How is he going to get the money out
By suspenseful
@suspenseful (40192)
Canada
May 6, 2009 9:31am CST
AS I have said, we are going to renovate our house because of my husband's stroke, so he called the bank to ask them to transfer money from his savings account to the account he has in the credit union. But even with his stroke and his having arthritis so bad in his hands that his signature is not the same when he first signed the signature card since he has no control over his hand. He still have his right mind so that means power of attorney is out and since he did not sign it over to me before the stroke since he was not told he had altezimers, or was a candidate for one, that is out. The signature he has now might not be acceptable.
So this is probably what I will have to do, get him in the wheelchair, find two friends who will take him down the three steps to our sidewalk, get someone to take time off from work to drive us down to the bank, go in the bank, probably get a sample of his blood for the Dr. or get our Doctor to say that he is who he says he is, and also have my marriage license, passport, etc. to prove he is who he is.
I live in Canada and this is the Bank of Nova Scotia. Any easier way?
We are waiting for a phone call from his financial adviser.
5 people like this
13 responses
@suzzy3 (8341)
•
11 May 09
I am sure if you ring the bank ,get a letter from your doctors.I am sure they have a way of dealing with this.Just find out what it is.When I had an accident a few years ago the bank gave my mother a form for me to fill in while in hospital and she was allowed to draw on my money for me.It covered her bus fares as it was miles from our house she had to travel,plus Dads money could not cover all the extra expense of her travelling,ect.
2 people like this
@deebomb (15304)
• United States
6 May 09
I have juvenile Rheumatoid Arthritis and my hand writing has also changed since I first opened my checking account ands it is very bad some days. The banks don't always check to see if the signature on checks matches the signature on the card. I also know of a situation where a child signed her mothers name to a check and the bank didn't flag it. All this might depend on how much is being withdrawn too. Did he have to give some information that only he would know? Such as his mother's maiden name. I have had to give that kind of information before.
1 person likes this
@suspenseful (40192)
• Canada
12 Sep 09
I heard that the Bank of NOva Scotia is not that good. His sister said that she had trouble with it as well. Anyway we got the money transfer, but I might have to get Power of Attorney since my husband's hands are getting worse and he can not lift up his arms very high. I do not like to get it because I heard it is mostly when the subject is mentally deficient and my husband is not. And knowing me when they ask if my husband has altezeimers,when he does not, I am liable to snap at them.
@suspenseful (40192)
• Canada
12 May 09
He can sign a bit but he thinks the bank will not accept it. My handwriting has changed and yet they knew it was me, but here in Canada, the Bank of NOva Scotia is very fussy. We did get the situation straightened out and we got a bank draft, but he closed that account and transferred the money to the Credit Union where we have joint account.
1 person likes this
@hotsummer (13919)
• Philippines
7 May 09
yes, i think that will be the best way to get that money transferred to his credit union. i think that with the doctor's signature or letter telling that he had stroke will make the bank believe that he was the same person who made the sign on the paper before .
1 person likes this
@suspenseful (40192)
• Canada
12 Sep 09
He was able to get the money out. I was there, and he signed an X and I witnessed it. The next time, two of the staff signed and they advised me to get Power of Attorney. I had been hesitant of getting it because my husband is competent and he is not mentally deficient. It was not a stroke, the specialist thinks it is ALS and we are very sure of it and in ALS the mind does not go and the person remain cognizant to the end.
@sid556 (30953)
• United States
7 May 09
I am guessing that you are so over-reacting. I took care of my mom when she was bedridden. many times I used her card to make purchases for her. I actually signed and spelled her name wrong and it went thru! not once in all that time did anyone question me. I have a debit card that my brother and daughters have used...none were ever questioned. Odds are in your favor that you could use the card without any questions asked. Blood tests etc??? oh my god....that is too much...never heard of that being done.
1 person likes this
@suspenseful (40192)
• Canada
12 May 09
I thought the Bank was overreacting and I am sometimes a bit fastidious. But I would not be surprised that in the future, they may want a blood test to prove you are you. 
@scheng1 (24649)
• Singapore
7 May 09
Hi Suspenseful, I would call the bank, ask to speak to the Vice President or Branch Manager.
Since you are the customer of the bank, you deserve the best service, no point going all the way to the bank and find that the person who can make the decision is not in office.
Even if your husband cannot sign the cheque, ask the bank if he can use thumbprint instead. At least thumbprint is unique and cannot forge. Ask the bank to send representative to your house, threaten to complain in the national newspaper if they give you the cold shoulder.
2 people like this
@wildcat48 (779)
• United States
6 May 09
Well, I would think that his ID card with a photo on it and his social security card would be enough. And maybe to be on the safe side get some papers from the doctor stating he had a stroke and that his signature had changed some. Hopefully they won't have to draw blood or have your marriage license.
1 person likes this
@danishcanadian (28954)
• Canada
12 Sep 09
It is totally freaking crazy, the things we have to go through to prove our identities when we have totally legitimate reasons for the difficulties in our lives. My American husband and I (I'm Canadian) are going through some battles with government agencies and stuff on both sides of the border. I'd hate to think how much worse it could get if one of us had a stroke, or something.
@TheGreatWhiteBuffalo (4822)
• United States
6 May 09
There are many times when things are not easy, for the protection of the majority, you would think that the doctor would provide a form or statement that will expedite the process to be less of a burden on you.
After all these are agents for the government and one hand should know what the other is holding or doing.
We have similar issues down here in the States...
Your problem sounds all too familiar! 
1 person likes this
@suspenseful (40192)
• Canada
12 Sep 09
We have a lot of help here for those who are unable to care for themselves. We do have home care, and we are waiting for the tests to see what my husband has. We were able to get the money transferred as the Credit union knows my husband as he has been dealing with them for over 10 years, but we had to go there and at the time he only had his portable wheel chair, but it worked out all right.
@ElicBxn (64169)
• United States
7 May 09
a lot of times, when it is obvious that a person's sig has changed due to a medical condition, there's generally no major problem getting it accepted, he may have to go in, or if his voice is affected, he might just need to call and explain about his new medical condition
that's here anyway - really no idea about Canada, but here in the states they really don't look that close - especially since his ids should still look like him and genearlly speaking they won't release the $$ without them
1 person likes this
@dragon54u (31633)
• United States
6 May 09
My mother gives my sister power of attorney when she comes to visit me or my brother for a few months so that my sister can handle anything that might come up and require her signature. I never heard of not being able to grant it unless you are mentally disable. Aren't you a signer on the account? If not, you should do that while you're at the bank. I hope it's not going to be a lot of trouble for you and that you don't have to drag your poor husband all over town to solve this.
1 person likes this
@suspenseful (40192)
• Canada
12 Sep 09
He inherited the Bank of Nova Scotia from his mother.It used to be her account. Anyway it worked out all right. We do have a joint account at the Credit Union, but I am not on the shares only as a beneficiary. My husband is perfectly fine mentally and like you I heard you only get POwer of Attorney if the person is mentally unfit, but I was told at the Credit union that is not the only reason. My husband cannot lift his arms up high and now cannot even right. I have to hold up things for him to read and if he wants to read a book, we put it on the Ipod and it is easy to turn it on. I will look into the Power of Attorney bit.
@cynthiann (18612)
• Jamaica
6 May 09
This sounds such a hard thing to do. Surely the Bank can come up with an easier solution ? They should be able to circumvent the red tape on this problem, It never ends does it? The stress - I mean Blessings
1 person likes this
