both of my parents are quite elderly and ill . My mother has parkinsons and my father is suffering with AMD and stress and arthritis . So a few months ago I took out power of attorney to sort out finances . I found a mistake in their housing benefit claim and an odd life assurance policy which my father said just said paid an annuity . So I contacted the council immediately - explained the situation and that genuinely I was not sure but I thought they had made a mistake on their claim - filled in all the forms sent copies of everything . Today my father rang up having a full on panic attack as they owe a lot of money - apparently this life assurance policy had a surrender value and should have been counted as capital . Now I am not annoyed at them as I was struggling to unravel it all , and neither are they about the fact they owed money - if they do then they do - but why after knowing the situation did they send it all to my father who basically opened it and then had a full on panic attack - he just kept saying I cant deal with it I really cant deal with all this paperwork . Although I tried to calm him down and explained I would sort it and pay it he was very distressed . They should have just contacted me don't you think ? It seems to me honesty does not pay .