Bank denies access to account

snookey

Hi hoping for some good advice. My uncle who is in a nursing home has been having problems with his bank. They refused to allow him access to his account due to his signuture not being the same as when he opened his account. Now Iv been in with him before and had the same problem but he has had photo id and they have let him withdraw money. He is quiet frail both mentally and physically.

They also wanted him to have a pin number but there are two issues with this, One he has had money stolen from him in the past by a member of staff in another home when he had access to a cash machine. I wanted his money to be safe by only going to the counter and signing for it. The other issue is that the bank wont send any statements to the new home as they dont have a door number and it can not be found on their systems. Even a letter from the home stating the address and the fact that they have never had a door number has not resolved the issue. So how do we get a pin number if they dont post to his address!

They have now said he needs a soliciter to sort things out. Problem at the moment is that he has just come out of hospital due to a hip replacement and wont be going anywhere for sometime.
How can I resolve this without involving legal people which will cost him money. I really dont think its fair for me to take over his account and affairs eaither as he still has his faculties even though he is frail.

richard9991

snookey wrote: »

Hi hoping for some good advice. My uncle who is in a nursing home has been having problems with his bank. They refused to allow him access to his account due to his signuture not being the same as when he opened his account. Now Iv been in with him before and had the same problem but he has had photo id and they have let him withdraw money. He is quiet frail both mentally and physically.

They also wanted him to have a pin number but there are two issues with this, One he has had money stolen from him in the past by a member of staff in another home when he had access to a cash machine. I wanted his money to be safe by only going to the counter and signing for it. The other issue is that the bank wont send any statements to the new home as they dont have a door number and it can not be found on their systems. Even a letter from the home stating the address and the fact that they have never had a door number has not resolved the issue. So how do we get a pin number if they dont post to his address!

They have now said he needs a soliciter to sort things out. Problem at the moment is that he has just come out of hospital due to a hip replacement and wont be going anywhere for sometime.
How can I resolve this without involving legal people which will cost him money. I really dont think its fair for me to take over his account and affairs eaither as he still has his faculties even though he is frail.

when i was on holiday once i lost my card and card services sent new card to a branch and pin a couple of days later had to show id to get both but no probs at all the bank was HSBC

richard9991

sallysmith1 wrote: »

I have nothing but praise for Mackenzie Hall in Kilmarnock.

After some issues arose on one of my cra reports i simply contacted them and within 10 minutes the compliance director phoned me to discuss the matter in question, agreed that the actions previously taken by Mackenzie Hall shouldnt have taken place and stated , that the offending items would be removed accrodingly.

This will be confirmed in writing and has alos been confirmed by email copy of the letter.

So all those who abuse the lovely staff at Mackenzie Hall and try and wriggle and worm their way out of what they owe should perhaps be a tad more politer in their approach, it works wonders. Ranting,raving and absuing the staff get you nowhere:T,trying to get out of debts you owe will get you the treatment thats deserved.

Genuine cases like mine are preferred as they are a lot easier to deal with compared to the ranters and ravers who get nowhere;)

Regards

Sally Smith

A happy Mackenzie Hall client :-);)

what has this got to do with ops thread

tabby_cats_mum

I'm afraid to say you really need to get Power of Attorney, which costs money I know but is sensible. Assuming he is in receipt of a state pension with his agreement you can become a Pension Appointee and receive his pension into an account in your name. This costs nothing but you both have to meet with someone from the pensions agency. How are his nursing home fees being paid btw?
I have experience of this as I deal with the affairs of a relative in a very similar situation. I was "pushed" in the direction of POA and PA by the council to ensure the nursing home fees were being paid but everyone was very helpfult TBH.

coolesticeking

tabby_cats_mum wrote: »

I'm afraid to say you really need to get Power of Attorney, which costs money I know but is sensible. Assuming he is in receipt of a state pension with his agreement you can become a Pension Appointee and receive his pension into an account in your name. This costs nothing but you both have to meet with someone from the pensions agency. How are his nursing home fees being paid btw?
I have experience of this as I deal with the affairs of a relative in a very similar situation. I was "pushed" in the direction of POA and PA by the council to ensure the nursing home fees were being paid but everyone was very helpfult TBH.

This does sound like the only way ahead..

I hope you get it sorted out.