I know dirtbags do.
Several years ago when parents were still getting around on their own, I helped them setup a bank account and have been paying their bills/other purchases out of that account for said length of time. My name is not on the account. I am not POA or SSRP. Just pay their bills and give them in hand what is left. But yesterday I discovered that live-in-sibling is trying to change banks and it is not a matter of if, but when.
Another stumbled upon piece of information during a visit. Sibling hurried the elder to their room, locked the door, and stuffed a piece of cloth underneath the door to muffle sounds. Elder began verifying information requested by agent. I kept hearing something about numbers and accounts so went upfront and grabbed another phone. I asked agent to allow me to explain to elder what was taking place to be sure it was understood and if that’s what was desired. If so, I’d make sure transaction went smoothly.
Needless to say, sibling was very unhappy and talking loudly over everyone to confuse the elder and perhaps the agent. Elder stated it was not understood and it wasn't understood in regards to the documents signed earlier at bank where sibling started the process of switching over.
I don’t know what to do. Elder gave permission for me to have POA and I considered that and SSRP but feel ? because I see what sibling does and don’t want to be accused of doing the same or of causing more grief. Of course, my reasons would be to protect.
Not only that, sibling is having the aides report back what they see and hear during our visits. I kid you not. Again heard during the visit as one of the aides hurdled in the room with live-in-sibling. At this point, I'd love to switch companies but lost my power to do so after quitting the job. APS is not making visits apparently and did not seem to have made a visit from first call.
What to do? What to do?
Do you think your sibling wouldn't pay their bills as you are doing?
Hence the reason I can't ask them for help.
With that being said, I was willing to hand finances over yesterday but had concerns. Siblings are evil and I don't know how I'd be able to continue making sure things got paid. Like now, most things are setup online. Once sibling takes over, I believe that would change and I'd no longer be able to even view.
I'm not trying to be the bill police. I say this because there were disconnections in the past on various utilities. The amount of money was the same amount sibling was receiving. The second reason I say this is because parents were losing their life/burial insurance because numerous loans made against the policies had gone unpaid so insurance company had terminated their policies. I had to catch up the loans before the policies got reinstated. I'm down to one now.
Doing it behind my back just sent those alarm bells off again and I believe it also has to do with this so called stimulus.
So it's not a matter of if sibling gets control but when.
Banks are pretty careful about who they allow to access an account. Even with a power of attorney, we've had issues getting access to bank accounts. Alert the bank that someone might be trying to close the current account.
DIverting the stimulus check away from the account where tax refunds have been direct deposited or the bank where the SSI check goes will be difficult.