Power of Attorney - bank refuse to recognise

thorsoak

Judyjudy : your mother's state of health is going to get worse - by the time that prosecution of your brother actually happens she probably won't even realise what is going on:( I know that is a brutal statement to make, but the threat may possibly be enough to shake your brother into putting the money back in your mother's account ...especially if you threaten him with the press and it wouldn't look good upon his wife ........

Print out the information from Alzheimers/Age Concern/Public Guardian's Office and show it to him.....

What he has done is fraudulently depriving a vulnerable person of her assets.

Judy_Judy

thorsoak wrote: »

Judyjudy : your mother's state of health is going to get worse - by the time that prosecution of your brother actually happens she probably won't even realise what is going on:( I know that is a brutal statement to make, but the threat may possibly be enough to shake your brother into putting the money back in your mother's account ...especially if you threaten him with the press and it wouldn't look good upon his wife ........

Print out the information from Alzheimers/Age Concern/Public Guardian's Office and show it to him.....

What he has done is fraudulently depriving a vulnerable person of her assets.

My main aim is to make him repay and to stop taking. Above all I want him to stop taking. He is supposed to be earning over £50k a year now but still nothing has gone back. He'll still be back for her little bit of life savings, it disgusts me. She has so little, her needs are so great. There are really no excuses.

Gleek

Haven't read the whole thread yet (in the process of), but if it's TSB (ETA: Just seen it is. I'm sorry. They're awful ) I understand completely. We have the same thing, got so fed up fighting it that we went to Nationwide and set up an account there with everything - not a problem. We can online bank/set up DD's/Pay the care bill weekly for my grandfather.

TSB wouldn't do squat for us, despite us going in with copies, sending certified copies in etc. Nationwide - all sorted same day. Amazing Is it possible for you to take the paperwork to another bank and set up another account? It would also remove your brothers access to the money/card if it's just not there. If you're listed on the relevant papers - he has no say. I would also take action against the bank too.

I would def talk to Age Concern too to ask who to talk to about the financial abuse your brother has done to your mother.

Hope everything improves for you xxxx

Mojisola

Judy_Judy wrote: »

She has so little, her needs are so great.

If she needs care at home or residential care and it's seen that she has given away thousands, she would be assessed as still having that money (deprivation of capital) and may be expected to contribute to her own care - depending on the actual figures.

Judy_Judy

Mojisola wrote: »

If she needs care at home or residential care and it's seen that she has given away thousands, she would be assessed as still having that money (deprivation of capital) and may be expected to contribute to her own care - depending on the actual figures.

Currently I am her carer, I have been her carer for 20 years, she only accepts me, but the time is coming closer when outside help will be needed, she does not understand this. My family think I'll be able to carry on caring without their help or support. When outside care is needed as you say, outsiders will see what has been happening, thankfully my hands are clean.

Mojisola

Judy_Judy wrote: »

Currently I am her carer, I have been her carer for 20 years, she only accepts me, but the time is coming closer when outside help will be needed, she does not understand this. My family think I'll be able to carry on caring without their help or support. When outside care is needed as you say, outsiders will see what has been happening, thankfully my hands are clean.

If outside help is needed and the person needing help has given away money, that help may not be provided.

penguingirl

Does your mum have a social worker or care co-ordinator? Often people aren't given them immediately post-diagnosis, but it might be worth asking your mum's GP if there is more support available and he could refer your mum through to the later life community mental health team who are generally fantastic at understanding all of the systems and issues and can provide some advice. They can also assess your needs as a carer and provide a bit of extra support (even if it's just information or signposting)

youngo

Hi
Apologies for the lateness in responding to this.
I've been POA for the last 9 years & have experienced similar issues with our financial institutions. Halifax cancelled cards & closed accounts without notice & charged thousands for the debts my father ran up, literally years worth of incompetence led to letters of complaint detailing to the board followed by the financial ombudsman which found in our favour. No bank has the right to cancel a POA, it's a legally binding document that holds up in a court of law, unfortunately that doesn't help when you are dealing with incompetent banking staff that are protected by incompetent management, both having an epic lack of knowledge. Invoking the escalation procedure usual wakes people up especially if you name names & detail that their failings in following their own procedures lead to money being withdrawn by a customer clearly under duress. Don't be palmed off if they don't appear take you seriously, I've found the 3rd letter somehow mysteriously demonstrates tenacity which sparks action.

In terms of alternative options, after surveying all the high street banks 6 years ago & eliciting the services they offer, i chose the natwest as they offer first reserve accounts that not only protects the Deputy by only having the signatories able to access the accounts whilst ensuring the party that needs protecting remains independent with a debit card. The use of mobile apps & faster payments ensures that you have immediate access of the accounts & I'm sure the 7 day switch service will ensure it's all done swiftly.

Hope this helps, but if there's anything else i can help with, don't hesitate in making contact.
Good Luck