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But someone made a comment that bank accounts can be tracked by the transactions and I want to tell you that that doesn't tell the entire story. My mother complains that someone took her money. I looked into it. She wrote two large checks to Cash that she signed. She took two big lumps of money from her account and doesn't seem to remember why or where it went. I kind of gather that she gave it to someone and I suspect I know who it was, but I just want to say that it's not as easy as just getting copies of the checks. I had her pay the bank the fees to get the backs of the checks to see the endorsements and it's not just her signature, but it really does look like her hand-writing. I could see if it was forged, but I'm pretty confident that she did do that and just doesn't remember. I think whoever it was was smart-enough to have her get the cash for them, rather than taking the checks and signing them, themselves, so that it would be hard to find out who it went to.
Unfortunately you have to grow thick skin and don't take it to heart...I just walk away and mubble under my breath "crazy lady"..
I approached her and asked what was going on? She said my sis' funds, my Aunt's, at the bank is getting smaller n smaller. ( It is worth abt $25,000). I asked, are you accusing me of stealing money from her account??? She said she's not accusing me...but obviously she is!!! I called my brother for a short meeting and we explained to her that any withdrawal is backed up by receipts. And only to find out later, that she was actually looking for the bigger sum, that we have investef to mutual funds. To be accused of stealing money is very upsetting, im still very upset.
My mom is 82, sound of mind and in good health. Nothing out of the ordinary for her age. About 5 years ago dad died and I pushed for her to draw up a power of attorney. They were both getting old.
Mom did all of this BUT, she made my brother her poa, executor of her will, put him on her checking accounts. Basically left me out of everything to do with her care. Why? She seems to believe I asked my dad for money at some point 25 years ago. This never happened and dad is dead so I couldn't ask him what was going on.
Over the past 5 years she has expanded on the lies to cover the initial lie. Finally, my brother forced her to make a new poa, with me as alternate, and at the last minute she wanted to put my nephew on as the alternate. A FU to me, once again.
My point is I understand your pain and embarrassment. I have stopped having anything much to do with my mother. In fact, she had a little health scare and I contacted her only a couple of times, very superficial.
My brother told me he was sad that mom and I have such a bad relationship but it was partially my fault. How is that I asked. Well, seems I told her I was mad at her for not paying for my college and not sending me to college. I never said anything of the sort.
Now either my mother is the meanest woman alive or she is getting dementia. My brother says she is sharp as a tack.
I know too well how much this has hurt you. I would talk to your mother before this becomes the awful situation I now have. And you have cared for her for the last ten years. This is just not fair.
I wondered two things for your mother: was there really an envelope with $20K? And if there was, where could she have hidden it that she can't find it? Sometimes my mother dreams or comes up with things that aren't true, but I can't convince her that they aren't. This made me wonder if she did have all the money -- it is a lot to leave lying around in a house if someone isn't rich. I'm not rich and I don't think I could even scratch up $1K, much less $20K. If she did have it, it's still around there somewhere. When my mother mentions something is mentioned, I ask her if she did something with it. Then I say, "If you didn't throw it away, and I didn't, it is around here somewhere." That calms her down. Your situation is a bit tougher. If you didn't know about the money, ask her how she was able to squirrel away so much and where she might have hidden it. That might get her thinking.