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Elderly parents

Financial abuse

11 replies

FeelingHelpless99 · 27/01/2023 23:38

This feels like quite a sickening situation to me, and it might seem quite weird written down.

About 12 years ago, my parents engaged a cleaner to help after my mum got cancer. I remember my mum was always a bit suspicious of the cleaner, and found her a bit shifty. 10 years ago, my mum passed away from cancer (NHS mistakes :-( ) and the cleaner just stayed on. My Dad’s 13 years older than my mum.

My sister and I tried to support my Dad, both visiting 2ce a week, cooking for him, taking him out on drives. So he hasn’t been neglected, even though we both had busy jobs, our families, and other issues and sadnesses to contend with.

But over the years, my Dad become closer and more emotionally dependent on the cleaner. His mobility began to fail due to arthritis. The cleaner has become more and more of a housekeeper and carer (revising her previous job history quite a bit as she went along). A few bits and pieces went missing from the house, we realised (often belatedly) but nothing we thought very valuable.

It’s been going on for so long, I don’t remember the full timeline clearly. I think by 2016 / 2017 we were definitely suspicious. She represented herself to eg social care teams etc as my Dad’s daughter, or niece, which rang alarm bells. She had a key, and once or twice discovered her coming out the house when she shouldn’t have been there.

My Dad has no social life, beyond my sister and me, and this woman, who starts taking him for coffee every Saturday with her DH and MIL.

In 2018, we searched my Dad’s house when he was out one Saturday and found a letter showing he’d added this cleaner to his savings account. We were shocked, but thought this confirmed all our suspicions, and this situation would end. I contacted the police. By then my Dad was 86, and can only walk with great difficulty, using a zimmer frame, or mobility scooter I try to break the news gently to my father - and it turns out he consented to this! I had to tell the police, who were poised to come and interview the cleaner, to stand down.

Since then things have got worse. My Dad is now chair bound / bed bound with other state-provided carers coming in 6 times a day. Not delusional, but so old and frail he’s not really there (90 now). The cleaner has had his bank card for … I don’t know… 3 or 4 years. We tried to look at statements but she intercepts them and they vanish. I asked her to see them, and she said my Dad didn’t want me to do that. (He backed her up when I spoke to him alone.) He worked until he was 78 (when my mum became ill) and didn’t draw any pension, so it’s about £2900 per month. My sister managed to see a statement this month, about £3200 was coming out.

We feel we can’t step in and tell this woman to off, because basically our Dad loves her, is psychologically dependent on her. She’s also very conscientious and efficient (at what little there is to do for a bedbound man with carers coming in 6 x per day - but there have been issues like dry rot and communal maintenance issues she’s dealt with). In a weird and creepy way she feels like part of the family now.

The money she’s taking is less (we think) than the cost of a care home, and our father would probably be in one by now without her care. But when he was hospital for 3 months she took about £8k.

It’s his money, his life, he’s barely just compos mentis, but entirely emotionally groomed, and the fact she’s hiding statements is an admission of her exploitation. It’s a horrible situation, and it makes us feel ill. Our father has many good qualities, but he’s always been selfish, sexist, and a bit two-faced. Very strong willed. So there’s no arguing with him.

I never meant to write such a huge long post! No one will accuse me of drip feeding! Perspectives welcome, and maybe this post can act as a cautionary tale - do not let a situation like this develop!

OP posts:
Mosaic123 · 29/01/2023 14:08

Could you have a casual chat to her and let her subtly know that you know what's happening? It might stop her taking too much.

A difficult situation. You could also write a letter to your Dad's GP outlining what's going on. Don't expect an answer but you could ask them to alert you, leave your contact details in the letter, if they have any major concerns.in the future.

RandomMess · 29/01/2023 14:54

Speak to Age Concern, sounds like your Dad is vulnerable and should have a social worker of his own. Sadly you should have realised this years ago as she has manipulated him.

Babyroobs · 29/01/2023 15:01

You need to make a referral to adult social care and raise a safeguarding concern. They will investigate. I had to do this recently where a very frail 89 year old had her estranged daughter on her bank accounts and daughter was withdrawing large sums of money that the old lady knew nothing about. Someone had also stopped her pension credit going into her account and into another. It's very sad that so many older people get into these situations and trust people. I appreciate it's harder for you as your dad is emotionally involved. It may be better for someone else to look at the situation objectively and see if there has been abuse. I know a couple of people who have inherited large sums of money left to them by someone they cared for. have you checked your dad's will or spoken to him about it ?

