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Safeguarding aunt's money - opinions on what to do please.

Sarasa

Volunteer Host
Apr 13, 2018
3,539
0
@MartinWL , if you scratch the numbers off the back no scam callers will have enough details to get at your dad's money, but he would still be able to get money from the bank or pay for any transactions. Don't know if that will work. My mum's eyesight was too bad for her to read her card details, so she didn't get scammed in that way. It still didn't stop her going out and taking regular amounts of money from the bank, or buying things she didn't need though.
 

Lawson58

Registered User
Aug 1, 2014
2,502
0
Victoria, Australia
And the scammers are getting more devious these days. I had a call yesterday and as soon as he asked for card number, I would have hung up but he didn't.

He was taking his time firstly telling me that there had been two charges made against my card today totaling several thousand dollars. Nothing appeared on my account but he persisted. Had I lost my card, did anyone else have access to my card etc. and by this time I was waiting for him to ask for my card details. I requested a reference number for the call and he hung up.

Maybe now they are trying to be a it more convincing about what they are doing and I could see where someone could be freaked out by the potential loss of a large sum of money.
 

maryjoan

Registered User
Mar 25, 2017
1,621
0
South of the Border
Is it Go Henry? There's something about it on one of @maryjoan threads & she was going to report back on it
There are a number of prepaid debit cards on the market - it did not work at all for us. I put my partner's pocket money on it each week for him, but he kept trying to spend more than was on the card. So I then tried texting him each morning telling him how much he had left to spend and asking him to look at the text before he bought anything. After the card being declined about 40 times the company put a permanent block on it - not surprising.
We now have resorted to putting cash into his code locked meds box for the carer to give to him each Monday - not the best idea in the world, as it puts the onus on the carer - but to be quite honest, we could not think of anything else.

I did try approaching some of the building societies that still did pass books, but it was not practicable. I thought he could go to them and draw physical cash out once a week - but it never happened.
 

Female1952

Registered User
Apr 6, 2021
17
0
I registered my POA with my aunt's bank and took away her debit card and cheque book. I got her a prepaid card and kept it topped up to £200. It was also useful when she wasn't answering the phone or had locked out the carers - I could see that an hour earlier she'd spent £8.00 at the corner shop.
After a few months I closed her current account and opened one with my bank. This was more convenient for me and if she'd gone to her old bank they couldn't have given her any money.
She's now been in a care home for 4 years and is way past caring about money or banks.
 

MartinWL

Registered User
Jun 12, 2020
988
0
I have had to deal now with the scammers pretending to be the police, which my dad beloved. I checked out some credentials and concluded that this was a scam call. The fake detective called again whist I was there and immediately hung up when I took over the call. I have spent a lot of time talking to the bank and BT and have put as many safeguards in place as I can but there are not really many tools in the tool box. I do not want to take away my Dad's independence, just to ensure that the damage is limited if ever the scumbags succeed!
 

TNJJ

Registered User
May 7, 2019
2,215
0
cornwall
I have had to deal now with the scammers pretending to be the police, which my dad beloved. I checked out some credentials and concluded that this was a scam call. The fake detective called again whist I was there and immediately hung up when I took over the call. I have spent a lot of time talking to the bank and BT and have put as many safeguards in place as I can but there are not really many tools in the tool box. I do not want to take away my Dad's independence, just to ensure that the damage is limited if ever the scumbags succeed!
Have you gotten one of BT call blocking phones?
 

Hours Away

New member
Jul 16, 2021
4
0
With POA I deal with the "main" bank account and all the regular bills etc but set up another "cash expenses" account with a different bank, as scammers had previously been able to access a savings account (still unclear exactly how) held at the main bank. Top this account up monthly so the balance is a maximum of a few hundred pounds (text alerts when balance drops too low in the interim) and PWD only has a debit card for this account. The new debit card doesn't even have the sort code and account number on it but I think this must just be standard practice with this particular bank. Call Guardian phone is set so all non contacts have to announce themselves. Via the online BT account and with Call Protect you can keep an eye on incoming (as well as outgoing calls) - Your Security-Manage/Landline Security-BT Call Protect-Manage/Your recent callers - Manage. You can see the latest 20 calls and blacklist individual numbers from afar as well as check the blacklist settings eg BT's blacklist, withheld and international calls. Some piece of mind as I live far away from PWD.
 

