Hi this is my first post and hopfully you can give me some advise. My mum lives in a coucil house which she has lived in for the past 60 years, about 6 years ago we thought it a good idea that my mum and us one daughter and two sons buy the house between us as my mother could not afford to buy this on her own as she was on income support. We all pulled our resources and managed to get together the £12000.00 required to purchase the house, which dose not sound like much but to us is quite alot of money. We all put £3000.00 each. Unfortunatly my mum has become very ill with dementia and has to go into care I have looked after her for the last 18 months and cannot carry on any longer I myself am 64. At the time we did not think about putting the house in all our names. Can you tell me if we have any options or will the house automatically be used to pay the care home bills.
Many thanks A.Fox

Hi, because your mum has an estate and has lost her mental capacity due to dementia, she can no longer sign or authorise any legal document. Your mums financial affairs now have to be registered with the court of protection at the public guardianship office, you can do this yourself and they will appoint a reciever who will act on your mums behalf, or you can seek the help of a solicitor which could be costly.

Sorry if i have not made myself clear , the question I am asking is the property belongs to the 4 of us we all bought the house between us, but we did not have any paperwork drawn up how do we stand in relationship to the property this was going to be our security.

hi again, whoever`s name is on the deed is the owner of the property, even if you funded the money, unfortunately word of mouth does not carry to much weight. I guess you funded the buying of the property with the view of inheriting it between you all, there is always a slight risk with any investment.

Would proof of the cheques which we all gave the solicitor a cheque each for £3000.00 not make any difference.

Hi, funding the buying of the property is not really the issue, that proves you all gifted the property to your mum and not ownership, your mum owns the property.