Bank sympathetic to elderly ?

syco1

Sorry, I had forgot what an abusive place this is.

ColdIron

syco1 wrote: »

two staff and a manager have more or less said that they couldn't care less that my mother has had no money to live on for three weeks

While I am sympathetic, I am quite sure this is not the case, remember you are only presenting one side of the argument. May I suggest you are more objective, you will get better responses

My Father was in a similar position, he wasn't confident enough to use technology for his financial affairs but was quite able to use telephone banking, maybe this could work for your Mother

You should also bear in mind that while using her bank card, and presumably her PIN, you won't have a leg to stand on should any problems arise. Perhaps you could withdraw money from your own account for your Mum and get her to transfer money to you with telephone banking

Just a couple of thoughts

Caladan

If she is truly house-bound and can NEVER visit a branch as you suggest then you need to get a Power of Attorney put in place. At the very least a third party mandate allowing you access to her account.

I'm assuming the fact they wouldn't discuss the account with you is what makes them 'unsympathetic,' if so, no, what they're doing is making sure they don't break the law by revealing information to an individual that isn't party to the account or otherwise authorised to access it.

First step - Get a signed letter from her giving you authority to discuss the account with the branch, if the branch is happy with it (and they may want to call your mother to confirm) then I don't see why they can't discuss the account with you further.

Second step - Set up a formal third party, presuming Santander allow them.

Third step - Consider a Power of Attorney if your mother is willing to go down that route.

Alternatively, convince someone from the bank to go to your Mothers house for identification and address verification purposes, it's unusual and they have every right to refuse, but I've done it a few times when the customer truly couldn't leave for various reasons.

Kind regards,
Cal

dzug1

Not a direct reply - but you need Power of Attorney rather than using your mother's account yourself or trying to get a joint account.

And that unfortunately opens another can of worms with banks

le_loup

syco1 wrote: »

Sorry, I had forgot what an abusive place this is.

Gosh!
How do YOU define abuse?

Caladan

Yeesh, if that's how he responds to people who can and are helping, no wonder he's angry at the ones who aren't allowed to...

I coulda spent the time used writing that post on something productive, like looking at pictures of cats or braiding my hair.

ColdIron

Caladan wrote: »

I coulda spent the time used writing that post on something productive, like looking at pictures of cats or braiding my hair.

Time spent looking at pictures of cats is always time well spent

CLAPTON

syco1 wrote: »

Sorry, I had forgot what an abusive place this is.

I don't know what you originally posted as you have deleted it



however it would seem that whatever you sort to achieve at the bank to help your mother was unsuccessful


and it would seem that whatever you sort to achieve on this board has been unsuccessful


you may wish to reflect why you have failed in both endeavours and whether you are really likely to help your mother with this approach.

Maybe another family member would have greater success?

le_loup

CLAPTON wrote: »

you may wish to reflect why you have failed in both endeavours and whether you are really likely to help your mother with this approach.

I have just noticed the OP's moniker. No wonder he/she is having so much trouble interacting with the world.