My husband was diagnosed with Lewy Body Dementia. I have had to take over the finances due to the fact that he put is in serious financial crisis. I have all the credit cards, but he can still go to any store and say he forgot his card, and they can bring up his account and make his purchase. I have called the credit card companies and have gone to the stores he usually goes to, but no one seems willing to help me. I have shown them my DPOA that covers financial, as well as a letter from this Dr. regarding his mental decline. The stores and banks don't seem to care, they seem like they want you to get in debt up to your eyeballs, so then they can harass you with letters and phone calls for not being able to pay your bills. I need help, but no one seems interested in helping. Does anyone have any suggestions?
omg, I am a terrible person, dancing as fast as I can.
The guilt, the imbalance has me allowing him benefits above and beyond his share or what he earns!
So, that if I had a rep-payee like he does, the rep-payee would never allow my Soc.Sec.
to be used for his benefit. My bad.
That is why I have called dH a "wide receiver of life".
It seems that I am too soft, an easy mark, subject to being used.
I see this as my fault.
Reviewing our marital budget A G A I N !
For once you get all those accounts worked out... really been a boon to my peace of mind.
Set up an account with a few hundred, with a debit card. If he has memory problems he will likely forget the pin number anyway - this is why he is using the credit card as a debit - he doesn't have to remember any numbers with the credit card.
Will he forget?
Then, stop banking online where he can log into. Hide all your information from him.
File a security freeze regularly (lasts 90 days), and change your passwords often.
Open a P.O. Box and forward all your banking.
Buy gift cards, Amazon cards, Starbucks cards for his use, give him a little cash regularly without him asking. Buy them at the store, not online. He may still balk, but you are doing everything you can for him. Be generous, consistent, and kind.
Still, you will be viewed as the bad guy, so Chill!
Give him a debit card with a fixed amount of cash each month, say $50.