldn't have so much control over his finances.
    Originally posted by Ames

    I agree.
    • Top Girl
    • By Top Girl 10th Sep 17, 1:42 PM
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    Top Girl
    The OP's Mum is his appointee for his PIP.

    Before he can do anything about changing where his benefits are going, he would have to get DWP to change that.
    Originally posted by Pollycat
    That was why I added the second part of that point - if his mum refuses, he needs re-assessing.
    • Pollycat
    • By Pollycat 10th Sep 17, 2:05 PM
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    Pollycat
    That was why I added the second part of that point - if his mum refuses, he needs re-assessing.
    Originally posted by Top Girl
    Having not been through the appointee process then relinquishing it because someone's mental or physical abilities had improved, I don't really know how it works.

    I do know that DWP had a face-to-face meeting with me and my Dad (who was in a care home with dementia) to ascertain my credentials and to confirm that my Dad was indeed incapable of managing his own affairs before making me appointee.
    So I don't really think it would be up to Aaron's Mum to refuse.
    I may be wrong on this but I'd expect DWP to meet with Aaron to assess if he was capable of managing his own affairs.
    And as he was receiving his JSA himself, then that says to me that he probably is capable of managing his own affairs.
    • maman
    • By maman 10th Sep 17, 2:10 PM
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    maman
    Having not been through the appointee process then relinquishing it because someone's mental or physical abilities had improved, I don't really know how it works.

    I do know that DWP had a face-to-face meeting with me and my Dad (who was in a care home with dementia) to ascertain my credentials and to confirm that my Dad was indeed incapable of managing his own affairs before making me appointee.
    So I don't really think it would be up to Aaron's Mum to refuse.
    I may be wrong on this but I'd expect DWP to meet with Aaron to assess if he was capable of managing his own affairs.
    And as he was receiving his JSA himself, then that says to me that he probably is capable of managing his own affairs.
    Originally posted by Pollycat
    That's interesting because, as I said I know little about how the benefit system works.


    What would happen if Aaron didn't have (or didn't want as he doesn't trust her financially) a family member to be his appointee? Would someone neutral be allocated?
    • IAmWales
    • By IAmWales 10th Sep 17, 2:18 PM
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    IAmWales
    That's interesting because, as I said I know little about how the benefit system works.


    What would happen if Aaron didn't have (or didn't want as he doesn't trust her financially) a family member to be his appointee? Would someone neutral be allocated?
    Originally posted by maman
    You can have a corporate appointee, someone from social services or a charity. There can be a charge for this.

    Pollycat, you're correct, if Aaron's mum disagrees with his decision to manage his own affairs the DWP would independently assess his capacity.

    I imagine Aaron is quite worried about the implications of raising this issue, especially given that his mother may still be claiming CA for him, despite not providing him with 35 hours care. Earlier suggestions of getting some outside support are good, Aaron needs help in dealing with any fallout after he takes steps to help himself.
    • borkid
    • By borkid 11th Sep 17, 10:06 AM
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    borkid
    ]He can't do that while his mum is his appointee for benefits.[/B] The DWP aren't even supposed to talk to him about his claim without her knowledge. He needs to change that before he can change the bank account for benefits because as far as the DWP are concerned he's not capable of managing his financial affairs.
    by Ames;73103580[B
    But he could do it for his earnings. He said he works over 16 hours a week and doesn't get JSA.
    • Rags2riches
    • By Rags2riches 11th Sep 17, 11:35 AM
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    Rags2riches
    Hi

    "Is it okay to put you down as a family member?"

    I don't want to ask him why he needs all those details without wanting a second opinion first.
    Originally posted by himynameisaaron
    Don't be afraid of your brother. Ask him why he needs all this information and for goodness sake be careful if you are guaranteeing a car. You may wish to read my post to see where this sort of thing can lead.
    • DevilsAdvocate1
    • By DevilsAdvocate1 11th Sep 17, 2:06 PM
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    DevilsAdvocate1
    But armed with that info I could apply for a credit card in your name, intercept the card/pin & rack up debts for you
    Originally posted by gettingtheresometime
    And as he's your brother he knows your other personal information such as your date of birth, address etc.