Babyroobs · 29/01/2023 15:04

It also sounds like if she is his carer then she needs to have a proper contract drawn up with him and paid an hourly rate. Not her taking large sums when she feels like it ! She obviously needs to be paid a fair rate but also needs to have credentials checked like dbs check etc.

FeelingHelpless99 · 29/01/2023 18:31

Mosaic123 · 29/01/2023 14:08

Could you have a casual chat to her and let her subtly know that you know what's happening? It might stop her taking too much.

A difficult situation. You could also write a letter to your Dad's GP outlining what's going on. Don't expect an answer but you could ask them to alert you, leave your contact details in the letter, if they have any major concerns.in the future.

I asked by text earlier this year if I could look over the statements and she texted back that I’d upset my Dad (by then very frail). I spoke to him later and he (somewhat vacantly) backed her up. Completely in thrall.. :-/

OP posts:
FeelingHelpless99 · 29/01/2023 18:33

RandomMess · 29/01/2023 14:54

Speak to Age Concern, sounds like your Dad is vulnerable and should have a social worker of his own. Sadly you should have realised this years ago as she has manipulated him.

We did this back in 2017 / 2018… it was already too late. Our main objective is for our Dad to be happy, but it’s twisting the knife that that means tolerating this situation.

OP posts:
FeelingHelpless99 · 29/01/2023 18:36

Babyroobs · 29/01/2023 15:01

You need to make a referral to adult social care and raise a safeguarding concern. They will investigate. I had to do this recently where a very frail 89 year old had her estranged daughter on her bank accounts and daughter was withdrawing large sums of money that the old lady knew nothing about. Someone had also stopped her pension credit going into her account and into another. It's very sad that so many older people get into these situations and trust people. I appreciate it's harder for you as your dad is emotionally involved. It may be better for someone else to look at the situation objectively and see if there has been abuse. I know a couple of people who have inherited large sums of money left to them by someone they cared for. have you checked your dad's will or spoken to him about it ?

We’ve emailed my Dad’s lawyer and done as much as we can within the bounds of data protection.

We spoke to Social Care back in 2018, and they were sympathetic, but not much help. I think my father had to consent to intervention, from memory? But he’s a lot more ‘gone’ now - though very good at masking it. He’s a very stubborn man and won’t consent to PofA though he doesn’t remember too much now (short term memory, long term memory is still strong).

OP posts:
FeelingHelpless99 · 29/01/2023 18:38

Babyroobs · 29/01/2023 15:04

It also sounds like if she is his carer then she needs to have a proper contract drawn up with him and paid an hourly rate. Not her taking large sums when she feels like it ! She obviously needs to be paid a fair rate but also needs to have credentials checked like dbs check etc.

Agree! It’s making that happen. It’s very hard to stand up to her without my Dad feeling violated now.

OP posts:
Coyoacan · 29/01/2023 19:18

But if he is happy and she is looking after him...

FeelingHelpless99 · 29/01/2023 19:53

Yes, for about £30k per annum cash free and 6 other carers coming in every day, and 4 visits from family every week! But you’re right. It’s a messy dilemma

OP posts:
Princessglittery · 01/02/2023 11:09

@FeelingHelpless99 couple of suggestions the first is to try and get your Dad to agree to you and your sister being Power of Attorney. There are two types Health & Welfare and Property & Financial Affairs. I believe (happy to be corrected) the latter can be used along side your Dad still having the capability to manage his own affairs. That way you can get full access to his accounts.

Irrespective of POA:

  • Set up a joint email address for your Dad that you and your sister both have access to. Use this for any comms about your Dad with banks, healthcare etc. It makes it easier to have the emails in a separate account.
  • If your Dad agrees help him apply for online access to his bank account etc. this way you can help him access his account and “see the transactions”. Use the “joint email address”
  • If your Dad agrees, set up a joint bank account with you and your sister. Have his income/pension paid into this and set up a STO to his current account for a reasonable amount to cover bills and routine expenditure.
  • If your Dad agrees, set online accounts using the “joint email address” for household bills etc. so you can help make sure he is getting the best/cheapest tariffs.
  • Put a property Alert on your Dad’s property propertyalert.landregistry.gov.uk
  • Also if your Dad agrees, make a change to the Land Register so one contact address is an email - the one you set up for your Dad. (can’t be intercepted like snail mail)www.gov.uk/registering-land-or-property-with-land-registry/update-or-correct-the-register
Obviously you know passwords should not be shared 😉. Using a joint email address as the login means if anyone else tries to change a password you and your sister will also get the notification email.
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