Hi just posting in the hope that some one has had this problem and managed to do something about it. Sorry if I do not explain it very well I will try my best. Mum took out some loans, we think at the start of her Alzheimer's a couple of years ago, but since she know lives with use in our family home we have took over her payment, as in made them smaller so it is more affordable, we have P.O.T and some of the loan company's have been very help full once we explain we do want to carry on making payment but just want them making lower. Mum gets so upset when we try and talk to her about what we did over the loans cos in mums world she is not in debt and never has being, its so sad when it upsets her so much. Anyway we organized that all post should come in our name and mum signed to say we could speak on her behalf ( why they asked us to do this I have no idea as we had already said she had Alzheimer's) but we did as asked that we didn't need to send the one and only copy of the POT. we did this but not long after a letter come addressed to mum and I was out so she opened it, well it wasn't fun when I got home as she was so upset and the allegations started. The bank said they can not stop this post going to mum as its law to send it to who took the loan out. My point is they have the POT and mum has a mental illness so to save the upset should they not just sent it to us like we asked in the first place. Dose the POT not mean they should do as we have asked due to the illness mum has, its not as if she understands what they send but it dose upset her.