I would only agree if it was a particularly large cheque. Giving her
more things to do in an already difficult life is just mean.
She already has the goods. If the bank don't cash the cheque I don't get the £11. I wouldn't bother going back to get another cheque off herfor £11.Uncle Peter used his keyboard to write :
Be a man, rip up the cheque and send her the goods with a note
explaining her mistake but you drank a bottle of milk-of-human-kindness
and she owes you nothing.
One can only have hope...
That would be her bad luck not mine. Why would they lock an account because of something like that?It will probably fail in clearing and if you are unlucky lock down her
account completely depending on how convincing her signature is compared
to the one that the bank holds on file.
Duty of care? WTF are you on about? The bank is not her doctor and it's really none of their business.They have a duty of care to her and as such will be cautious.
Everybody's signature changes over time, and degrades with age. A shaky hand does not mean you are not sound of mind.You will find then that at some point her degraded signature
My grandmother got an LPA by my mother and uncle, she's not doo-lally, but is quite ill and wanted things looking after for her. The banks were very difficult. Signed letters all over the place before anything could get done, and they kept fucking about. Harder still that my mother lives nowhere near her (although her uncle does).or mistakes
made on cheques will trigger a failure and they will then bounce any and
all transactions until you register an LPA with them.
Even then after registering the LPA some banks can be complete bastards
and demand a letter from the GP *in addition* to the formal LPA.
Why on earth should the bank be looking out for it? It's absolutely nothing to do with them and they should keep their noses out. Relatives should notice the signs and get an LPA.Banks have a duty of care only to accept instructions from people who
have mental capacity. They are the first line of defence against fraud
by carers and dodgy tradesmen.
So you handed the cheque to the wheelclamper and he unlocked it without looking closely?Also the amount to pay would be in Pounds, Shillings and Pence.
I once avoided a wheel clamp fee by writing last years date on the
cheque. The bank spotted it and returned the cheque. The wheel clamper
didn't have my address. Win, win.
If it was 2006, easy enough to loop the 6 to make an 8 anyway.I once found a cheque I had failed to pay in for nearly two years. I waited until just after it's second 'birthday' and paid it in with no trouble.
Relatives are amongst the most likely people to be financially abusingWhy on earth should the bank be looking out for it? It's absolutely
nothing to do with them and they should keep their noses out. Relatives
should notice the signs and get an LPA.
She already has the goods. If the bank don't cash the cheque I don't
get the £11. I wouldn't bother going back to get another cheque off
her for £11.
So what are you expecting the bank to do, considering you said that "Only the person themselves can get an LPA"?Relatives are amongst the most likely people to be financially abusing
someone in that position. Some of the worst cases are where the
relatives are completely out of the picture.
Only the person themselves can get an LPA and they have to have
appropriate mental capacity at the time to do so**. People with
dementia can be very resistant to releasing control, both at the LPA
creation stage and the bringing into effect stage. Relatives can be
afraid of going through the process of telling someone that they should
no longer be allowed to make financial transactions.
Also, there is no legal requirement for banks to stop acting on cheques
because an LPA has been brought into full operation++. They do so
because they treat that as an indication that their client no longer has
the mental capacity to make transactions safely.
** The mental capacity required depend on the task in hand. The
capacity of someone with dementia can be higher at some times than
others. It may be possible to make a valid LPA at a time when it would
not be safe to make large financial transactions.
++ My specific experience is with EPAs, where there they could only be
used once capacity was lost.
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