Money
Retirement
Court of Protection - Heather Bateman's story, part one
Heather Bateman had to run the family finances after an accident left her husband in a coma; and thanks to the Court of Protection, three years of pain and misery followed
I shake as a large white envelope slips through the letterbox. My trembling fingers pull at the flap. I'm a grown woman with a family. I have done nothing wrong yet these letters make me feel like a criminal or a helpless child. The letters are from the Court of Protection.
Never heard of it? Lucky you. I hadn’t heard of it either until the moment when my whole life fell apart. In September 2003 my husband Michael walked across a quiet country road towards me and was hit by a car. He fell to the ground and never stood up or spoke a word again. In hospital he collapsed into a coma. The three-year nightmare began.
As well as experiencing the horror of seeing the energetic man I had loved for more than 30 years rendered immobile and lifeless, I had to deal with the everyday aspects of having a large family of two children, four stepchildren and six step-grandchildren. And I had to deal with the Court of Protection.
Michael and I were two independent working people. We had been married for 28 years. We had written our wills, both our names were on the deeds of the house we shared in London and the Norfolk cottage we had renovated over the years. We had separate bank accounts and most of the bills were paid from Michael's account. Now, to continue living in the way we always had done, I needed to access the money in his account.
Michael had been moved to the Intensive Care Unit at Addenbrooke's Hospital in Cambridge. "You need to get the right forms," the man at the Citizen's Advice Bureau at the hospital told me. "Where do I get the forms?" I asked. "From a solicitor," he replied. "There are plenty of solicitors in Cambridge."
I was in shock. I had witnessed the accident. I had seen the car knock Michael to the ground and I had held his hand and talked to him on the horrendous journey to the hospital. For as long as possible, I put off getting the forms.
The solicitor’s office I chose was Dickensian. The clerk, almost as ancient as the decor, handed me some forms and said, "Fill these in and get your husband to sign here."
I burst into tears, the first I had shed since the accident. And, once I started crying, I couldn't stop. The clerk looked at me uncomprehendingly.
"He can't sign," I sobbed. "He's in a coma."
"Then you need the Court of Protection," he said. I heard those words for the first time, words that represent an institution everyone should know about.
The Court of Protection brought me almost as much anger, grief and frustration into my life as the accident itself. Over the years that followed Michael's accident, I had to learn to accept a new reality, to settle into a different way of life. This I did gradually, lovingly, in my own way, feeling my energy and life-force change and keeping the family together.
But parallel to this I had to come to terms with the Court of Protection, an alien, intrusive, time-consuming and costly institution, which was completely out of tune with what we were going through. For almost three years it ruled my waking moments and my many sleepless nights.
We are advised to take out this insurance and that insurance but hardly anybody tells us to take out Enduring Power of Attorney, which enables a person to appoint another to manage their financial affairs when they may be unable to act for themselves. Yet, in a case like ours, this is the only way to avoid the Court of Protection, also known as the Public Guardianship Office.
What is the Court of Protection?
There are 55,000 clients registered with the Court of Protection, all so mentally incapacitated they are considered unable to act on their own behalf with regard to their finances. Because they have not granted Power of Attorney to anyone else, their affairs are placed under the jurisdiction of the court. The court appoints a Receiver to act on the client's behalf in the everyday running of his or her affairs, and the receiver is answerable to the Court.
I had to apply to become Michael's Receiver, that is, I had to apply to the court to act on his behalf in carrying out the everyday financial matters of the life we had always lived. To become his Receiver, I had to fill in complicated forms, detailing every aspect of our lives. I also had to give notice to my children and stepchildren of my application. A Receiver can be a close family member or – where there is no suitable relative – a stranger or an organisation, such as a solicitors' office. But in its treatment of Receivers, the court does not distinguish between a close family member or a virtual stranger.
Who is the court protecting and from whom? As the weeks and months went by it became clear that the Court of Protection's primary role was to protect my husband from me. I was doing all I could to look after Michael and to keep our lives in some kind of order. The Court was doing everything possible to place itself like a wedge between him and me, in order to protect itself from any accusations of wrongdoing should he ever "wake up".
To perform this unwanted task, the unwieldy organisation stepped into my life and took away my adult independence. The tone of the letters and the restrictions on how much and in what way our money could be spent undermined my freedom and self-respect. And if I did not do everything I was told to do, I could lose the right to be the Receiver. An unknown person could step in and take over our accounts and the running of our lives.
