Ask a Law Question, Get an Answer ASAP!
Yes my mother did have a card to the account, however she never used the card. She was only use the accoount to pay cheques and Direct debits.
No I have not seen statements. I have seen the cheque book that clearly states both my sister's married name and my mothers name.
Hope this helps.
Good Morning Clare
No, I haven't asked for statements, however, my enquiry concerns my wishes to have my name added to the account and what steps I need to make to make this happen. Can you please advise on this aspect i.e wether this is possible and what steps I would need to take.
Thank you Claire.
This is just the information that I was hoping for.
The only problem I see here is that my mother will not know the PIN number attached to her card as she only every used it as a cheque guarantee card. If I approached the bank to request a new PIN number be sent to her address, even with the EPA I can’t see them doing this, as it’s a joint account. Would I be correct in this assumption?
Thank you for your clarifcation.
If I have any problems, I'll be back (starting a new question).
Excellent service, by the way.
Following your advice, I appraoched the bank with the EPA and proof of ID etc.
They appraoched their law deptment, who have in effect siad that, the thrid party ( that's me) needs the wriitten consent from the able bodied account holder - that's my sister.
They avised that If I wasn't satisfied that i should have my solicitor contact their law dept. So in effect, my holding the EPA is unless.
Can you advise please
I decided to call the Financial ombudsman (Fo) customer helpline.
I explained the situation, their answer wasn’t encouraging. In fact they agreed with the bank, on the basis that the account is a ‘joint’ account. The bank view it this way, that as a joint account the money held with in it, is both my mother’s and my sister money. Therefore why should I have any rights to what could be my sister’s money, (the fact that it’s not her money is irrelevant).
The Fo didn’t discourage me from making a complain, only that she wanted to manage my expectations.
To add insult to injury, when my mother dies the money held within that account belongs to my sister and will not counted within the estate. I’m not so bothered about this, it’s the over seeing and management of the account while my mother is a live, that I’m concerned with.
Up the creek without a paddle !
I called the FO again and got the same story.
However your take on the situation makes soo much more sense than the banks.
I call the Office of Guardianship, and they said that my sister should not even be on the account, much more so that she is an appointed attorney. She has contaminated the account and Must remove herself, unless she can prove she is using the account for own personal banking (which she can't). Blar, blar, and then something about interfering with my statutory rights. And if she doesn’t remove herself to give them a call.
I’m aware that this is taking your time just reading this, and as of yet nothing has been resolved, but I’m so glad I kept listening to you. We’ll see how this pans out.