Well Done Nat West Bank

Post by **Oscar Namechange** » Fri Oct 17, 2014 8:29 am

To cut a long story short... the elderly friend we moved from London to Bath.

She has just one child, a daughter. All other living relatives are no more Including her husband.

A year ago, a tattoo'd **** witt with previous convictions for fraud met her daughter on the Internet and they married very quickly after. Her daughter has severe learning difficulties and needs protecting herself.

When we moved the old lady down, she gave her daughter £120,000 from the proceeds of the sale of the house In London. Immediately, the new son In law took control of this money claiming his wife didn't understand banking etc.

Then he made the old lady an appointment to make her Will and when the draft copy came through, we were horrified to see he'd named himself as sole Executor and the best bit, should anything happen to his new wife, even 20 years from now, he would still Inherit all the old ladies money.

We got her another appointment without her daughter and son In laws knowledge and the Solicitor told us how he sat over her and pressured her on that first appointment.

The will has now been changed to the firm of Solicitor's as Executors and he has been cut right out. If anything happens to her daughter, the PDSA get the lot.

Due to this first appointment, the son In law finds out she's been buying Bonds for the past 40 years so he makes her another appointment with her bank to find out how much these were worth. We stopped that also and my husband made a new appointment for her and rearranged her finances so her money Is working for her.

Prior to the sale of the house In London this year, the son In law was going to the old lady at least once a week getting her to withdraw large amounts of money that he's never repaid.. thousands In total.

Unbelievably, In just 7 months, he has blown the £120,000 on rubbish and living the high life.

Last night she phones me tells me the son In law made another appointment for her at the Nat West bank In Bath, picked her up and drove her down there, went to the cashier and told him to transfer £40,000 from one of her high Interest accounts to his.

Because of previous shannaagins, Nat West had put an alert on all her accounts and had her down as ' Vulnerable'. Immediately, the bank manager came out and ushered her Into a private room and asked her If she wanted to do this and she said no. He then dealt with the SIL making up reasons why this couldn't be done.

My husband Is with her right now at the bank with the manager to put measures In so this can never happen again.

What an absolute scum bag ! But well done Nat West !!!

Snowfire · Post by **Snowfire** » Fri Oct 17, 2014 9:03 am

Its great that the bank has a system in place to flag this kind of thing up. Do they have anything in place to deal with this arsewipe... I have !

Post by **Oscar Namechange** » Fri Oct 17, 2014 10:07 am

Snowfire;1466299 wrote: Its great that the bank has a system in place to flag this kind of thing up. Do they have anything in place to deal with this arsewipe... I have !

I'm with you. I've considered going to the police but not sure If they can do anything. She's told us, he frightens her and Intimidates her and finds him controlling and bullying.

My husbands just phoned me after leaving the bank with her and the Manager and financial adviser sat with them for over an hour and talked It all over. What the bank has done, Is got her to Invest In more Bonds over a period of 4 years so that'll will protect her for 4 years from him and working out what she's likely to need, cash wise because all her bills are paid by direct debit and they have a withdrawal limit of £1,000 In case she has emergencies etc. Any attempt to withdraw or transfer more than that, will need a co-signatory from the bank manager and any attempts to transfer large amounts will go straight to Head Office. Apparently, on the way home, she's very happy with that arrangement.

It's unbelievable that this thug has known the old lady less than two years and he's already blown £120,000 In just 7 months and now thinks he has a right to more. Bearing In mind, her and her late husband worked full time for 25 years to pay that mortgage In London so her and her daughter would be protected In their old age and he's blown It on crap and buying gold rings and chains for himself.

FourPart · Post by **FourPart** » Fri Oct 17, 2014 10:41 am

Is it possible to nominate the solicitors as Trustees, and therefore taking the onus of responsibility out of her hands.

Post by **Oscar Namechange** » Fri Oct 17, 2014 10:57 am

FourPart;1466303 wrote: Is it possible to nominate the solicitors as Trustees, and therefore taking the onus of responsibility out of her hands. It's possible Yes and not a bad Idea.

Her Son In Law not that long ago was talking about getting power of attorney over her and we put a stop to that also.

Don't worry, me and Peter keep a very close eye on her.

