Access to Father's bank account

PRAISETHESUN

Keep_pedalling said:

However you sort this he should still make a financial LPA as a longer term solution and it may be crucial if he has long term medieval issues in the future. Having to apply for deputyship is really something that should be avoided if at all possible.

I echo your sentiments, although I'm curious what sort of "medieval" issues you think might be an issue in the future!

Section62

[Deleted User] said:

I’m sorry but I can’t really see the issue here. Surely you and your father trust each other. While you set up some of the other arrangements suggested here why not do as he suggests. Just keep the receipts from the ATM. I’m sure that’s what many others do. 

The problem is that it is against most bank's terms and conditions to give someone else your debit card and PIN.

A secondary problem the OP may or may not have is a sibling or other family member who may kick up a fuss if they find out the OP has the debit card and PIN.

Keeping the receipts from the ATM doesn't prove very much, it simply confirms what will be shown on the account statement that a certain sum of money was withdrawn from a machine at a certain time and date.  It says nothing about what the money was used for, nor whether that withdrawal was specifically authorised by the account holder.

It is completely understandable that the OP is reluctant to go down that route.

Keep_pedalling

PRAISETHESUN said:

Keep_pedalling said:

However you sort this he should still make a financial LPA as a longer term solution and it may be crucial if he has long term medieval issues in the future. Having to apply for deputyship is really something that should be avoided if at all possible.

I echo your sentiments, although I'm curious what sort of "medieval" issues you think might be an issue in the future!

😄 don't you just love auto correct.

Downthedrain

I'll give a  cheque book a try, though his signature is now completely illegible so may cause problems. He isn't registered for telephone banking and this could be difficult to sort out given his current predicament.

GaleSF63

Get a cheque book if possible anyway; if you come up with a better solution in the meantime it doesn't do any harm to have the cheque book handy and might prove useful at some later time.

Emmia

Downthedrain said:

I'll give a  cheque book a try, though his signature is now completely illegible so may cause problems. He isn't registered for telephone banking and this could be difficult to sort out given his current predicament.

My grandmother had cheques rejected for payment due to the shakiness of her signature vs. the one the bank had on record. So this is not a guaranteed route. 

born_again

Downthedrain said:

I'll give a  cheque book a try, though his signature is now completely illegible so may cause problems. He isn't registered for telephone banking and this could be difficult to sort out given his current predicament.

How you going to request a cheque book if no Internet or telephone banking set up & he is in hospital. Bank will not just send a book out unless he requests it.

As he trusts you & I guess you trust yourself. While against T/C, just use his card. Or your own & once he is out of hospital he can pay you back 👍

Section62

born_again said:

Downthedrain said:

I'll give a  cheque book a try, though his signature is now completely illegible so may cause problems. He isn't registered for telephone banking and this could be difficult to sort out given his current predicament.

How you going to request a cheque book if no Internet or telephone banking set up & he is in hospital. Bank will not just send a book out unless he requests it.

The OP's dad should be able to request a chequebook simply by calling customer services, it is unlikely he'll need to be registered for online or telephone banking to make the request.  Failing that, a letter should do.

(this was discussed earlier in the thread)

GaleSF63

This is a few years ago now and everything gets more automated by the day, but when a friend's father had a stroke she took him to the bank and a lady came out to the car and he signed an updated signature, which was only about 2 initials because as well as being weak he had to use the wrong hand. It worked out well.
Human interaction!

55ryan

[Deleted User] said:

I’m sorry but I can’t really see the issue here. 

Aside from the aforementioned breaking t and c's. Someone I know was using her mums debit card with her permission. Similar reasons, ill health/hospital.  The mother then 'forgot' they had asked their daughter to use the debit card for stocking up the fridge etc. All hell broke loose with the family etc accusing the daughter of theft. Talk of Police getting involved which on this occasion didn't happen.

It's a shame that getting POA is so slow and there aren't proper systems in place so that if someone is in hospital that things can't be sorted for them. Certainly young and old will not always have banking apps, though at some point that will be the only option I have no doubt.