Barclays stopping my mum buying a house

Wellard_Mann

Keep_pedalling wrote: »

To be able to assist your mother fully she really needs to sort out a lasting power of attorney.

Won't help with this house purchase as it would take at least 8 weeks to get one registered, but it is something she should do for the future.

This exactly. I had this arrangement on my late mother’s account. We both banked with Barclays and they set up on the online access such that when I logged on to my account, there was a new drop down menu enabling me to select ‘administer other accounts’ or some similar wording and her account was there.

mgdavid

UKContractor wrote: »

Hi

My mum is an expat pensioner in Spain and right now I'm in the US on holiday. My mum is leaving Spain and buying a house in the UK. My mum has banked with Barclays for over 40 years and I have third party access. Unfortunately Barclays refused to give me internet access so I have to log into her account as her to make transactions for her (she doesn't know how to do it).

...............

Let's face it, the nub of the problem is the bit I've underlined above. Everything else is self-inflicted trouble. If she is of sound mind and body I cannot think of any valid reason why she should need your involvement. Online banking is hardly new, or difficult. The majority of pensioners use it.

Zanderman

mgdavid wrote: »

Let's face it, the nub of the problem is the bit I've underlined above. Everything else is self-inflicted trouble. If she is of sound mind and body I cannot think of any valid reason why she should need your involvement. Online banking is hardly new, or difficult. The majority of pensioners use it.

I don't think that's fair. Being of sound body and mind doesn't mean you can use, or would be comfortable with, online banking. Whatever your age.

And, within the older generation, lots of older people don't know how to use the internet. And of those who do many don't trust it. I regularly come across people who use the internet but never dare pay for anything online, let alone bank.

To these groups of people online banking is completely unfathomable.

You may think it's 'hardly new or difficult' but you cannot (and should not) apply that view to all.

meer53

Barclays aren't stopping your Mum from buying a house, you and your Mum have made this a problem. Your Mum needs to do this when she is back in the UK.

EachPenny

mgdavid wrote: »

Let's face it, the nub of the problem is the bit I've underlined above...

When I first read the OP I felt the nub of the problem might be this bit...

UKContractor wrote: »

...Sadly against my instructions she told them that I helped her

jamesmorgan

What the OP is trying to do is fairly routine, and not just for elderly parents who are abroad. Once Power of Attorney is set up, just find a bank that allows PoA to access online banking. If Barclays don't permit this there are plenty that do. This is an area where different banks have very different rules - you just need to find one that works for your requirements.

What you can't do is try to access an account with unauthorised means - it will just lead to the account getting blocked.

mt99

you mother could write a cheque if yhere is yime before completoon...

LHW99

I had a Third party Mandate for my mother's account (First Direct, not barclays though).
Banks don't give a third party internet access, as said, however, under the third party mandate you should be able to sign cheques on her behalf to make payments.
In my case, I could also go through telephone banking as I had an operational current account with FD. I phoned in using my own security details, and then stated that I had a third party mandate on my mother's account, gave her name, and the operator could check the records (they seemed to be linked somehow) and that let me make telephone transactions such as setting up DD, SO and paying bills where the payee had already been set up on the account.
I confess I never needed to use it for a transaction as large as buying a house though.

GarthThomas

I'm surprised that the account hasn't been closed with a CIFAS marker applied and an investigation into money laundering started.

Barclays allowing the account to operate when the holder has allowed someone else to acess it is not best practice.

mgdavid

Zanderman wrote: »

I don't think that's fair. Being of sound body and mind doesn't mean you can use, or would be comfortable with, online banking. Whatever your age.
Of course it means they CAN use the internet, being 'comfortable' with it is something else.

And, within the older generation, lots of older people don't know how to use the internet.
Numerically lots, perhaps - but an ever-decreasing minority in the 65 to 74 age group
https://www.ons.gov.uk/businessindustryandtrade/itandinternetindustry/bulletins/internetusers/2016#recent-internet-use-is-on-the-increase-for-those-aged-65-and-over

And of those who do many don't trust it. I regularly come across people who use the internet but never dare pay for anything online, let alone bank.
This is just a product of fear and ignorance; it behoves their peers - and all the younger generations - to help educate them.

To these groups of people online banking is completely unfathomable.
I'm unclear exactly who 'these groups' are, but I dispute your assertion as it has no basis.

You may think it's 'hardly new or difficult' but you cannot (and should not) apply that view to all.
It's not a view it's a statement of fact.

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