Asda gift card through carers uk

foxmulder7

I have power of attorney for mom. 

I go shopping at Asda for mom, I use a debit card Halifax gave me for her reward account.

found out carers uk give Asda gift cards at a discount so can save on shopping

can I buy these, top them up and use their card instead and

a) use top up to help qualify her towards the £500 monthly spend on the card for her £5 reward
b) would Asda gift card be ok in my name as I do shopping or should I buy it and put card in moms name as a gift? It would be me doing shopping, she’s in her 80’s diagnosed with Alzheimer’s.

la531983

Gift cards aren't in anyone's name.

Treat them as you would cash, lose it and the money is likely gone.

sarah1972

foxmulder7 said:

I have power of attorney for mom. 

I go shopping at Asda for mom, I use a debit card Halifax gave me for her reward account.

found out carers uk give Asda gift cards at a discount so can save on shopping

can I buy these, top them up and use their card instead and

a) use top up to help qualify her towards the £500 monthly spend on the card for her £5 reward
b) would Asda gift card be ok in my name as I do shopping or should I buy it and put card in moms name as a gift? It would be me doing shopping, she’s in her 80’s diagnosed with Alzheimer’s.

I can’t see anywhere about Asda gift cards at Carers uk?

But to answer your question. 

Gift cards don’t have names on them. 

I’m sure you already know this but just a heads up in case x 

When POA kicks in, it’s better to open a seperate bank if you are using any of your money and then recouping from your mum as every penny needs to be accounted for. 

Keep all receipts and a book with it all in written down with explanations even if it is on your mums Halifax card.

You can’t just draw out £500 for example and say it’s for groceries. 

foxmulder7

sarah1972 said:

foxmulder7 said:

I have power of attorney for mom. 

I go shopping at Asda for mom, I use a debit card Halifax gave me for her reward account.

found out carers uk give Asda gift cards at a discount so can save on shopping

can I buy these, top them up and use their card instead and

a) use top up to help qualify her towards the £500 monthly spend on the card for her £5 reward
b) would Asda gift card be ok in my name as I do shopping or should I buy it and put card in moms name as a gift? It would be me doing shopping, she’s in her 80’s diagnosed with Alzheimer’s.

I can’t see anywhere about Asda gift cards at Carers uk?

But to answer your question. 

Gift cards don’t have names on them. 

I’m sure you already know this but just a heads up in case x 

When POA kicks in, it’s better to open a seperate bank if you are using any of your money and then recouping from your mum as every penny needs to be accounted for. 

Keep all receipts and a book with it all in written down with explanations even if it is on your mums Halifax card.

You can’t just draw out £500 for example and say it’s for groceries. 

Ok so basically not worth all the effort to save 3% on the shopping bills, better to just use the debit card then they can see it’s going on Asda shop from that

sarah1972

foxmulder7 said:

sarah1972 said:

foxmulder7 said:

I have power of attorney for mom. 

I go shopping at Asda for mom, I use a debit card Halifax gave me for her reward account.

found out carers uk give Asda gift cards at a discount so can save on shopping

can I buy these, top them up and use their card instead and

a) use top up to help qualify her towards the £500 monthly spend on the card for her £5 reward
b) would Asda gift card be ok in my name as I do shopping or should I buy it and put card in moms name as a gift? It would be me doing shopping, she’s in her 80’s diagnosed with Alzheimer’s.

I can’t see anywhere about Asda gift cards at Carers uk?

But to answer your question. 

Gift cards don’t have names on them. 

I’m sure you already know this but just a heads up in case x 

When POA kicks in, it’s better to open a seperate bank if you are using any of your money and then recouping from your mum as every penny needs to be accounted for. 

Keep all receipts and a book with it all in written down with explanations even if it is on your mums Halifax card.

You can’t just draw out £500 for example and say it’s for groceries. 

