Who can review my Grandads Mental problems resulting in debt?

kayke_dee

Hi Guys, not sure if im in the right place or even asking the right questions, but here it goes. (sorrys its long, just need advice)
I read the new booklet released by MSE for mental health and debt which was a big help so thanks. I just have a couple of questions about who decides and how they decide whether someone is mentaly unstable to control their own debts.

My Grandad is 77, and lives alone in a council bungalow. He has suffered with depression for what i can recall around 15 years. He is getting himself into debt that he cannot manage. I dont know the full details of this, as my mother is trying to manage this for him. But he is over his £1500 overdraft every month after paying all bills and living. He gave his bank card to my mum and cannot withdrawl from the local bank without her (i think), however he will travel further afield to other branches and somehow is managing to convince them to give him the money.

Last month he purchased a new car,taking on a loan of £4000. We wrote a letter to the garage explaining that he would be unable to pay the monthly installments as he does not have the money in the first place, and that his mental state plays a big part in his lack of understanding money and control, and that a Dr note would follow to confirm this.

My Grandad is a great actor and when he goes to buy a car, withdraw money or visit the Dr he comes across as beng fine, and raises no concern to the people involved. However when at home is a different story. Blaming the system, arguing with family members pacing the floor,losing sleep. It got so bad that last week his female neighbour/accuatence (for whom i have a complete other nasty word to describe!!) who my Grandad would often take on day trips to garden centres,pay for her cigerettes and even offer to pay for her holidays. Came looking for the £5 he owed her, to which my grandad gave her his toaster because he did not have the £5, and she accepted!!!! :mad:

However our main concern lays with the Dr my Grandad visits regular for medication which as been altered more than once due to lack of sleep, and hyperactivity. But the medication does not help with his spending, We want the Dr to confirm is mental state to enable us to control my Grandad's finances on a better level.At the moment the Dr thinks he is fine, but just keeps adjusting his medication.

Will we ever get anywhere with his GP? Does he have to refer us to a specialist, or is there anyone else we can contact to help combat this?

Any help is much appreciated
Thank you (and sorry for the essay)

mrsb83_2

A doctor can't write a letter giving you the power to control your Grandad's finances. You really need to see a solicitor for that.

Have you contacted adult services at your local authority? They may be able to offer advice and support.

amyloofoo

It sounds as though either you or your mother need to seek power of attourney, but you're going to need some advice (either from a solicitor or from CAB) and also the co-operation of your father, if he has insight.