My 88 year old father is registered blind, has multiple health problems, and
is in receipt of upper rate AA, plus war disability pension, HB, Aand CTB.

I have a few health problems of my own, and claim some HB/CTB, plus non
income related IB and a local government ill-health retirement pension. My
father and I do not live in the same household, and much as I love my dad,
we could not live together.

My dad does need some help at times dealing with modern banking methods, and
utility companies etc. His local branch of the Nationwide are, I have to
say, very helpful to him. We have discussed getting him to do an enduriring
power of attorney, and I downloaded all the forms etc, and he is not
oppossed to the idea at all. But getting him to put ideas into practice is a
problem! He keeps saying he'll make an appointment with a solicitor, and he
really means it, but like me he doesn't have enough round tuits! My main
worry is. that at any time soon, he could have a stroke or be taken into
hospital for some other reason, and have no access to his money. I  have
very little savings, so can't help out.

He went into the Nationwide to his "helpful lady", because he trusts them,
as I had an  idea that they could actually provide some sort of power of
attorney setup, but they said all they could do was give him a form to set
up a joint account with me and dad. That would solve the immediate problem
of legitimately accessing his account. (I know I shouldnt do it technically,
but I have his pin number, and can draw cash for him from atm's - he can't
manage this as he can't see, and if he could, his arthritic fingers couldn't
manage the task).

If I were to set up a joint account, I am afraid that the HB/CT people would
regard my dad's income as being available to me, and stop my HB/CTB. Am I
correct in thinking this?

Jennie

The orijinal wrote:
> My 88 year old father is registered blind, has multiple health problems, and
> is in receipt of upper rate AA, plus war disability pension, HB, Aand CTB.
> 
> I have a few health problems of my own, and claim some HB/CTB, plus non
> income related IB and a local government ill-health retirement pension. My
> father and I do not live in the same household, and much as I love my dad,
> we could not live together.
> 
> My dad does need some help at times dealing with modern banking methods, and
> utility companies etc. His local branch of the Nationwide are, I have to
> say, very helpful to him. We have discussed getting him to do an enduriring
> power of attorney, and I downloaded all the forms etc, and he is not
> oppossed to the idea at all. But getting him to put ideas into practice is a
> problem! He keeps saying he'll make an appointment with a solicitor, and he
> really means it, but like me he doesn't have enough round tuits! My main
> worry is. that at any time soon, he could have a stroke or be taken into
> hospital for some other reason, and have no access to his money. I  have
> very little savings, so can't help out.
> 
> He went into the Nationwide to his "helpful lady", because he trusts them,
> as I had an  idea that they could actually provide some sort of power of
> attorney setup, but they said all they could do was give him a form to set
> up a joint account with me and dad. That would solve the immediate problem
> of legitimately accessing his account. (I know I shouldnt do it technically,
> but I have his pin number, and can draw cash for him from atm's - he can't
> manage this as he can't see, and if he could, his arthritic fingers couldn't
> manage the task).
> 
> If I were to set up a joint account, I am afraid that the HB/CT people would
> regard my dad's income as being available to me, and stop my HB/CTB. Am I
> correct in thinking this?
> 
> Jennie
> 
> 

I would avoid a joint bank account at all costs if the other person has 
considerable savings, it just causes too many complications. How can you 
prove what would be yours and what would be your father's?

Why can't you just keep using his cashpoint card? I do this for my 
mother, draw her money out each week. It would certainly make things easier.

