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Someone Accessing Mum's Bank Account
Judy_Judy
Posts: 44 Forumite
Hi I hope you can help me as I am truly at a loss what to do. My mum is slowly losing control of her ability to look after her finances and is making some poor decisions but not sure what I can do about it without upsetting everyone.
I have had power of attorney for twenty years, sibling does not have power of attorney. They have asked for PoA after mum has become confused but have not been able to get it so far. I have always honestly and diligently looked after mum's financial affairs. Over the years anyone who tried to fleece her had to get passed me first. No one could ever say I have abused it or have not used it purely to protect her. In all these years when mum was more lucid than she is now no one ever questioned my integrity in looking after mums affairs.
Mum is now confused at times, a lot of the time she is still mum but she no longer knows a power of attorney from an executor though she can manage day to day stuff ok.
A sibling has totally manipulated mum into believing I can no longer be trusted but they can. They have set up telephone banking, something that mum would be totally unable to do though she would sign the paperwork if told to. Sibling has intercepted the paperwork and set up internet and phone banking.
This sibling is now pretending to be mum to access her account and withdraw funds, so far as I know the funds have gone to mum so no financial benefit to the sibling just a control thing. I know this is fraud, almost certain anyway but mum doesn't have the capacity to know that what sibling is doing in pretending to be her to access accounts is fraud.
I have power of attorney, I am pretty sure this is fraud, but mum doesn't trust me now, she trusts the sibling who is fradulently accessing the accounts. This sibling has fed her lies to bring this distrust about. I want to emphasise I have done nothing wrong ever with Mum's finances.
Do I use the Power of Attorney to get the pins changed and tell the sibling that if she continues to access the account pretending to be mum then I'll report her for fraud or just let things lie.
Mum thinks we are close but this has put the most enormous wedge between us BUT I don't want mum to know that because it will upset her and she is so very ill.
You hear about dysfunctional families going for the bank accounts when times get tough never thought it would be mine though.
This is not just a legal thing though I need advice, I need to protect Mum as I always have done. Sibling who is manipulating mum has done absolutely nothing to help until now all of her adult life.
Sorry this has been such a tome but would appreciate any advice or input. Thanks.
I have had power of attorney for twenty years, sibling does not have power of attorney. They have asked for PoA after mum has become confused but have not been able to get it so far. I have always honestly and diligently looked after mum's financial affairs. Over the years anyone who tried to fleece her had to get passed me first. No one could ever say I have abused it or have not used it purely to protect her. In all these years when mum was more lucid than she is now no one ever questioned my integrity in looking after mums affairs.
Mum is now confused at times, a lot of the time she is still mum but she no longer knows a power of attorney from an executor though she can manage day to day stuff ok.
A sibling has totally manipulated mum into believing I can no longer be trusted but they can. They have set up telephone banking, something that mum would be totally unable to do though she would sign the paperwork if told to. Sibling has intercepted the paperwork and set up internet and phone banking.
This sibling is now pretending to be mum to access her account and withdraw funds, so far as I know the funds have gone to mum so no financial benefit to the sibling just a control thing. I know this is fraud, almost certain anyway but mum doesn't have the capacity to know that what sibling is doing in pretending to be her to access accounts is fraud.
I have power of attorney, I am pretty sure this is fraud, but mum doesn't trust me now, she trusts the sibling who is fradulently accessing the accounts. This sibling has fed her lies to bring this distrust about. I want to emphasise I have done nothing wrong ever with Mum's finances.
Do I use the Power of Attorney to get the pins changed and tell the sibling that if she continues to access the account pretending to be mum then I'll report her for fraud or just let things lie.
Mum thinks we are close but this has put the most enormous wedge between us BUT I don't want mum to know that because it will upset her and she is so very ill.
You hear about dysfunctional families going for the bank accounts when times get tough never thought it would be mine though.
This is not just a legal thing though I need advice, I need to protect Mum as I always have done. Sibling who is manipulating mum has done absolutely nothing to help until now all of her adult life.
Sorry this has been such a tome but would appreciate any advice or input. Thanks.
0
Comments
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Sorry forgot the sibling also lives at the other side of the country so when mum needs cash now I can't get it, when she needs shopping I buy it but unless she pays be back immediately she forgets so I am now hurting financially. I can't work due to being full time carer, no one else in the family will help me with her. She has started to be accessed for dimentia as is showing all of the signs but not diagnosed yet.0
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http://www.elderabuse.org.uk/abuse_financial.html
You might well need the advice of a solicitor.0 -
Can you not cancel the card and intercept the card in the post before the sibling gets it or get it sent to the branch for you to pick up.0
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You might well need the advice of a solicitor.
I did actually see a solicitor he told me that there is not enough money to make doing anything legally worth doing. We are not talking a lot of money here just trying to protect is so she has enough to pay the bills, feed herself and a little for extras.
This isn't a case of fighting over the millions, unfortunately. :mad:
I am going to register the Power of Attorney now though. Thank you so much for the link.0 -
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