Ok so basically not worth all the effort to save 3% on the shopping bills, better to just use the debit card then they can see it’s going on Asda shop from that

Yes but you still need to keep receipts so if it is ever investigated you can show it’s for mum. (£500 a month for her rewards that you mention seems a lot for groceries for one person)

Basically as long as it is for their benefit only then the lpa is fine. 

They sometimes check incase of stripping of assets or buying things not in the interest of the donor 

foxmulder7

She always paid for shopping that’s why, and have records going back before she was diagnosed to show that. In other areas mom would not contribute e.g. I pay the mortgage and she lives rent free with me. Also dad and I split a lot of the other bills, dad sadly passed away just before Christmas so will be revisiting this too with any of the larger bills. I am the only son so inherit any money she has anyway eventually, assuming I out live mom. Additionally I had to give up a well paid job to look after mom 24/7 so not easy moving to just get £320 every 4 weeks carers allowance. Luckily my pension becomes available later this year to help us both.

sarah1972

foxmulder7 said:

She always paid for shopping that’s why, and have records going back before she was diagnosed to show that. In other areas mom would not contribute e.g. I pay the mortgage and she lives rent free with me. Also dad and I split a lot of the other bills, dad sadly passed away just before Christmas so will be revisiting this too with any of the larger bills. I am the only son so inherit any money she has anyway eventually, assuming I out live mom. Additionally I had to give up a well paid job to look after mom 24/7 so not easy moving to just get £320 every 4 weeks carers allowance. Luckily my pension becomes available later this year to help us both.

It’s not easy is it? I really feel for you. 

I’m the same, living off carers allowance now and my husbands ESA. 

Sorry, I wasn’t questioning you. I was just trying to help as I had all the hassle with my grandad last year. I was told that every penny had to be accounted for under the lpa. I wanted to release a little bit of his money before Christmas to help us a bit but couldn’t as it wasn’t in his best interest and would have benefited me even though I knew he dying. All his money was going straight to me too but as soon as he passed, the lpa dies with them and bank account gets frozen until they have received death certificate & will so I had his bills to pay which I had to keep going into the bank for them to pay them. 

Good luck x

foxmulder7

Just trying to get across my point, mom will always have roof over her head, even if I was to die first, though now the risk is changes planned 4/27 budget, she would have more money to last her a lifetime and have carer live in 24/7 though cousins would have to sort that with the trust I set up.  Everything I have done is in her best interests, she gets a great deal here. I love her and will see she is looked after here by me as long as I can, she told me she don’t want to go in a home and so be it.

sarah1972

foxmulder7 said:

Just trying to get across my point, mom will always have roof over her head, even if I was to die first, though now the risk is changes planned 4/27 budget, she would have more money to last her a lifetime and have carer live in 24/7 though cousins would have to sort that with the trust I set up.  Everything I have done is in her best interests, she gets a great deal here. I love her and will see she is looked after here by me as long as I can, she told me she don’t want to go in a home and so be it.

Ok not quite sure of the relevance of the above to be honest. Not once I have given the impression that your mum wasn’t getting a great deal? I was merely trying to help if ever an lpa is investigated as a lot of us don’t keep correct records. 

Anyway, getting back on topic, would you be able to post a link to the discounted Asda gift card please 

Mnoee

sarah1972 said:

Anyway, getting back on topic, would you be able to post a link to the discounted Asda gift card please 

They're 3.3% cashback on everup, 2.6% on topgiftcards via topcashback and 2% on jam doughnut that anyone can use. There's a few more, those are just ones I can easily check. 

sarah1972

Mnoee said:

sarah1972 said:

Anyway, getting back on topic, would you be able to post a link to the discounted Asda gift card please 

They're 3.3% cashback on everup, 2.6% on topgiftcards via topcashback and 2% on jam doughnut that anyone can use. There's a few more, those are just ones I can easily check. 

Ah so it’s cash back when you pay by gift card. I thought it was discounted gift cards as per the OP which is why I couldn’t find it. 

Thank you Mnoee x