Mum forced to open bank account to receive pension

elsien

Mistermeaner wrote: »

Semantics

I'm sure the meaning is clear

And for completeness you can 'get' poa through certain routes without a person's consent

And for more completeness, that's a deputyship not a power of attorney. Anyway, we digress.

OP, your mother has a choice - use a bank that's further away, do a third party mandate so you can get money for her, or learn to use a card if she wants to maintain her independence. There don't seem to be any other options.

75 really isn't too old to learn new ways of banking. 80 year old parent and 82 year old auntie just headed off to Australia for 3 weeks complete with newly acquired clarity card to avoid the fees.

RD42

Marcon wrote: »

Possibly not to someone who lives in the suburbs with plenty of public/personal transport available and various banks within easy reach. Put yourself in the position of someone living miles from their nearest bank branch, whose local post office has been closed, and who is elderly and without transport....now do you get the picture?

OK, I am putting my self in that position, how does she get her money without a bank account?

Rainbowgirl84

wyrdskein wrote: »

Hi.
Thanks for your replies.
We have made it as easy as possible for her and basically done everything so she didn't have to. The scandal is that she wasn't helped in any way by either the DWP, or the Post Office, and when we asked them about it they just looked at us blankly like they didn't have a clue what we were talking about. It's a big deal for her.
Now they are saying banking services might be withdrawn from the Post Office so she will be forced to go to the bank to withdraw money, which is much further than the post and will probably close anyway.
She will not use a cash machine, but insists on going to the counter to withdraw. Yes we can do it for her but she is proudly independent and doesn't want us to.
She is 75.

What help do you want the DWP/Post Office to give your mum that you can't?

Bogof_Babe

Rainbowgirl84 wrote: »

What help do you want the DWP/Post Office to give your mum that you can't?

I think maybe the point is that not everyone in a similar position would have a daughter or son to call upon.

Marcon

unforeseen wrote: »

In which case how would she have got her pension with the local PO closed and no transport. The money has to be put somewhere, they don't have cash delivery.

You're taking this as gospel for the situation of OP's mum. The observation was a general one, because you seemed so blinkered.

To answer your question: a prepaid card would be a perfectly feasible solution for someone if they were in that situation.

Middlestitch

RD42 wrote: »

OK, I am putting my self in that position, how does she get her money without a bank account?

Ever heard of prepaid cards? They accept benefit payments such as pensions.

System

A Post Office card account operates like any other Chip & Pin bank card at Post Office Counters and ATMs only.

We operated a TSB Classic Plus for my grandmother when she was alive and she was able to withdraw cash from the bank, Post Office and obtain cashback at the supermarket.

suki1964

Its strange isn't it how some older people embrace technology and other don't

My mum is 82 and I doubt if she could tell you the last time she set foot in a bank

She does everything online now. All her pensions get paid into one account, she is completely at ease with transferring money about, paying bills, shopping online etc etc. The DWP didn't show her, I did. Plus she buys all the guides to using her iPhone and PC and keeps them for reference. We are now working on getting her to use her phone instead of her cards so she's not having to carry those around with her as she uses a mobility scooter and has her bag in the basket on the front. At least if her phone gets lost or stolen, no one can use it without her finger print

bertiewhite

wyrdskein wrote: »

She will not use a cash machine, but insists on going to the counter to withdraw. Yes we can do it for her but she is proudly independent and doesn't want us to.
She is 75.

I'm probably going to get shot down for this, but it sounds to be like the problem lies with your Mum. My parents are older than your Mum and have been using ATM's since they were brought in.

To me, choosing not to use one is akin to walking miles to find a telephone box instead of using those new-fangled mobile telephone thingies or even choosing to sail to New York because she doesn't trust aircraft. She's just making life hard for herself.

Carrot007

suki1964 wrote: »

IAt least if her phone gets lost or stolen, no one can use it without her finger print

Which if you are fairly determined and careful can probably be lifted off the phone.


All this fingerprint / face regoc nonsense is way less secure than the old methods. It's just for convienience.


Use it fine, just remember you are probably reducing security by a third.