My mothers death was Jan. 6th 2008, My stepfather was diagnosed with dementia on Nov. 2000. By the time my mother died my dad had no capacity, lacked insight and could not manage his affairs. My brother and sister in law must have found my dads debit card along with pin number in the document box my mother kept. HSBC bank have confirmed that as it was a joint account, two cards would have been issued., although my dad never used his, and would not have know how. On the 10th Jan 2008 the debit card was used to draw cash from an atm, this continued along with random spending on the card untill may 2009 when COP came into play, then the card used stopped. along with the sale of my mothers car, and the insurance of my mother, which my sister inlaw got forms for my dad to sign, knowing he lacked capacity. amounts to approx. £8.000
I had my suspicions in 2008 but could not prove anything. I was not able to obtain info from the Bank concerned. My half brother inherits my family home (value approx £300.000) I inherit any money that is left (approx £40,000) less any debts, probate etc. My brother and I always agreed that when our parents died we would always split every thing down the middle, regardless of any wills. When he and his wife found they get the house, they changed and no longer to spoke to me. My brother did not realise I would be joint executor with him on our dads will, this enabled me to obtain all bank statements and copies of all cheques from 2008, this is when I could confirm my suspicions of theft/fraud. I have files full of COP papers, medical reports, etc dating back to my mothers death. For your information, My mother and father purchased the property on March 9th 1956. In April 1964 my father died. In 1968 my mother married my step father, he treated me as his daughter, We loved each other dearly. I will also point out, that my step fathers will ws a mirror will of my mothers made in 2002, two years after my dad was diagnosed with dementia.
Only that he is 18 years younger than me, was just starting out in married life, where as I was at the time, married with 3 children, and what was considered comfortable, My mother always favored my brother, this was not a problem for me as I loved my only sibling dearly. Whereas, my step dad loved us both equally, my children were his beloved grandchildren.
Thank you so very much for your sound advise, one further question, if you don't mind. I would like to consider making a claim under the 1975 inheritance act, for a third of the property value, as my natural father paid towards this property, as did my mother. I am now a pensioner on pension credit, I live in rented accommodation, ( 1 bed flat ) I could no longer own my own home due to ill health, and had to retire. I was employed in severe and enduring mental health, and also worked as a pace trained appropriate adult. I cannot afford to pay a solicitor for this service, could you advise on the best way about this if you think it is possible, Many thanks.
Thank you very much indeed for all your help.