Can we cancel charity direct debits? If so, how?

[WhiteboardMarker]

I’d really appreciate some help on this please

Dad has dementia, he’s got several DDs set up for charities but he needs carers, which obviously he’ll have to pay for and he just can’t afford the charity payments any more

If I ring his bank they won’t speak to me will they?

I used to work for a charity and this is a very difficult one.

We used to get adult children phoning up to cancel DDs and we used to take their word on it and cancel.

Then we had a very irate gentleman ring up to ask why we'd cancelled his DD. All hell broke loose and it opened a whole can of worms about GDPR.

Unfortunately not all adult children are working in the best interests of their parents and cancel to save on their inheritance.

I left before they implemented a new process, but I know it's a really difficult situation. On a charity forum discussion there doesn't seem to be a "right" answer.

I have done exactly the same thing. Generally the people,you speak to are quite helpful when the account holder is obviously elderly.

As above
Set up an email address and cheap sim, then easy to cancel online
The other option is close the account and open another but I'm not sure if he has capacity

As an aside banks have a duty to protect vulnerable customers, I would be taking this further

@TwentyBillion makes a fair point. The charities should respect the account holder and could well say 'why haven't you had Power of Attorney put in place?'

The easiest way to deal with this now is to get online banking, as pp have said, and do it for him. It's easy enough to set up a new email address, so I'm not sure why you are persisting with the charities when you could do that. This type of thing will come up again. Online banking would help.

The other thing to look at would be getting your dad to add you onto his bank account as another signatory. You might need to take him physically to the bank yourself, but it would be worth the effort as then you'd be able to properly manage the account for him.

What's your plan for your dad now? You're going to need one.

The potential problem with setting up an online account now is that the bank have a record of the OP telling them her dad is not capable of managing his DDs, never mind setting up an online account. So personally I would not risk it.

I am wondering how his finances are managed now - how is money accessed for shopping and bills, and how will the care agency be paid. If dad is no longer able to agree to an LPA, I agree with the posters who say the OP should look into a deputyship, although it will take months to be registered and will be a PITA to administer.

Please do it properly via the Office of the Public Guardian. Don't just set up random email addresses and phone numbers. You leave yourself open to all sorts of risks of fraud and elder abuse by trying to circumnavigate the correct process. Not everyone has their relatives interests at heart and the complexities of deputyship are there to protect the vulnerable. Doing it via dubious means is easily interpreted as being for nefarious purposes.

Only 7?

My dad gave to double that, but tiny amounts, and he had a principle of giving away a tenth of his income to charity. I was able to cancel everything using PoA. If you’re reading this, and you have any love for your parent, agreeing to become an attorney is a huge thing you can do for their welfare.

The charities seem to share mailing lists, so once you give to one, you are deluged by begging letters from the rest.

This.

Online banking is definitely the easiest way. As PPs say, can you get a cheap SIM or very basic phone, if it has to be registered to a different number?

When my FIL was very close to dying, my MIL was sent from pillar to post in trying to sort his financial affairs and make some urgent payments (they had separate accounts and no joint account, but largely joint finances in practice - and it was all coming to her anyway).

The bank couldn't help her in-branch, but they suggested she set him up with online banking. She didn't have a clue how to go about it personally, but we were able to help her - and it was all automated and very simple.

It's a difficult one as it's potentially open to abuse; but online banking can also be helpful when you're genuinely helping a vulnerable family member - in the same way that it's handy being able to lend your spouse/partner your bank card to pay in a shop with contactless or chip & pin, without having to be there to actually sign it yourself.

Gosh that's absolutely awful that they won't cancel some of them at the charity end. I think you should name and shame them. They clearly have no shame, but it would make me keep an eye out for PILs in case they sign up for anything similar and I'm sure others would feel the same.
When I suggested online banking, I was definitely not suggesting you do anything that might be dubious of legality! I just meant if he already had it, maybe you could sit together and get it sorted, but it's not set up so that's not going to work.
I think another poster's suggestion of going for deputyship might be the best way to go. It will take a bit of time but will help a lot with other financial situations as well as this one.

It is surely fraudulent to set up online banking for someone else without their informed consent, and to make transactions on their behalf. I get that the OP is well intentioned here, but there is huge potential for abuse with stuff like this. Why not follow the recognised legal routes for helping older people in this situation?

Everyone is shaming the charities here but they have GDPR to follow and you don't have a POA. You need proper advise on this, legally and then to speak to the bank properly.

No use naming and shaming charities and messing around setting up online banking. I'm sorry you're going through this.

Let this be advice for everyone to get POA sorted early enough if you are lucky enough to be able to.

Get someone with a male voice to phone the charities and cancel them. Or just set up an email address for him and use his phone number and address to set up online banking. Sign in as him and cancel the direct debits. Is anyone in your family seriously going to investigate or reject at you doing that? Don’t do anything else with his finances until you get guardianship and don’t mention it and no one will ask.

Finally got them done! Absolute nightmare!

Blueberry911 yes, please everyone let this be a lesson to get POA set up

Having a nightmare trying to get his care payments sorted now but that’s another story

Well done, great outcome! How awful that it was so hard to sort, though.

Well done.
Thanks for updating us.