    I think you should open a new account and close the old one. And make sure you don't give the details of the new account out.

    While you could delete direct debits you don't recognise, the companies that are setting them up are thinking that they have your approval. They probably think they are dealing with you. So they could / would come after you for the money when their direct debits go unpaid because you've deleted them. This in turn could lead to court judgements and a trashing of your credit rating.
    • himynameisaaron
    • By himynameisaaron 11th Sep 17, 8:52 PM
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    himynameisaaron
    Hi all

    Thank you for all your comments, and apologies regarding the lack of replies.

    One suggestion that stood out to me most is the close my account and switch banks. As much as I appreciate that, I shouldn't have to since only moving to Natonwide last month, and cannot fault them.

    Furthermore, I now feel safe in the knowledge to realise that my brother won't tamper with my financial details. We won't people's mindset even if they did.

    I also have discussed my autism, and one of you has described me as "high functioning" based on the way I write posts, and to be honest, I agree. I think I have grown out of the autistic spectrum. Although as Ames says, sometimes I have an unrealistic idea of how life is like in myself.
    Last edited by himynameisaaron; 11-09-2017 at 9:07 PM.
    • LilElvis
    • By LilElvis 11th Sep 17, 9:57 PM
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    LilElvis
    Hi all

    Thank you for all your comments, and apologies regarding the lack of replies.

    One suggestion that stood out to me most is the close my account and switch banks. As much as I appreciate that, I shouldn't have to since only moving to Natonwide last month, and cannot fault them.

    Furthermore, I now feel safe in the knowledge to realise that my brother won't tamper with my financial details. We won't people's mindset even if they did.

    I also have discussed my autism, and one of you has described me as "high functioning" based on the way I write posts, and to be honest, I agree. I think I have grown out of the autistic spectrum. Although as Ames says, sometimes I have an unrealistic idea of how life is like in myself.
    Originally posted by himynameisaaron
    You don't need to switch banks - just explain to the bank that your account details have been compromised and ask them to open a new one for you. You also need to keep an eye on your credit report to check for anything unusual.

    Believe me, its easy to obtain credit in someone else's name if you have the right information - which your brother now has. I've applied for credit cards for my husband online - easypeasy as I know all the information they require - just like your brother - the difference being that I did so at my husbands behest.
    • ViolaLass
    • By ViolaLass 12th Sep 17, 6:27 AM
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    ViolaLass
    Furthermore, I now feel safe in the knowledge to realise that my brother won't tamper with my financial details. We won't people's mindset even if they did.
    Originally posted by himynameisaaron

    What gives you this certainty?

    Don't know what the second sentence means.
    • himynameisaaron
    • By himynameisaaron 14th Sep 17, 9:59 AM
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    himynameisaaron
    Hi everyone

    Had a little argument with my mum this morning.

    I'm only contracted to do 8, yet have been doing overtime for the past week. I had been claiming Job Seekers Allowance for the duration of the overtime, and the JCP advisors say we can't let you carry on claiming if you're working over 16 hours. Yet, she thinks I'm going to drop her in the !!!!... The clues literally in the name Job SEEKERS Allowance.

    Yes, I do want to drop her in it and let her get a long jail time because that's what she truly deserves, in my opinion.

    I feel like bouncing her head off a wall sometimes, but don't think that's worth a criminal record, and I'm not a violent person type neither, but she just infuriates me and absolutely loves to start arguments by bringing up past grievances with me. Why? I assume because she's bored and has nothing better to do.
    Last edited by himynameisaaron; 14-09-2017 at 10:08 AM.
    • AylesburyDuck
    • By AylesburyDuck 14th Sep 17, 10:30 AM
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    AylesburyDuck
    PS. You dont grow out of your autism, you just learn to cope with it better!
    ,
    Fully paid up member of the ignore button club.
    If it walks like a Duck, quacks like a Duck, it's a Duck.
    • maman
    • By maman 14th Sep 17, 10:40 AM
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    maman
    As I've posted before, I'm not very familiar with the Benefit system but I do know that 16 hours is a crucial cut off. I'd applaud you if you feel you can sustain further hours but if they're only temporary overtime then I think you just declare it and they adjust Benefits accordingly. However people tell me it can be messy as the system doesn't deal with stop/start very efficiently. Hopefully others can advise you more specifically.


