Adult son with LD and his money

Albermarle

Flakie said:

Thank you Elsien. That to me is very sound advice. I am going to look into the deputyship thing and get it made official then I won’t need to worry. And I think your comment about the fact that the bank didn’t really do its due diligence at the time and I was ignorant of the implications is a sound one. If anything did happen to me and I was the only deputy would my husband be able to get access? Or would that open up a completely new can of worms? 

You can have a Joint Deputyship.
As I mentioned earlier there are two ( like with PoA) . One for welfare and health issues and one for finances.
The Court of Protection have discretion on whether to agree a deputyship or not. AIUI, normally the Welfare ones will not be approved in the case of adults with learning difficulties, unless there are special circumstances, although the finance one should be.