My mother has Dementia and parkinsons and in late 2013, after a year of me caring for her, she was admitted to a nursing home. i approached adult services to ask if there was any help with fees they said there is a deferred payment scheme but her capitol would have to be below the 23,000 threshold before that could be put in place. Mum had bonds and savings which i told them about. A year has passed and her savings diminished enough she has reached the threshold and we have applied for deferred payment again and its going through now. I have since been informed by the bond company that the bonds should have been disregarded in the means test because they have a life insurance element to them. As a consequence we've paid over £40k in care fees we didn't have to. Am i entitled to a refund ? how do i go about getting it ? will i need legal representation? your help is most appreciated in this stressful time.