FourPart · Post by **FourPart** » Fri Oct 17, 2014 11:04 am

Of course, there should also be an Independant 3rd Party with Power of Attorney as well (something you might be able to do), so as to boycott any intimidatory measures to nullify the Trusteeship. Of course the Solicitor would know the ins & outs of things.

Post by **Oscar Namechange** » Fri Oct 17, 2014 11:09 am

FourPart;1466312 wrote: Of course, there should also be an Independant 3rd Party with Power of Attorney as well (something you might be able to do), so as to boycott any intimidatory measures to nullify the Trusteeship. Of course the Solicitor would know the ins & outs of things.

It's actually not a bad Idea. She needs protecting from him. I'll ring her Solicitor Monday morning and have a chat with her about what's happened.

Luckilly, she tells me everything and we have been able to put a stop to much of It.

Post by **LarsMac** » Fri Oct 17, 2014 1:46 pm

Oscar Namechange;1466313 wrote: It's actually not a bad Idea. She needs protecting from him. I'll ring her Solicitor Monday morning and have a chat with her about what's happened.

Luckilly, she tells me everything and we have been able to put a stop to much of It.

The Wife and her sisters had to set up something like that with their older sister's bank, as one nephew was taking advantage of her.

Post by **Oscar Namechange** » Fri Oct 17, 2014 1:54 pm

LarsMac;1466336 wrote: The Wife and her sisters had to set up something like that with their older sister's bank, as one nephew was taking advantage of her. I just don't know how people can do It Lars, I really don't. Hearing more tonight on the subject, the bank manager told my husband that when he took the old lady to a private room yesterday, the SIL followed and said he was going In with her. He said ' oh no, you're not' SIL said ' I am, I'm family' but the manager made mincemeat of him.

I'm going to write to the Bank's HQ Monday... Praise where praise Is due... today, they have alerted every single member of staff In that bank that no transaction goes through until the manager has been Informed and he deals with her only and also they have put every member of staff on high alert at the Bank's other branch In the town In case the SIL takes her there to avoid them.

gmc · Post by **gmc** » Sat Oct 18, 2014 1:52 am

You need to talk to he solicitor about set up power of attorney now while she is still in command of all her faculties. Also guardianship for the daughter if she has learning diffuculties. Being brutally realistic she will outlive her mother and be at this man's mercy. You can't accept power of attorney just think how that would look it would be open to challenge by the son in law.

Post by **Oscar Namechange** » Sat Oct 18, 2014 5:25 am

gmc;1466363 wrote: You need to talk to he solicitor about set up power of attorney now while she is still in command of all her faculties. Also guardianship for the daughter if she has learning diffuculties. Being brutally realistic she will outlive her mother and be at this man's mercy. You can't accept power of attorney just think how that would look it would be open to challenge by the son in law.

Good thinking. I am ringing her solicitor Monday and I'll raise that. The son In Law has convictions for fraud which surely makes him totally unsuitable to be In any position to handle any of her affairs. Also some money seems to be missing from her Current account so they changed her password again In the bank.

Her daughter Is totally bullied and controlled by him and It's horrible to watch. She's never allowed out on her own, can't have girlfriends and has to ask him for every penny. He met her on the Internet two years ago and frankly, he just got lucky. She's easily bullied and he got lucky that her Mother had so much money.

Post by **Oscar Namechange** » Sun Oct 19, 2014 4:28 pm

Today, I feel I had no other option but... tonight I called the police In.

Please tell me someone that I've done the right thing... although plod has assured me I have.

My husband laid Into the son In law today when he said his £120,000 had run out and the old lady ' will just have to help him out because It's his Inheritance after all'... he has no Idea still, she changed her will totally excluding him.

My husband ripped Into him today and It had absolutely no effect. His attitude Is, she doesn't need the money.

We just don't know what else to do to protect her.

I am phoning her bank and solicitor In the morning because after bank staff foiled the attempt to transfer the £40,000 Thursday, he's got wise and Is asking her for £1,000 a time... he will do this every week until he's bled her dry.

I've got officers coming round tomorrow night to offer us some advice.

FourPart · Post by **FourPart** » Sun Oct 19, 2014 10:25 pm

Unfortunately, I feel that unless she is the one to lodge the complaint, there is nothing they can do.

