We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

Access to Father's bank account

124»

Comments

  • born_again
    born_again Posts: 18,319 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    Section62 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)
    Certainly would not be where we are. You have no proof it is the customer & not a fraudster. Same with a letter. 
    Life in the slow lane
  • Section62
    Section62 Posts: 8,653 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Section62 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)
    Certainly would not be where we are. You have no proof it is the customer & not a fraudster. Same with a letter. 
    Co-op's policy is to allow chequebook requests either through online banking, or a request to customer services on the phone.  I expect they woiuld also accept a letter as a 'reasonable adjustment' for anyone not able to use the phone.

    They will only send the chequebook to the registered postal address, so the risk of fraud is no greater than it is for posting out debit cards, PINs, online and/or phone banking credentials, and any other communication the bank might need to send to the customer.  If someone was planning a cunning fraud involving interception of the chequebook then they would be better off ordering a replacement debit card and PIN reminder.

    Customer service would be able to verify they are talking to the customer (not a fraudster) to their satisfaction, using exactly the same procedure they do anytime a customer phones them.
  • PixelPound
    PixelPound Posts: 3,046 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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 👍
    There is probably a valid reason the OP does not want to use the card and pin, but if it's to do with siblings then the above could just as easily cause problems.

    Should anything happen then there could be disputes at probate paying back the money. Similarly if it came out money was being withdrawn whilst the dad was in hospital. You wouldn't believe how often money causes disagreements when taking into account bills/payments as part of settling estates.
  • born_again
    born_again Posts: 18,319 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    Section62 said:

    Customer service would be able to verify they are talking to the customer (not a fraudster) to their satisfaction, using exactly the same procedure they do anytime a customer phones them.
    OP father does not have telephone banking set up. So would have to go through the whole set up process.
    Life in the slow lane
  • Section62
    Section62 Posts: 8,653 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Section62 said:

    Customer service would be able to verify they are talking to the customer (not a fraudster) to their satisfaction, using exactly the same procedure they do anytime a customer phones them.
    OP father does not have telephone banking set up. So would have to go through the whole set up process.
    You don't need to be set up for telephone banking to speak to someone from customer services and make a request for a chequebook.

    Telephone banking is not the same thing as speaking to someone from customer services on the phone.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 348.2K Banking & Borrowing
  • 252.1K Reduce Debt & Boost Income
  • 452.4K Spending & Discounts
  • 240.8K Work, Benefits & Business
  • 617K Mortgages, Homes & Bills
  • 175.6K Life & Family
  • 254K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.