Grandparent with dementia - need to downgrade their current account

jbuchanangb

Why wasn't the theft/ fraud reported, bank fees should certainly have been refunded. 

We decided to cut the losses and go for the easy life. It was easiest to bring her account back into credit, confiscate the cheque book, and move on. Fortunately was only a couple of hundred pounds. It would have been a big hassle to engage with the authorities, bearing in mind that at the time my wife did not have authority over her sister's affairs. For a start the bank wouldn't have talked to us about it. I suppose we could have gone back around it after the "receivership" had been completed, but the world moves on. I remember when she first moved out of her family home into a care home, the bank's idea of security was to continue mailing statements and correspondence to a vacant property, even when we told them that the customer no longer lived there, and that we were accessing the property and opening her mail.
I strongly advocate the the OP in this thread applies for a "deputyship", and that will allow them proper control of grandparent's affairs.

elsien

A deputyship isn't worth it if the income comes from benefits and there are no real assets to manage.
In those circumstances an appointeeship would work just as well and the money can then be paid into an account managed by the OP instead of into grandmother's account.
I second the idea of a capacity assessment around finances to try to get the bank account downgraded, and also proof of being the appointee if this is already in place. Can't be the first time the bank has had this type of situation.