    I suppose your mum wants you to keep the overtime quiet and collude with her in defrauding the system. You're absolutely right to refuse to get involved in this although I wouldn't recommend you go as far as physical violence!
    • gettingtheresometime
    • By gettingtheresometime 14th Sep 17, 11:22 AM
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    gettingtheresometime
    Aaron


    You might like to google Jeremy Clarke and his attitude to people having his bank details.


    If I remember correctly, he put on line his bank details as he thought no-one could do anything with them .....until he noticed (or was contacted by his bank I can't remember the exact details) and someone had made a sizable donation to a cancer charity using those details.


    LilElvis is right ...you need to change at least your account number!
    Lloyds OD / Natwest OD / PO CC / Wescott cleared thanks to the 1 debt v 100 day challenge


    Next on the list - the Argos Card!
    • Ames
    • By Ames 14th Sep 17, 12:33 PM
    • 16,269 Posts
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    Ames
    Aaron


    You might like to google Jeremy Clarke and his attitude to people having his bank details.


    If I remember correctly, he put on line his bank details as he thought no-one could do anything with them .....until he noticed (or was contacted by his bank I can't remember the exact details) and someone had made a sizable donation to a cancer charity using those details.


    LilElvis is right ...you need to change at least your account number!
    Originally posted by gettingtheresometime
    I think you mean Jeremy Clarkson, he published his bank details in his newspaper column and someone made a big donation to charity.

    Aaron, what mess does your mum think you're going to land her in? Is it the knock on effect on her housing benefit of you working, or that it shows she's claiming PIP for you fraudulently?
    Unless I say otherwise 'you' means the general you not you specifically.

    Reading the alphabet in 2017. 21/100
    ABCDEFGHIJKLMNOPQRSTUVWXYZ
    • himynameisaaron
    • By himynameisaaron 14th Sep 17, 2:46 PM
    • 168 Posts
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    himynameisaaron
    Aaron, what mess does your mum think you're going to land her in? Is it the knock on effect on her housing benefit of you working, or that it shows she's claiming PIP for you fraudulently?
    Originally posted by Ames
    My mum knows me as the person who shares too much information, not always strictly true. She is also a bit wary of me reporting her for benefit fraud because after she filled out that PIP form "Don't be telling anything to anyone", to which I replied "I won't".
    • gettingtheresometime
    • By gettingtheresometime 14th Sep 17, 6:32 PM
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    gettingtheresometime
    I think you mean Jeremy Clarkson, he published his bank details in his newspaper column and someone made a big donation to charity.

    Aaron, what mess does your mum think you're going to land her in? Is it the knock on effect on her housing benefit of you working, or that it shows she's claiming PIP for you fraudulently?
    Originally posted by Ames
    Well spotted !
    Lloyds OD / Natwest OD / PO CC / Wescott cleared thanks to the 1 debt v 100 day challenge


    Next on the list - the Argos Card!
    • IAmWales
    • By IAmWales 14th Sep 17, 6:44 PM
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    IAmWales
    My mum knows me as the person who shares too much information, not always strictly true. She is also a bit wary of me reporting her for benefit fraud because after she filled out that PIP form "Don't be telling anything to anyone", to which I replied "I won't".
    Originally posted by himynameisaaron
    Please contact one of the agencies that can support you Aaron. Your mum knows that as a disabled person you are vulnerable and she is abusing that. You could call someone when you're at work so you're able to talk openly. Is there a manager at work you would trust to help you?
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