Person using an elderly person's ATM account to withdraw €20,000

Everyone should keep an eye on their own accounts and the accounts of any vulnerable people. Given the exposure in current accounts to fraud you should only keep then minimum in your current, the OP could have taken steps to reduce the risk by ensuring than thousands of Euro were not left in the account.

Current accounts are not like credit cards if there is fraud the bank can as in this case the cardholder gave the PIN to someone!
 
That is a shocking tale from Delgirl.

Likewise with the OP's story. I hope it works out ok. Unfortunately, the money might not be recoverable. Seek legal advice regarding the liability of the care company providing the care.

Where you have money and vulnerable older people, there are rogue elements everywhere, be it neighbours, carers, family.
 
States ;

Now that (carer) has been rumbled, it is highly unlikely they will contact your mother.
Could you ask the Guards to request suspect to stay away from mother .

If she is capable of staying in her home ,with a bit of carers help , that is probably the best option.
The (carer) broke a position of great trust , but thankfully that type of (carer) is unusual.
 


While it may be unusual there have been a number of cases recently with significant amounts involved. The family will really have to take control of this situation. Often the very good carers will do some shopping, collect dry cleaning etc. for the elderly person. This is great once basic records are kept and the carer only gets what is spent against receipt. I would have no issue with them getting an extra 20/30 now and again to cover petrol and such. This should be supervised by the family and use of ATM cards by a carer is not on