Brother problems

madvixen

Aaron,

It may have been that with your brother being in the Army then he had to have a guarantor. I had a similar situation with Vauxhall (I'm a military wife) whereby my hubby had to be my guarantor as we move around so much. I was extremely angry at this but that's for another thread.

However, your brother has no right to put you down as a guarantor without your permission and he should know better than that. Please keep an eye on your account and let your bank know if you see anything unusual

barbiedoll

himynameisaaron wrote: »

Sometimes things are left best said than unsaid, therefore your sentiments on me being incredibly naive on giving my bank and work details, I do have a habit of doing things before thinking of the implications that would be involved and for that, I'm truly an idiot and will make myself more self-aware in the future.

I don't think you're an "idiot", at least, no more so than many of us on here. This is a money saving site and lots of members are only here because of some silly decisions in the past (myself included!)

I do think that you need to keep a very close eye on your family though, who seem to have no qualms about taking advantage of your good (and slightly impulsive) nature. Unfortunately, the world is full of chancers and money grabbers, just because they're family, doesn't mean they won't be happy to relieve you of your cash.

It would certainly be a good idea to open another bank account, where you can get your wages and any benefits paid into it, and where the only person who controls it is you. And remember, no-one needs your bank details unless it it to enable YOU to purchase something, or for someone to pay money to you. Anyone buying a car, or anything else, certainly won't need your bank details, even if they say they are buying it for you.

You sound like an intelligent lad, you had the good sense to come on here and ask, because you thought that something wasn't quite right.
You can come on here anytime to ask advice, if anyone wants your details or money that bad, they can wait until you are happy to go ahead.

A lot of us have learned that lesson the hard way!

Ames

barbiedoll wrote: »

I don't think you're an "idiot", at least, no more so than many of us on here. This is a money saving site and lots of members are only here because of some silly decisions in the past (myself included!)

I do think that you need to keep a very close eye on your family though, who seem to have no qualms about taking advantage of your good (and slightly impulsive) nature. Unfortunately, the world is full of chancers and money grabbers, just because they're family, doesn't mean they won't be happy to relieve you of your cash.

It would certainly be a good idea to open another bank account, where you can get your wages and any benefits paid into it, and where the only person who controls it is you. And remember, no-one needs your bank details unless it it to enable YOU to purchase something, or for someone to pay money to you. Anyone buying a car, or anything else, certainly won't need your bank details, even if they say they are buying it for you.

You sound like an intelligent lad, you had the good sense to come on here and ask, because you thought that something wasn't quite right.
You can come on here anytime to ask advice, if anyone wants your details or money that bad, they can wait until you are happy to go ahead.

A lot of us have learned that lesson the hard way!

He can't do that while his mum is his appointee for benefits. The DWP aren't even supposed to talk to him about his claim without her knowledge. He needs to change that before he can change the bank account for benefits because as far as the DWP are concerned he's not capable of managing his financial affairs.

gettingtheresometime

ViolaLass wrote: »

Surely, surely a credit check can't be run without written consent (if the person concerned is not present/on the phone)?

In which case, either the dealer has been naughty and need to be reported or your brother forged your signature.

I would ask the dealership for the paperwork relating to the attempt to make you the guarantor.

This situation has not been resolved.

Especially if the brother has pretended to be the OP.

Yes I know I've a cynical mind.............

Pollycat

Ames wrote: »

He can't do that while his mum is his appointee for benefits. The DWP aren't even supposed to talk to him about his claim without her knowledge. He needs to change that before he can change the bank account for benefits because as far as the DWP are concerned he's not capable of managing his financial affairs.

Well, the upside of Aaron's Mum being his appointee, if

himynameisaaron wrote: »

She's a fraudulent liar.

by exaggerating his condition in this way:

himynameisaaron wrote: »

Upon invitation to the assessment many weeks later she found the cheek to self-diagnose me with anxieties which I don't even suffer from. You either get assessed and diagnosed by your GP, otherwise you don't have it. Then began kicking me gently with her foot when I said the wrong thing than what she wanted me to say just she can pull the wool over the assessors eyes.

She would have said things like:
"Aaron needs constant supervision when pouring a cup of coffee in case he burned his hand" or "He struggles to understand how to read cooking instructions". Fair enough I have autism but she takes things too far sometimes.

then it will she who will be held accountable for any overpayment as a result of false declarations.

If Aaron decides to stop his Mum being his appointee and gets his benefits paid to himself, it would be a good idea to be sure that he is not receiving more in benefits than he should be because of what a 'fraudulent liar' has told DWP.

elsien

If Aaron's mum was just after his money, would she not already be charging him keep instead of him living there free though? There are two sides to every story and as always on forums we are just hearing the one.

Pollycat

elsien wrote: »

If Aaron's mum was just after his money, would she not already be charging him keep instead of him living there free though? There are two sides to every story and as always on forums we are just hearing the one.

She may have exaggerated his condition to get more money for Aaron's benefit rather than for her own benefit but in the OP's own words 'she's a fraudulent liar'.
If she's told assessors that his condition is worse than it really is that may well be benefit fraud.
And that is worrying.

Top_Girl

Things I would do:

Get a new, online bank account. Don't disclose your sign in or bank details to your mum or brother.

Get your own payments paid into there, all of them, tell your mum you're doing it to manage your money better. Ask for an independent DWP assessment if she refuses.

Agree an amount of board/lodge with your mum and pay her that.

Speak to your social worker, support worker, someone who is on your side about all this.

Pollycat

Top_Girl wrote: »

Things I would do:

Get a new, online bank account. Don't disclose your sign in or bank details to your mum or brother.

Get your own payments paid into there, all of them, tell your mum you're doing it to manage your money better. Ask for an independent DWP assessment if she refuses.

Agree an amount of board/lodge with your mum and pay her that.

Speak to your social worker, support worker, someone who is on your side about all this.

The OP's Mum is his appointee for his PIP.

Before he can do anything about changing where his benefits are going, he would have to get DWP to change that.

Ames

Pollycat wrote: »

She may have exaggerated his condition to get more money for Aaron's benefit rather than for her own benefit but in the OP's own words 'she's a fraudulent liar'.
If she's told assessors that his condition is worse than it really is that may well be benefit fraud.
And that is worrying.

It's also possible that Aaron has an unrealistic idea of his abilities and perhaps doesn't understand the PIP rules. Someone with autism could easily read the descriptors literally and not understand the nuances.

Either way though, his mum helping his brother in the fraudulent guarantor attempt suggests she shouldn't have so much control over his finances.