Is this financial abuse?

[Tabletopp]

Hi,

my brother (43 years old) has been through done financially tough times recently.

mum offered to help him by allowing him to open up a couple of credit cards in her name. He uses the cards and pays directly from his bank with no cost to mum. My worry is that these cards are maxed out now.

I’ve spoke to mum and she says that she’s not worried as he always pays. She views it as her debt in name only.

is this an example of financial abuse?

Not if she’s willingly done it without coercion, no.

Financial naivety… yes.

It’s a tricky one as she’s allowing it. Would she give you financial POA?

It’s not a good idea. But no it’s not financial abuse.

Unless you are going to drip feed that she has diminished responsibility.

Did she truly offer and it was all her idea or did he suggest?

It’s not a good idea at all, I know this is unlikely but what if he died suddenly? It would then be her debt. Kind but incredibly naive.

Apparently he has taken out a life insurance policy to cover this!