I have recently registered my LPOA with my mums bank. Being new to this, I didn’t realise she would lose all access, but on going through the process I can see why this was the right thing. For example she had multiple home insurance policies and now I’ve been able to cancel duplicates, claim refunds etc for her.
As mum still lives alone, and many miles away from me, I did want her to have access to some funds for everyday spending, eg the odd pint of milk, cash to pay her hairdresser etc, while I dealt with larger things for her, so, on the advice of the POA team at her bank I got her a pre paid debit card. I thought I could just top this up as and when needed with her own account.
This is where the problem has come in! Every time I have attempted to top up the card it has been flagged as fraudulent. I’ve spent hours on the phone over the past week explaining what I am doing, that I am doing it on their advice, and still every time I need to speak to the fraud team.
Yesterday the lady in the fraud team asked me so many questions which bothered me. Did mum have carers? Did she have accounts with other banks that I was dealing with too? Could they not just give her a debit card from the bank? Why was there a debit card transaction for Sainsburys on mums account when she didn’t have access to it? (I ordered her an online shop as I have been doing for months but only started using her own account for it very recently when her bank issued me a debit card in my own name as POA!)
I really don’t understand why they seem to think I’m committing criminal activity and I need to go through the fraud team each time I try to help mum out. I’m considering complaining but I wanted to ask here first if anyone else has experienced this and if it’s just part of the process? Thank you in advance.
As mum still lives alone, and many miles away from me, I did want her to have access to some funds for everyday spending, eg the odd pint of milk, cash to pay her hairdresser etc, while I dealt with larger things for her, so, on the advice of the POA team at her bank I got her a pre paid debit card. I thought I could just top this up as and when needed with her own account.
This is where the problem has come in! Every time I have attempted to top up the card it has been flagged as fraudulent. I’ve spent hours on the phone over the past week explaining what I am doing, that I am doing it on their advice, and still every time I need to speak to the fraud team.
Yesterday the lady in the fraud team asked me so many questions which bothered me. Did mum have carers? Did she have accounts with other banks that I was dealing with too? Could they not just give her a debit card from the bank? Why was there a debit card transaction for Sainsburys on mums account when she didn’t have access to it? (I ordered her an online shop as I have been doing for months but only started using her own account for it very recently when her bank issued me a debit card in my own name as POA!)
I really don’t understand why they seem to think I’m committing criminal activity and I need to go through the fraud team each time I try to help mum out. I’m considering complaining but I wanted to ask here first if anyone else has experienced this and if it’s just part of the process? Thank you in advance.