Forgotten Pin Number

[foxyferret]

My mum is 95 and just recently has forgotten her pin. She is with Lloyd’s Bank so I checked online and they will send another one. Now the problem is that mum is housebound and could not possibly get to a cash machine (this is what you have to do) to activate a new PIN number. She is not on the internet and likes to receive her statements through the post. I do not have power of attorney but intend to call the bank tomorrow to see what they suggest in general terms. I thought about setting up an online account for her but then everything would come through me and neither of us would want that. Any ideas meanwhile? Thanks

[foxyferret]

Purdue, my mom is fiercely independent and hates asking anyone for anything. I think she thinks the postman might feel he is being taken advantage of. She didn’t want him to collect her pension at first but had to give in as there was no one else.

[Prudie]

I understand that but is he not going to get it for her anymore because if he is he will need to know the PIN's been changed anyway surely?

[foxyferret]

She hasn’t asked for a new pin yet, I will talk to her tomorrow, you never know, it might have suddenly come to her.

[ubasses]

Just get her to ask for a reminder of her pin, at the same time get them to send her the mandate. If she doesn't want to use it at the moment it can be held until required, then submitted. It will make your life easier.

[Baldric]

As someone said earlier, surely he must know her Pin.

[rockyracoon]

Sorry to be thick. But couldn’t she ask the postie what the PIN is? He must know if he uses it.

[Bazile]

@1440 & 1434

Indeed

[Jackdaw33]

If she hasn't for a new PIN just ask for a reminder of the old one. Problem solved.

[Bazile]

^^^
Another indeed

[foxyferret]

The postie does not collect her pension every single week as sometimes she lets in run on for a bit. She gives him her card and pin inside an envelope, I suppose it might be worth asking if he remembers it, but obviously cannot guarantee that he will. I’m sure when the bank opens tomorrow we will be able to get a reminder. I only asked today because she is very old and panicking and I wanted to reassure her. Thanks to you all, appreciate your reply’s.

[Bazile]

Just as a matter of interest
The postman collects her pension using her card and pin

What protection has he got if for some reason there was any question as to any irregularities with her account .

Has he got a written instruction from her authorising him to use her card and PIN

In the old days of pension books, you could sign the back of the pension counterfoil authorising someone else to collect your pension and giving them identification to take to the PO with them