Post by **Oscar Namechange** » Mon Oct 20, 2014 6:35 am

FourPart;1466514 wrote: Unfortunately, I feel that unless she is the one to lodge the complaint, there is nothing they can do. I had that feeling also but apparently not.

They are sending officers tonight to talk to us and I've spoken to her bank again this morning.

Post by **Oscar Namechange** » Mon Oct 20, 2014 12:36 pm

FourPart;1466514 wrote: Unfortunately, I feel that unless she is the one to lodge the complaint, there is nothing they can do.

Well, I didn't hold out much hope and just hoped to get some advice.

Two very helpful police officers just left my house and there Is a lot they can do and are going to do. There's always a paper trail !!! First thing I was ever taught In Accountancy...

All I'll give away Is that given the enormous amount of money Involved, they are going to her bank, her solicitor etc etc and they will protect her !!! He won't have a clue... It will all be done without his knowledge so as not to cause the old lady problems with him.

Great news !!

FourPart · Post by **FourPart** » Mon Oct 20, 2014 11:34 pm

Sounds like a result - although I suspect that if he hadn't already got a similarly related criminal record they wouldn't be so likely to take quite so much interest.

Post by **Oscar Namechange** » Tue Oct 21, 2014 6:02 am

FourPart;1466583 wrote: Sounds like a result - although I suspect that if he hadn't already got a similarly related criminal record they wouldn't be so likely to take quite so much interest.

It has nothing to do with It... It's about protecting her first and fore most.

Her Bank Is on high alert and they don't know of his past. The Solicitor was deeply concerned at how he pressured her over the will and she doesn't know of his past.

The bank. the solicitor and us present a situation where she's vulnerable and don't forget, one duty of the police Is to protect the public.

I'm actually dashing out now to the old lady. She rang last night crying and shaking... you will not believe what that SOAB has done to her now.... back later when I've reassured her.

Post by **Oscar Namechange** » Wed Oct 22, 2014 7:50 am

gmc;1466363 wrote: You need to talk to he solicitor about set up power of attorney now while she is still in command of all her faculties. Also guardianship for the daughter if she has learning diffuculties. Being brutally realistic she will outlive her mother and be at this man's mercy. You can't accept power of attorney just think how that would look it would be open to challenge by the son in law.

I doubt If her Son In Law would get POA with fraud convictions.

Anyway, after marching her In the bank for £40,000 last Thursday, we sat down on the Friday with her bank manager and re-Invested more floating money Into more Bonds. This will protect large amounts being handed over at least for 4 years. What's left In her current account Is enough to pay all her outgoings each month.

On Sunday, my husband had words with him and explained what had been done and explained that what Is left In the Current account Is what she needs to pay utilities etc.

So It was no co-Incidence when she rang In floods of tears Monday to say that he had told her he was moving her Into Council Sheltered Accomodation. Ridiculous !!! First of all, she wouldn't get Council SA given the huge amount of money she has.

My husband asked him what he was playing at and he said that It was drastically reduce her outgoings each month.

It doesn't need brain of Britain to work out what he was thinking after that conversation Sunday... move her to Council SA where all her utilities would be Included In a cheap rent, freeing up the thousands In her Current account for him. Then he could tell her, she doesn't need this money any longer.

We put a stop to It and Friday morning because she's worried what he'll try next, we are sitting down with her solicitor to discuss appointing us as her Trustee's which would mean everything and anything he tried In the future would need a signature from both of us. We also think this Is another of his steps to getting Power of Attorney over her.

It's like If she wants a bit of shopping. Despite her being able to walk to the local Co-Op herself, he will Insist on taking her and using his credit card to pay for her groceries and her to repay In cash. Thus, he has evidence he could present to show he's having to shop for her. All these things he does Is designed to make her look Infirm.

We've put a stop to this also...

The police have been marvellous... had an e mail last night saying the officers had made a referral to their Safeguarding department for both the old lady and the daughter..

Post by **LarsMac** » Wed Oct 22, 2014 5:18 pm

Where I grew up, we would take a guy like that out to the swamp for a gator hunt.

Post by **Oscar Namechange** » Thu Oct 23, 2014 7:43 am

LarsMac;1466686 wrote: We I grew up, we would take a guy like that out to the swamp for a gator hunt.

