What is it with these brothers. Mine appears to be in a state of denial, actually not too hard if you simply allow her intelligent sounding conversation to float over you. But she has no short term memory, forgets things she was told 10 minutes before, and loses any or everything. Dementia is a disability, but a weird one because the person only has limited awareness of what is happening.
WBN - I lost it as well when I reached the reference to the toe-nail lady. There are so many strands in taking charge of someone else's affairs, but I had not thought of feet. However I have the optician coming in tomorrow.
The Waitrose service sounds great. Customer services at my mums Tescos keep a list of people who might get lost or confused with their names and addresses. One other tip I was given if you have one near you, and your DP can still use an oven or microwave is Cook. www.cookfood.net/order/ The person who told me said she found it a good way to get her 90 year old mum to eat a wholesome meal every day, without using the stove top. Not cheap but probably cheaper than buying individual ingredients for one.
The firms that prey on the elderly are quite shocking. These include some charities who must target older people and send them all sorts of stickers, pens and cards in the hope of obtaining donations. We did a bit of research and discovered several of the companies offering TV, domestic appliance or satellite "protection", different from "insurance" as you don't get FSA regulation, were actually the same company. I got another to admit they had bought my mums name from a third party - presumably a specialist list of vulnerable people who can be conned.
I drafted a pretty fierce letter listing the avenues of complaint I intended to pursue. I did not get much money back, but all decided not to enforce the full three year agreements. PM if you want a copy.
My attitude on finance/administration has been that I either do all or nothing. I don't think you can really just "help". Not if someone is vulnerable, and wont admit or remember what they have done. (I recognise the odd clues which indicate something is wrong, plus the unwillingness to admit that you have been pressured into buying something. It is difficult for someone who was previously competent to admit they have been taken for a ride. In your place I might see if I could find any correspondence.)
You don't also have the time to sort out any mess post-facto. My mum had scribbled all sorts of sad notes "I must look at this when I am feeling less confused" or "I gave them my bank details, I hope they are not conmen". She must have been very stressed.
I would tell the Social Worker about your concerns and ask if she feels that your mother is capable of managing her financial affairs. If she says you should be taking over, for her protection, then tell your brother and the bank.