MartinWL

Registered User
Jun 12, 2020
988
0
Yes I have thought of doing that with the bank but I can imagine it would be difficult to do without his cooperation and he is one of those who doesn't believe he has dementia at all so that might be difficult. A separate account with the same bank might work.In I have set up BT call protect and blocked withheld numbers and one unregistered mobile. Unfortunately using the telephone had become a bit of a problem already and he has to be able to answer the phone by lifting the receiver with no need to press any buttons. It also has to be amplified by default. So choice of phone is limited. If he had to decide whether to take a call after hearing the caller announce themselves and maybe press a button I could expect that to crash and burn as a plan.
 

Lynmax

Registered User
Nov 1, 2016
815
0
With my mum, we had to go further than install a phone which blocked unknown callers as she could not understand that she had to press a button to block them. Instead we bought a Truecall unit which only accepted numbers which I input ie friends and family. Withheld numbers were rejected and any unknown ones got a message ( my voice) telling them to call me if they needed to speak to mum and I gave them my mobile number. In eighteen months I only had one call! Scammers did not bother. Mum had no idea that that this blocker had been installed as we hid the box beneath a cupboard! I paid a small fee to get access to an App which gave me a breakdown of all the calls so I could check if anyone important was trying to contact her.
 

MartinWL

Registered User
Jun 12, 2020
988
0
That's very interesting @Lynmax , thank you. I will remember that for the future if things get worse. Limiting callers to approved numbers is very restrictive though, and could prevent a lot of legitimate and desirable calls.
 

Lynmax

Registered User
Nov 1, 2016
815
0
I agree Martin but the advantage of paying a small annual fee meant that I could see all the numbers of people who had tried to call mum and if there were repeated numbers, I called them back or added them to the trusted list. All medical appointments etc already had my contact details as I always took mum to them. I was lucky that Mum had a very full address book so I was able to input all our relatives and friends to the trusted list. The one call I had from someone who listened to my message was during the first lock down when Manchester City players were phoning elderly season ticket holders to check that they were ok. I had a lovely chat to one of their female football team!

In Mums case, she had given her bank details to a few companies without fully understanding what they were selling - when we began helping her with banking we found insurance premiums for products she did not own, like Sky and kitchen appliances, direct debits to several charities and a couple of debits that we had no idea about! I think we saved her over £100 a month when we cancelled them!
 

Female1952

Registered User
Apr 6, 2021
17
0
Yes I have thought of doing that with the bank but I can imagine it would be difficult to do without his cooperation and he is one of those who doesn't believe he has dementia at all so that might be difficult. A separate account with the same bank might work.In I have set up BT call protect and blocked withheld numbers and one unregistered mobile. Unfortunately using the telephone had become a bit of a problem already and he has to be able to answer the phone by lifting the receiver with no need to press any buttons. It also has to be amplified by default. So choice of phone is limited. If he had to decide whether to take a call after hearing the caller announce themselves and maybe press a button I could expect that to crash and burn as a plan.
I had POA for my aunt. I made an appointment with the bank, took in a copy and took over her account because she no longer had capacity.. I didn't have to prove more than that. I told my aunt afterwards. If she'd still had capacity, she could have challenged this - but she didn't.
 

MartinWL

Registered User
Jun 12, 2020
988
0
I had POA for my aunt. I made an appointment with the bank, took in a copy and took over her account because she no longer had capacity.. I didn't have to prove more than that. I told my aunt afterwards. If she'd still had capacity, she could have challenged this - but she didn't.
This is a lot easier when the pwd has lost capacity to the extent of not caring. When the pwd is still able to do a bit of shopping and defends their independence it is more tricky to manage.
 

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