My feelings also Lars.

In Fact, the other night, while I was on the phone to the police officer, he was looking at his criminal convictions and told me that obviously he couldn't reveal that Information but Ideally, he said he'd very much like to see him banged up Inside for a few years.

Had a phone call this morning from Social Services In Bath after the police called them In. They are appointing her a social worker and are working with the police to build a case but more Important, ways of protecting her further.

Post by **Oscar Namechange** » Fri Oct 24, 2014 7:10 am

Sorted.

Just spent the morning at the Solicitors with the old lady going through all the options.

She suggested to her that If she appointed a Power of Attorney now, then god forbid, If she had a stroke or something, the son In law has nowhere to go.

So she appointed myself and my husband and the documents are being drawn up for registration.

She carries on with life just as normal but just means that If In future years she does become a victim of dementia, she Is protected.

Also Social Services rang today and they are putting In a protection plan for her.

FourPart · Post by **FourPart** » Fri Oct 24, 2014 10:15 am

It wouldn't surprise me if the SiL now shows his true colours & walks out on his wife once he realises the honey pot is empty.

Post by **Oscar Namechange** » Fri Oct 24, 2014 10:52 am

FourPart;1466743 wrote: It wouldn't surprise me if the SiL now shows his true colours & walks out on his wife once he realises the honey pot is empty.

It's funny you should say that because all 4 authorities Involved In the protection plan they are drawing up for her, ie the bank, the police, social services and her solicitor, all believe the exact same thing.

He was up In court this morning on Illegal firearms possessions. He's been found guilty and Is being sentenced next Friday.

All that matters Is she Is protected whatever. I really have to commend the police who acted so quickly calling In Social Services and being part of the ongoing protection team. Credit to all concerned.

Post by **Oscar Namechange** » Sat Nov 22, 2014 3:25 pm

Update

The Power of Attorney has gone through, It means that we don't control her life but can at least keep a close eye on her and god forbid, If she had a stroke or something, we can block him.

However, It may not be needed.... you couldn't make this up.

Three weeks ago he appeared before the courts for having guns he shouldn't have. The Judge gave him a suspended two year prison sentence.

Did, he behave himself ? No... police are now Investigating reports of him firing a starting pistol ( legal ) out of his lounge window at small children calling for Halloween.

This week he was arrested again for throwing a metal pole at his neighbour. Something he denied to police but then they obtained cctv footage of him doing It from another neighbours house.

Also last week, he was hauled In by the DSS. They have stopped all his benefits as they have the evidence also that he was running a business from home. The big crime was claiming housing benefit and welfare having not disclosed to them he had half of the proceeds from the sale of the old lady's home In Westminster. So In Interview under caution, how does he try to squirm out of It ? He tells them that It was actually a mistake on behalf of her solicitor who had accidently paid half the proceeds Into his bank account... oh right and how did a solicitor In London, miles from his home know his account details to do that ? The Info has now been passed to the DSS fraud squad and they are prosecuting him.

It doesn't end there.... tonight we get a frantic call from him to say that CID police have just left his place after the social worker we got the old lady had called them In. He's been told In no uncertain terms tonight that plain clothes are watching him and he Is not to approach the old lady for any more money or they'll make a case.

I think that's what you call, game set and match.

FourPart · Post by **FourPart** » Sun Nov 23, 2014 3:23 am

I'm not 100% certain on the terms of a Suspended Sentence, but I was under the impression that it meant that if he was to get into further trouble within a certain time (sentence of 'x' years suspended for 'y' years), then the sentence would automatically default to the initial 'x' term to be served in custody.

Post by **Oscar Namechange** » Sun Nov 23, 2014 7:37 am

FourPart;1468113 wrote: I'm not 100% certain on the terms of a Suspended Sentence, but I was under the impression that it meant that if he was to get into further trouble within a certain time (sentence of 'x' years suspended for 'y' years), then the sentence would automatically default to the initial 'x' term to be served in custody.

It simply means that the custodial sentence Imposed by the Judge ie two years In his case, comes Into effect the moment he's convicted of another crime plus whatever sentence Is given for the subsequent crime... he's ******