Financial advice when your partner has cognitive issues post stroke

@vanliferforever

This is an awful situation to find yourself in, especially so soon after your partner’s serious brain haemorrhage. Even when someone looks physically well, the cognitive impact can be significant, and it’s completely understandable that you’re worried about decision making and the risk of losing the property.

For the pay monthly contract on the property abroad, you’ll need to explain to the seller or the company you’re buying from what’s happened, that you currently have no access to funds and can’t make the payments because your partner, who normally handles them, is unable to do so right now due to an unexpected medical emergency, and you can’t access his bank accounts. Reassure them that the payments will be made as soon as you’re able to sort things out. Most sellers or companies will offer some flexibility once they understand the situation, so it’s important to let them know as soon as possible.

Because you’re not married and don’t share an account, you can only manage his finances if a professional confirms he currently lacks capacity. If that’s the case, the next step would be applying to the Court of Protection for deputyship so you can legally act on his behalf. That process does take time, so it may help to think about whether there’s someone he trusts who could gently reinforce how important this is for both of you right now.

It’s worth speaking to his medical team about a capacity assessment. You’re both carrying an enormous amount, and none of this is either of your fault. Getting clarity on his capacity and keeping the seller informed gives you the best chance of protecting both the property and his wellbeing.

It might help to speak to Citizens Advice, as they can go through your situation and see if there are any benefits you could claim until your contract begins.

Take care, and I hope the situation becomes easier to manage very soon. x