bigyetiman said:
Or if you haven't spent a substantial amount with anyone, why would you be expecting a sudden windfall for your bank account.
Having said that, my mum has absolutely no idea about banking etc, dad did everything in spite of the account being a joint one. Trying to explain she can take money out of it is ongoing. Watch this space. She would be easy to scam
At least I have got the ten thousand pounds that was around the house in envelopes safely in the bank. dad used to draw all the state pension out every week it turns out "that's my money not the banks" and put what they didn't use in a dated envelopes around the house, and in the family bible
My mum astonished us all when dad died 20 years ago. She'd never had a bank card (although their account was joint), cheque book or anything. She'd never paid a bill. My dad had just continued through their marriage to give her enough for the housekeeping. Of course, most of their married life, they had nothing much. Mum told me once that when they bought their house (for under £3,000 at the time!), the mortgage was £25 per month, and they were really worried they wouldn't be able to find that much every month! My dad worked two full time jobs for years, only getting home for his tea from the day job before going out again for his night job, getting home in the early hours to sleep, before doing it all over again! However, when dad became ill, eighteen months before he died, he made sure mum had full access to everything. And mum just got to grips with everything! She quickly became expert at sorting and paying bills, putting money aside each month for annual bills like Insurance, etc. To be honest, mum coped much better with dad's death than he would have done with her's!
Now though, mum would be vulnerable to being scammed. As she's disabled and can't get out by herself, and is now very frail physically, when the lockdown came in last March, she just gave me her Bank Card, and I do her shopping, get her cash from the Bank atm, order stuff online for her, etc. I get a receipt for absolutely everything, even though she keeps telling me not to bother with receipts and I suspect she just dumps them.
