T
Taylor1
Guest
My father developed Alzheimer’s disease in the late ‘90s.
In early 2003 my mother had him put in a home for the elderly and infirm (not a private nursing home).
In July 2003, with the help of my brother’s solicitor, she had him made a Ward of Court.
My father died in October 2006.
Recently, I discovered that my mother, again with the assistance of my brother’s solicitor, took out a Bank of Ireland Life Loan to the value of 25 per cent of the family home (about €70,000). ( a life loan is the release of equity on a property, all monies plus interest are recouped after the demise of the borrower)
I believe this happened before my father passed away.
All of this was done in relative secrecy; only recently have I found out about this.
In December 2008, my brother and I had a falling out. My mother took my elder brother’s side and had me thrown out of the family home. The locks on the door were changed. It was a nasty situation, and I was shocked at their callousness.
Though never a close family, this was very coldly done.
I had to seek a place in a homeless aid organisation.
I was amazed at the vehemence of the reaction towards me. Being the only unmarried sibling, I have lived in the family home all my life. And I have always paid my way and been no trouble at all.
I am a passive type of person.
That was when I started to investigate what went on with my mother taking out equity on the family home before my father died.
The money never really interested me before this happened.
Reading the terms and conditions of a Life Loan, I realise that a possible reason for their action was that the person taking out the loan should be the sole occupier of the property.
Clearly, this was never the case.
Now, I would like to check my mother’s will.
I would also like to know what happened to the €70,000.
The sum of money was NOT used for my father’s care; he was never in a private nursing home and his funeral expenses were minimal.
Has anyone any idea about the legality of all of this? Or, in a Ward of Court case, are the family protected against any misappropriation of monies?
I have written to my mother’s/brother’s solicitor, but he is stonewalling me.
As relations with my family have broken down beyond reconciliation, I wish to claim my shareof my inheritance, find closure and have no further contact with any of them.
Sad, but not a situation I created, or asked to be part of.
I feel like I'm in a legal limbo; I have no idea what has been done, or where I stand now.
Any advice would be gratefully received.
Thanks,
Joe
In early 2003 my mother had him put in a home for the elderly and infirm (not a private nursing home).
In July 2003, with the help of my brother’s solicitor, she had him made a Ward of Court.
My father died in October 2006.
Recently, I discovered that my mother, again with the assistance of my brother’s solicitor, took out a Bank of Ireland Life Loan to the value of 25 per cent of the family home (about €70,000). ( a life loan is the release of equity on a property, all monies plus interest are recouped after the demise of the borrower)
I believe this happened before my father passed away.
All of this was done in relative secrecy; only recently have I found out about this.
In December 2008, my brother and I had a falling out. My mother took my elder brother’s side and had me thrown out of the family home. The locks on the door were changed. It was a nasty situation, and I was shocked at their callousness.
Though never a close family, this was very coldly done.
I had to seek a place in a homeless aid organisation.
I was amazed at the vehemence of the reaction towards me. Being the only unmarried sibling, I have lived in the family home all my life. And I have always paid my way and been no trouble at all.
I am a passive type of person.
That was when I started to investigate what went on with my mother taking out equity on the family home before my father died.
The money never really interested me before this happened.
Reading the terms and conditions of a Life Loan, I realise that a possible reason for their action was that the person taking out the loan should be the sole occupier of the property.
Clearly, this was never the case.
Now, I would like to check my mother’s will.
I would also like to know what happened to the €70,000.
The sum of money was NOT used for my father’s care; he was never in a private nursing home and his funeral expenses were minimal.
Has anyone any idea about the legality of all of this? Or, in a Ward of Court case, are the family protected against any misappropriation of monies?
I have written to my mother’s/brother’s solicitor, but he is stonewalling me.
As relations with my family have broken down beyond reconciliation, I wish to claim my shareof my inheritance, find closure and have no further contact with any of them.
Sad, but not a situation I created, or asked to be part of.
I feel like I'm in a legal limbo; I have no idea what has been done, or where I stand now.
Any advice would be gratefully received.
Thanks,
Joe