Protecting Elderly Finances Guide

Summary

If a sibling misuses a parents bank cards, report the issue to the bank and request a freeze on accounts. Inform the Office of the Public Guardian and keep records of all actions. If accounts are frozen, automatic payments may stop, so arrange alternative payment methods. Contact service providers directly to set up new payment plans. For further assistance, reach out to Citizens Advice for free guidance. To report stolen cards, contact the bank, file a police report, and notify the Office of the Public Guardian. Legal aid services can offer additional support if needed.

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I've not spoken to the banks yet as I'm currently trying to sort out my late fathers estate as well as apply for deputyship for mum.
It sounds like you have a lot on your plate. Here are some steps you can take:
*. Contact the Banks: Notify them about the situation and request to freeze your mum's accounts to prevent any unauthorized transactions.
*. Inform the Office of the Public Guardian: Let them know about your concerns regarding your brother’s access to the bank cards.
*. Seek Legal Advice: You may want to consult with a solicitor to get personalized advice for your situation.
Are you considering speaking to a solicitor for this matter?
I don't have finances to be ale to pay a solicitor
I understand. In that case, you can seek free legal advice from organizations such as Citizens Advice or search for legal aid. They can provide guidance and support for your situation. Additionally, some solicitors offer a free initial consultation.
Would you like more information on how to contact Citizens Advice or legal aid services?
If my brother uses mums cards I won't get blamed for it will I?
Case Rating: *
If your brother uses your mum's cards without her permission, he would be committing fraud. Given your efforts to gain deputyship and manage your mum's affairs, you should not be held responsible for his actions. However, it's crucial to take the following steps to protect yourself:
- Contact your mum's bank to report the situation and request a freeze on her accounts.
- Inform the Office of the Public Guardian about your concerns.
- Keep records of all communications and actions taken.
Would you like more information on how to contact Citizens Advice or legal aid services?
If they freeze mums bank accounts, will her bills still be paid?
Case Rating: *
If your mum's bank accounts are frozen, automatic payments linked to those accounts (such as direct debits for bills) will typically be halted. You might need to set up alternative payment methods to ensure her bills are paid.
Would you need assistance setting up alternative payment methods or more guidance on contacting relevant authorities?
yes
Case Rating: *
To set up alternative payment methods for your mum's bills, you could consider the following steps:
- Contact service providers directly to arrange payment plans or alternative methods.
- Use another account, if available, to manage her payments temporarily.
Would you need more specific guidance on setting up these payments?
yes
Case Rating: *
You can contact service providers directly to set up alternative payment methods. You may also consider using another account temporarily to manage your mum's payments.
If you need further assistance, you can reach out to Citizens Advice for free support and guidance. Would you like more information on how to contact them?
yes
Case Rating: *
You can contact Citizens Advice for free support and guidance. Here’s how you can reach them:
- Website: [Citizens Advice](https://www.citizensadvice.org.uk/)
- Phone: * * *
They can provide you with detailed assistance on managing your mum's payments and other legal concerns.
Would you like more information or have any other questions?
how can i report all of mums cards have been stolen?
Case Rating: *
To report your mum's cards as stolen, you should:
*. Contact the Banks: Inform them about the theft and request to freeze the accounts.
*. Report to the Police: File a police report for the stolen cards.
*. Contact the Office of the Public Guardian: Notify them about the situation and your concerns.
Would you like more information or have any other questions?