On 18 Jun, 03:25, "The orijinal"  wrote:
> My 88 year old father is registered blind, has multiple health problems, and
> is in receipt of upper rate AA, plus war disability pension, HB, Aand CTB> I have a few health problems of my own, and claim some HB/CTB, plus non
> income related IB and a local government ill-health retirement pension. My
> father and I do not live in the same household, and much as I love my dad> we could not live together.
>
> My dad does need some help at times dealing with modern banking methods, and
> utility companies etc. His local branch of the Nationwide are, I have to
> say, very helpful to him. We have discussed getting him to do an enduriring
> power of attorney, and I downloaded all the forms etc, and he is not
> oppossed to the idea at all. But getting him to put ideas into practice is a
> problem! He keeps saying he'll make an appointment with a solicitor, and he
> really means it, but like me he doesn't have enough round tuits! My main
> worry is. that at any time soon, he could have a stroke or be taken into
> hospital for some other reason, and have no access to his money. I  have
> very little savings, so can't help out.
>
> He went into the Nationwide to his "helpful lady", because he trusts them> as I had an  idea that they could actually provide some sort of power of
> attorney setup, but they said all they could do was give him a form to set
> up a joint account with me and dad. That would solve the immediate problem
> of legitimately accessing his account. (I know I shouldnt do it technically,
> but I have his pin number, and can draw cash for him from atm's - he can't
> manage this as he can't see, and if he could, his arthritic fingers couldn't
> manage the task).
>
> If I were to set up a joint account, I am afraid that the HB/CT people would
> regard my dad's income as being available to me, and stop my HB/CTB. Am I
> correct in thinking this?
>
> Jennie

Getting a power of attorney done is relatively quick and simple.
The alternitive, once someone becomes incapable of handling things
themselves, becomes rather more complicated.

Martin  <><

mart2306@hotmail.com wrote:
> On 18 Jun, 03:25, "The orijinal"  wrote:
>> My dad does need some help at times dealing with modern banking
>> methods, and utility companies etc. His local branch of the
>> Nationwide are, I have to say, very helpful to him. We have
>> discussed getting him to do an enduriring power of attorney, and I
>> downloaded all the forms etc, and he is not oppossed to the idea at
>> all. But getting him to put ideas into practice is a problem! He
>> keeps saying he'll make an appointment with a solicitor, and he
>> really means it, but like me he doesn't have enough round tuits! My
>> main worry is. that at any time soon, he could have a stroke or be
>> taken into hospital for some other reason, and have no access to his
>> money. I have very little savings, so can't help out.
>>
>> He went into the Nationwide to his "helpful lady", because he trusts
>> them, as I had an idea that they could actually provide some sort of
>> power of attorney setup, but they said all they could do was give
>> him a form to set up a joint account with me and dad. That would
>> solve the immediate problem of legitimately accessing his account.
>> (I know I shouldnt do it technically, but I have his pin number, and
>> can draw cash for him from atm's - he can't manage this as he can't
>> see, and if he could, his arthritic fingers couldn't manage the
>> task).
>>
>> If I were to set up a joint account, I am afraid that the HB/CT
>> people would regard my dad's income as being available to me, and
>> stop my HB/CTB. Am I correct in thinking this?
>>
>> Jennie
>
> Getting a power of attorney done is relatively quick and simple.
> The alternitive, once someone becomes incapable of handling things
> themselves, becomes rather more complicated.
>
> Martin  <><

Thanks I'll have to bite the bullet and get on with helping him het the form
filled in. He is still mentally competent-if a little forgetful and not as
sharp as he was, and I have pushed the benefits of allowing me to help on
his say so, rather than being overtaken by social workers etc who might take
all decisions out of his hands.

Jennie

Robbie wrote:
> The orijinal wrote:
>> He went into the Nationwide to his "helpful lady", because he trusts
>> them, as I had an  idea that they could actually provide some sort
>> of power of attorney setup, but they said all they could do was give
>> him a form to set up a joint account with me and dad. That would
>> solve the immediate problem of legitimately accessing his account.
>> (I know I shouldnt do it technically, but I have his pin number, and
>> can draw cash for him from atm's - he can't manage this as he can't
>> see, and if he could, his arthritic fingers couldn't manage the
>> task).
>>
>> If I were to set up a joint account, I am afraid that the HB/CT
>> people would regard my dad's income as being available to me, and
>> stop my HB/CTB. Am I correct in thinking this?
>>
>> Jennie
>>
>>
>
> I would avoid a joint bank account at all costs if the other person
> has considerable savings, it just causes too many complications. How
> can you prove what would be yours and what would be your father's?
>

I see your point.

> Why can't you just keep using his cashpoint card? I do this for my
> mother, draw her money out each week. It would certainly make things
> easier.

This is fine for the occasions I'm around, and he does, at present, manage
to draw enough cash for himself over the counter most of the time. Sometimes
he mis-calculates tho' or forgets it is a bank holiday.

