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I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
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V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Shut down however he is able to communicate. If that means he does without his iPhone for 2 weeks and nobody gets computer or laptop access for 2 weeks, so be it. You do a reset.
Dad is in a iRomance at best and could well be enmeshed in a pig butchering scam which is way more long range with the goal to drain all his resources. Sit and go through parents banking and CC for abt 2 years; and do a listing by date and amounts and where sent to; do it as a report because you are going to 1. file a local police report and 2. file a FTC consumer fraud & identity theft report and 3. an IC3 filing as well. www.ic3.gov. Doing all 3 is beyond super mucho importante because should your folks not have the $ to private pay for future care in a NH and apply for Medicaid, that $ as it was given freely by Dad can be considered gifting and places a transfer of assets penalty on their application. These reports enable the caseworker to deal with the penalty issues better.
Please pls pls realize that Dads personal AND financial details are now all exposed and likley have gone out to other types of scammers. All CC need to be cancelled asap. Mom can get a new one issued only to her. Run a report on the big 3 credit reporting agencies for both of their names and then place a freeze on the big 3 on them. If Dad is big personality and my way or the Hwy type and there is lots of $ sitting in their bank accounts you may have to do something dramatic… like you and mom go and open a new bank account that is only in moms name and you are a signatory (not owner) on and move all the $ you can to it. So that Dad has zero access and you monitor it regularly along with their old accounts regularly.
If y’all are hoping that any of this $ is coming back, that is not happening. He of his own free will gave that $ to the honey bunny…. who may be speaking to him under duress themselves. He was not held up with a gun, he on his own entered the info needed to do the pay pal / banking transfers.
Please pls PLEASE be wary of anyone who tell you they can recover any of this $. Ain’t happening. If you want more background on how all these scams, what to expect (for women it’s loneliness & for men it’s vanity & ego driven) and how to deal with them, go onto Reddit and the scam forum. It’s beyond common & it’s heartbreaking.
Fwiw your Dad if he’s like most just will not believe that he was and is being fleeced. It’s really hard for family to deal with this as it’s just so flat beyond frickin obvious that it is a scam. Good luck and try not to yell at him for being so stupid.
If Mom can get the cards frozen, then Paypal will not be able to use the card either. The transaction will be denied. But, I would call Paypal telling them the problem and the need to close the acct.
Kurtwe, welcome to the forum. Please fill out the profile to help us have a better idea of the situation, to help us answer your question.
Get new credit cards. Have Mom's credit card in her name be the limit she feels comfortable with. Get your Dad's credit card with a low limit that cannot be increased. Ask the bank to set his credit card with a limit of $300 for the month or whatever amount.
If your Dad isn't using credit cards but transferring money to other women's' bank accounts via PayPal, talk with the bank, explain the situation and see what they recommend. Maybe they can set a limit.
Can you close his Paypal account? Report that fraud is happening? Notify his bank?
"Lose" the credit cards (report fraud on them then they will shut down those accounts but may send new cards). Have Mom set up a PO Box and intercept the mail. Have Mom move most of their cash into their savings account so it is less accessible.
Help Mom create new portal logins so he can access them.
No one above age 65 should have someone their own age as their PoA. Are you a back-up? If so, do what it takes to invoke the authority sooner rather than later.
Geaton, what if the over-65's POA is their same-age spouse and primary caregiver? Not allowing the caregiver to have POA could be a serious issue if they can't access the money for the sick spouse's care. I'm just curious about how you would suggest handling it in such a case. (I'm DH's only caregiver and older than 65, and I would not be his caregiver if I didn't have POA. We planned it this way.)
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Dad is in a iRomance at best and could well be enmeshed in a pig butchering scam which is way more long range with the goal to drain all his resources. Sit and go through parents banking and CC for abt 2 years; and do a listing by date and amounts and where sent to; do it as a report because you are going to
1. file a local police report and
2. file a FTC consumer fraud & identity theft report and
3. an IC3 filing as well. www.ic3.gov.
Doing all 3 is beyond super mucho importante because should your folks not have the $ to private pay for future care in a NH and apply for Medicaid, that $ as it was given freely by Dad can be considered gifting and places a transfer of assets penalty on their application. These reports enable the caseworker to deal with the penalty issues better.
Please pls pls realize that Dads personal AND financial details are now all exposed and likley have gone out to other types of scammers. All CC need to be cancelled asap. Mom can get a new one issued only to her. Run a report on the big 3 credit reporting agencies for both of their names and then place a freeze on the big 3 on them. If Dad is big personality and my way or the Hwy type and there is lots of $ sitting in their bank accounts you may have to do something dramatic… like you and mom go and open a new bank account that is only in moms name and you are a signatory (not owner) on and move all the $ you can to it. So that Dad has zero access and you monitor it regularly along with their old accounts regularly.
If y’all are hoping that any of this $ is coming back, that is not happening. He of his own free will gave that $ to the honey bunny…. who may be speaking to him under duress themselves. He was not held up with a gun, he on his own entered the info needed to do the pay pal / banking transfers.
Please pls PLEASE be wary of anyone who tell you they can recover any of this $. Ain’t happening. If you want more background on how all these scams, what to expect (for women it’s loneliness & for men it’s vanity & ego driven) and how to deal with them, go onto Reddit and the scam forum. It’s beyond common & it’s heartbreaking.
Fwiw your Dad if he’s like most just will not believe that he was and is being fleeced. It’s really hard for family to deal with this as it’s just so flat beyond frickin obvious that it is a scam. Good luck and try not to yell at him for being so stupid.
Paypal 844-368-6633
Get new credit cards. Have Mom's credit card in her name be the limit she feels comfortable with. Get your Dad's credit card with a low limit that cannot be increased. Ask the bank to set his credit card with a limit of $300 for the month or whatever amount.
If your Dad isn't using credit cards but transferring money to other women's' bank accounts via PayPal, talk with the bank, explain the situation and see what they recommend. Maybe they can set a limit.
See Elder lawyer about splitting assets, to protect Mom's share.
"Lose" the credit cards (report fraud on them then they will shut down those accounts but may send new cards). Have Mom set up a PO Box and intercept the mail. Have Mom move most of their cash into their savings account so it is less accessible.
Help Mom create new portal logins so he can access them.
No one above age 65 should have someone their own age as their PoA. Are you a back-up? If so, do what it takes to invoke the authority sooner rather than later.
I would have my husband or brother call and make the needed changes. Know what I mean?
If that fails, your mom may need to divorce him to protect her share of the assets.