Hopes for caregiver to get access to husband's funds

TELL Claudienne

Claudienne Edwards

Sunday, September 09, 2018

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Dear Claudienne

I am writing on behalf of a friend. Her husband is the sole signatory to an account held at the Bank of Nova Scotia.

However, due to ill health he has been unable to access the funds held there. He also suffers from Alzheimer's disease as well as other conditions which have rendered him basically bedridden.

He has mounting medical bills and neither his wife nor daughter cannot access the funds that are in the account to help with these bills.

What can be done and how can they proceed to have this sorted out for the mutual benefit of all, especially the husband.


Dear PW

Tell Claudienne has been in communication with Scotiabank and we note that they contacted you for more details in regard to your friend's husband's situation.

In an e-mail sent to Tell Claudienne, Scotiabank has explained how your friend must proceed to gain access to her husband's bank account.

The e-mail states:

“We appreciate the opportunity you have afforded by bringing this matter to our attention. Upon receiving this letter, we reached out to the author to get further details, and was advised that he had referred the customers' caregiver to his branch.

Dementia is a most unfortunate disease. In the case mentioned, the customer was unable to access the account due to the progression of this disease. As he is the sole owner of the account, no one else would be able to access the account.

In these cases, the bank would require the following:

• A Court Order obtained under the Mental Health Act which indicates that it has been proved to the court that the customer is no longer mentally capable of handling their affairs and the court has therefore appointed someone else as their representative.

• Proof of identification of the representative named in the court order

It is also important that the caregiver seek legal advise in this matter.

We thank you for allowing us to respond to this query.”

We wish you and your friend all the best.


Dear Claudienne

On July 1, 2018, I watched the World Cup football match between Croatia and Belgium at the Anybet branch at 2 Modyford Road, Kingston 11.

At the end of regulations time (90 minutes), the score was 1-1. Around 10 minutes into extra time, the manager for the location came outside to where the customers were sitting. He always comes out to communicate with the customers and also sits with us. However, on this occasion he came out and told us that ANYBET was offering 10/1 ($10 to $1) if no more goals were scored in the match until the PENALTIES SHOOT-OUT. After his statement, everyone in the shop, including me, bought bets on the match and our tickets stated just how we wanted it “90m 1-1 first goal 0 until penalties”.

However, When the game ended just like we had predicted (and our tickets reflected this), we could not collect our dividends as the Anybet system read, “ NO RESULTS FOUND “.

Every customer in the betting shop then realised that something was not right as in normal circumstances the Anybet system would point out where the ticket lost or would clearly state that the ticket was a winner.

The manager of the shop who had also bet on the match called the Anybet head office to query our tickets.

He was told that we had lost and that if a goal had been scored we would have won. However, if a goal had indeed been scored, we would all have thrown away our tickets, that was our argument, as we had all bought the “NO MORE GOAL UNTIL PENALTIES” and that's what our tickets stated.

However, when we inserted the voucher numbers on our tickets to claim our winnings, the dividend stated, “ NO RESULTS FOUND “.

Nonetheless, over the next couple of days we still tried to claim our dividends but the system still continued to state on the slips “ NO RESULTS FOUND “.

I next called the ANYBET head office to query my winnings and was put on to a clerk who asked me for the barcode on my voucher. I gave him the barcode on the voucher and after I held on for a while, he told me to give him my phone number and he would call me back in about five minutes. He never called me and when I spoke to him the following day he again promised to call me back. However, he never did.

I then called the Betting Gaming and Lotteries Commission (BGLC) as I wanted them to look into the matter. I was told to make my complaint in writing.

I went to the BGLC with my written query and the clerk who took my complaint also photocopied my voucher. I called him several times after a week but never got through to him, neither did he contact me.

On Auugust 22, 2018 I received an e-mail from BGLC. It stated that my ticket was not a winner. However, the BGLC findings was that “no goals had been scored in extra time”.

I had made the bet stating that “no more goals will be scored until penalty shoot-out” and that is exactly how the game went and that is what was stated on my ticket.

I would appreciate your help as I would like to get a more detailed explanation from the BGLC as to why I was not a winner.


Dear BW

Tell Claudienne asked the BGLC to investigate your complaint and received the following e-mail from the Commission on Tuesday, September 4, 2018:

“We write in response to your e-mail of August 29, 2018 requesting that we investigate the complaint by BW against Post to Post Betting Limited “Anybet”.

On July 13, 2018 BW visited the offices of the Betting Gaming and Lotteries Commission (BGLC) and lodged a complaint against “Anybet”.

BW's complaint was that he was not paid by Anybet located at 2 Modyford Road, Kingston 11, for bet purchased.

The matter was investigated by the BGLC and the outcome was communicated to BW in a letter dated August 22, 2018. Our investigation revealed that:

(i) The World Cup match was between Croatia and Denmark and not between Croatia and Belgium as stated in his e-mail dated August 21, 2018;

(ii) A copy of the ticket which is attached and confirms the teams in the match as well as the bet bought by BW notes “First Goal Method O Penalty”. This means that the bet purchased was that the score in the match being 1:1 at the regulation time (90 minutes), the first goal to be scored in extra time would be by way of penalty kick and the odds given for this to happen was 10:1;

(iii) The reality was that no goals were scored during extra time;

(iv) BW, however, appeared to have misunderstood his bet and was under the impression that the bet he had purchased was that the score being 1:1 and the regulation time (90 minutes), there would be no goals scored in extra time and the game would go to penalty shoot-out.

The BGLC having sought an explanation from Post to Post Betting Limited “Anybet” in relation to the matter (copy of their response is attached) and having considered the facts, concluded that the bet purchased by BW was for the first goal to be scored in extra time to be by way of a penalty kick. That did not happen and as such it was a losing bet.

Trust that our response has fully explained the reason that BW's bet was a losing bet and was not eligible for a payout.”

Tell Claudienne notes that you are not in agreement with the BGLC's explanation and have decided to have the matter determined by the court.

We wish you all the best.

Have a problem with a store, utility, a company? Telephone 876-936-9436 or write to: Tell Claudienne c/o Sunday Finance, Jamaica Observer, 40-42 1/2 Beechwood Avenue, Kingston 5; or e-mail: . Please include a contact phone number.

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