Wondering if anyone has any tips/advice or just general opinion on this.
I am the third party mandate on my Gran’s bank account (only reason we even informed the bank of this was because she moved into a nursing home earlier this year and she had no way of informing them of her change of address, except via me, due to speech issues).
When Gran was diagnosed with her condition, at the start of this year, I bought the LPA forms- she “didn’t want to bother with them”, which has now led us into a sticky situation with the bank.
For a long time, due to Gran being housebound and eventually bedbound, I’ve been using her debit card to withdraw her cash (at her request), on a regular basis. Some of this has been saved towards funeral costs (she’s adamant she wants to pay for her own) and some is used for daily expenses (i.e. tena pads, magazines, books, sweet treats, clothes and the like).
2 weeks ago, the bank phoned and confirmed that they suspected fraudulent activity on the account. I spoke to them and confirmed that this was all me, under the instruction of my Gran. They noted all this down and asked what the use of the money was for, which I confirmed to them, as above. I asked, at the end of the call, whether the account was therefore no longer suspended. I was told they could not confirm this and that they would write to my Gran to confirm.
Well, today I called them because no letter has been received. I’ve been told that it’s the card that’s been blocked, not the account. I told them (again) that Gran cannot confirm anything to them on the phone, nor visit in branch due to being unable to talk legibly and unable to be transported anywhere, except hospital in a hospital bed. Eventually, they said I could write a letter and get Gran to sign it.
My big gripe with this is that I did the exact same thing, only a couple of months ago, to get the third party mandate set up in the first place- how do I know this isn’t going to cause the exact same scenario again in another couple of months?
Also, think that they informed me wrongly that third party mandate “doesn’t cover the use of the account holder’s debit card by the third party”- I’m 99% sure they’ve gotten this wrong, but would love a more educated person’s feedback on this.
I am now so fed up of this being an issue that I want to start the online LPA application and will have to talk to my Gran about it.
On another note, can anyone enlighten me as to what the ‘typical’ bank process is regarding executors of Wills? I am down as the executor in my Gran’s Will- if we don’t get the LPA is this going to be another source of headache, when the inevitable happens? I really can’t afford to suddenly magic-up grands of money when the funeral directors need paying.
I had this kind of problem when my Mum passed away- she didn’t have a Will so I was told by her bank that I couldn’t access her account (the only cash she had in there was an overpayment in benefits that I was trying to pay back to the DWP because Mum’s estranged husband was too drunk and incompetent to do it himself). I’ve now got her bank contacting me, telling me that money is still in her account (over 2 years later) and they’re trying to ‘dish it out’ to the next of kin (I have no idea where the estranged husband lives, so I can’t be of use to them there). However, I digress!
Thanks in advance, all!