I could easily set his mind at rest when he worries that some unauthorised
payment has apparrently come out of his account, if I had direct access via
internet banking. So it looks like i'll have to go the power of attorney
route.

I curse "Big Brother" and all the anti-money laundering regs that make life
so difficult for ordinary mortals, yet do nothing really to curb determined
criminals.

Thanks for the help.

Jennie

On 19 Jun, 23:00, "The orijinal"  wrote:
> Robbie wrote:
> > The orijinal wrote:
> >> He went into the Nationwide to his "helpful lady", because he trusts
> >> them, as I had an  idea that they could actually provide some sort
> >> of power of attorney setup, but they said all they could do was give
> >> him a form to set up a joint account with me and dad. That would
> >> solve the immediate problem of legitimately accessing his account.
> >> (I know I shouldnt do it technically, but I have his pin number, and
> >> can draw cash for him from atm's - he can't manage this as he can't
> >> see, and if he could, his arthritic fingers couldn't manage the
> >> task).
>
> >> If I were to set up a joint account, I am afraid that the HB/CT
> >> people would regard my dad's income as being available to me, and
> >> stop my HB/CTB. Am I correct in thinking this?
>
> >> Jennie
>
> > I would avoid a joint bank account at all costs if the other person
> > has considerable savings, it just causes too many complications. How
> > can you prove what would be yours and what would be your father's?
>
> I see your point.
>
> > Why can't you just keep using his cashpoint card? I do this for my
> > mother, draw her money out each week. It would certainly make things
> > easier.
>
> This is fine for the occasions I'm around, and he does, at present, manage
> to draw enough cash for himself over the counter most of the time. Sometimes
> he mis-calculates tho' or forgets it is a bank holiday.
>
> I could easily set his mind at rest when he worries that some unauthorised
> payment has apparrently come out of his account, if I had direct access via
> internet banking. So it looks like i'll have to go the power of attorney
> route.
>
> I curse "Big Brother" and all the anti-money laundering regs that make life
> so difficult for ordinary mortals, yet do nothing really to curb determined
> criminals.
>
> Thanks for the help.
>
> Jennie- Hide quoted text -
>
> - Show quoted text -

Just stops the casual criminal perhaps.

Martin  <><

The orijinal wrote:
> My 88 year old father is registered blind, has multiple health problems, and
> is in receipt of upper rate AA, plus war disability pension, HB, Aand CTB.
> 
> I have a few health problems of my own, and claim some HB/CTB, plus non
> income related IB and a local government ill-health retirement pension. My
> father and I do not live in the same household, and much as I love my dad,
> we could not live together.
> 
> My dad does need some help at times dealing with modern banking methods, and
> utility companies etc. His local branch of the Nationwide are, I have to
> say, very helpful to him. We have discussed getting him to do an enduriring
> power of attorney, and I downloaded all the forms etc, and he is not
> oppossed to the idea at all. But getting him to put ideas into practice is a
> problem! He keeps saying he'll make an appointment with a solicitor, and he
> really means it, but like me he doesn't have enough round tuits! My main
> worry is. that at any time soon, he could have a stroke or be taken into
> hospital for some other reason, and have no access to his money. I  have
> very little savings, so can't help out.
> 
> He went into the Nationwide to his "helpful lady", because he trusts them,
> as I had an  idea that they could actually provide some sort of power of
> attorney setup, but they said all they could do was give him a form to set
> up a joint account with me and dad. That would solve the immediate problem
> of legitimately accessing his account. (I know I shouldnt do it technically,
> but I have his pin number, and can draw cash for him from atm's - he can't
> manage this as he can't see, and if he could, his arthritic fingers couldn't
> manage the task).
> 
> If I were to set up a joint account, I am afraid that the HB/CT people would
> regard my dad's income as being available to me, and stop my HB/CTB. Am I
> correct in thinking this?
> 
As the money isn't yours, it does not afect your benefits under the 
HB/CTB regs.
The difficulty is in demonstrating that the money is not yours. The 
council could suspend your benefit while they establish this.
Enduring power of attorney is the best route.