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Problems opening bank account for DS (20) with MH problems

(5 Posts)
WetAugust Fri 31-Aug-12 19:04:21

Seconding Lloyds. Opened account for DS's Direct Payments with them. They are very good.

RafflesWay Sun 26-Aug-12 22:42:34

Hi neurotic, don't know if this would apply to your situation but I am just in the process of doing the exact same thing for dd who has just turned 18 and has severe learning difficulties. She is at residential school and cannot read, write, has no photo I'd etc. If you are your dc's appointee then LLOyds are your best bet! NAtwest want either power of attorney or protection order - both of which are very expensive and time consuming to obtain and didnt apply anyway for us as dd doesn't have the mental competence to agree to same.
With LLoyds you just need a BF 57 form from DWP confirming you are appointee along with birth certificate and ideally a letter from SW confirming DC's difficulties and then make an appointment with bank manager to finalize process. LLOyds have been superb with us and DWP extremely helpful too!
I checked with all banks and LLoyds definitely the best in this situation so give them a try.

LunarRose Tue 14-Aug-12 20:53:47

Pretty sure as things stand no bank will open an account without seeing you DS + his id (first direct use hsbc for this i think).

You need to be able to establish legally your right to act on your son's behalf. this is a good website to start from www.rethink.org/living_with_mental_illness/money_debt_benefits/how_to_deal_with_debt/looking_after_someone_elses_finances/looking_after_someon.html

vodkaanddietirnbru Tue 14-Aug-12 20:34:43

first direct doesnt have any branches so maybe they would be able to open the account online for him.

neuroticmumof3 Tue 14-Aug-12 18:18:16

My DS (20) has MH problems and has been unable to leave the house or speak to anyone on the phone since January. He tried to open a NatWest account online but it said he'd have to go into the branch. I went into the branch on his behalf (I bank there) and they were most unhelpful. Said every applicant has to physically present themselves to the bank to check their identity. I said didn't they deal with people who were housebound due to disability and he said no not really. DS needs a bank account as sadly he's dropped out of uni due to MH problems and needs to claim benefits as he has no income and I can't afford to support him.

Anyone have any ideas or know of any banks who are more disability friendly?

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