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If you think a carer is stealing from or mistreating your parent: what to do, and in what order

Finding money missing, or a bruise nobody can explain, is frightening, and it is hard to know where to start. There is an order that keeps your parent safe and keeps the facts clear for the people whose job it is to investigate. Make sure your parent is safe now, write down what you have seen, end the arrangement if you need to, report it, then protect their money and the house from here on.

By James Bowdler, founder of PrimeCarers  ·  Updated September 2026  ·  17 min read · See the steps in order

Part of our guide to private carers.

What to do, in order

Six steps, and why the order matters

This page is for a family who found a self-employed carer themselves, through PrimeCarers or elsewhere, and now suspect them of taking money or belongings, handling their parent roughly, or neglecting them.

  1. First, before anything else

    Make sure your parent is safe now

    • If someone is hurt, in danger, or a crime is happening, call 999.
    • If not, make sure somebody your parent trusts is with them or can reach them today.
  2. Today, while it is fresh

    Write down what you have seen

    • Dates, times and exactly what you saw or found, kept apart from what you think it means.
    • Keep bank statements, messages and photographs, and do not tidy anything away.
  3. As soon as it is safe to

    End the arrangement if you need to

    • The contract allows immediate ending for safety or serious misconduct, and a live-in carer can be asked to leave.
    • Change the key safe code and collect any keys.
  4. The same day if you can

    Report it

    • The council's adult safeguarding team, for any suspected abuse or neglect.
    • The police on 101 if a crime may have happened, and the bank if money is involved.
  5. This week

    Protect money and the house from here on

    • Cancel cards the carer could have used and ask the bank about extra safeguards.
    • Look at a third party mandate or a lasting power of attorney for the longer term.
  6. When the rest is in hand

    Find someone new, when you are ready

    • Check the next carer carefully, and know what the checks can and cannot tell you.
    • Write down what the carer will and will not handle, especially money.

Safety comes first because nothing else matters if your parent is at risk tonight. Writing things down comes before any confrontation, because a note made at the time is what the council and the police can act on, and a carer who knows they are suspected may move money or put pressure on your parent. Ending it and reporting it can happen on the same day.

This page covers one situation: a paid carer you arranged yourself. If the problem is lateness, a missed task or a disagreement about how something is done, handling everyday problems with a private carer is the better place to start. If you are worried about someone other than a carer, the signs of abuse and who to tell covers the council's safeguarding process in general, and scams aimed at older people covers money taken by strangers. The private carers guide explains how arranging a self-employed carer works.

A suspicion is not proof, and nothing here assumes the worst of carers in general. You are not being asked to decide whether this carer is guilty, only to keep your parent safe and pass what you know to the people whose job it is to find out.

The signs to note

The signs the official guidance describes, and what to write down

The statutory guidance to the Care Act 2014 lists the kinds of abuse a council must look out for, and the Social Care Institute for Excellence (SCIE) publishes the signs of each. None of them proves anything on its own. Each is worth a dated note.

Anything here that has started since the carer began is worth writing down

0 of 10 ticked

Money and belongings

Their body and their mood

Care that is not being given

The lists come from chapter 14 of the Care and Support Statutory Guidance and SCIE's types and indicators of abuse. The guidance says the signs do not prove abuse but show that a closer look may be needed, and that closer look is the council's job once you report it.

Some of these have innocent explanations. A bruise can come from a knock on a door frame, and a person living with dementia may put their purse somewhere new and forget. That is why you write things down with dates and keep your conclusions separate. Something that happens once may be nothing; something that happens every Tuesday the carer is in shows a pattern, and a note of each Tuesday shows it to the people investigating.

If your parent has dementia or confusion, what they tell you still matters, so write it down in their words. Whether they can take decisions about their money is judged one decision at a time, as mental capacity and how it is assessed explains.

Safe now, then write it down

What to do in the first few hours

The first few hours matter for your parent's safety tonight and for what the people investigating will have to work with. Two things come first: your parent's safety, then a clear written record.

What helps

  • Call 999 if your parent is hurt, in danger, or a crime is happening in front of you
  • Make sure someone your parent trusts is with them today, or can reach them, and that tomorrow's care is covered
  • Write down what you saw or found, with dates and times, as close to the moment as you can
  • Download or print recent bank statements, and keep texts and messages from the carer
  • Ask your parent, gently and once, what happened, and write down what they say in their words

What can make it harder

  • Confronting the carer on your own, if that could put your parent at risk or give them time to cover things up
  • Tidying, cleaning or throwing anything away that could matter later
  • Asking your parent about it again and again, which can distress them and change how they tell it
  • Promising your parent that nobody else will be told, when the council or the police may need to know
  • Waiting until you are certain, when deciding what happened is not your job

GOV.UK says to call 999 if a crime is in progress or someone is in immediate danger, and to call 101 or report online for a crime that is not an emergency. A carer hitting or threatening your parent, or refusing to leave the house, is a 999 call.

A note does not need to be formal. "Mum's purse had three notes in it on Monday morning, counted with her. On Tuesday evening it had one. The carer was the only person in the house on Tuesday" is more useful than a paragraph of worry. Keep the note, and any photographs of injuries or empty drawers, somewhere the carer cannot see them.

Ending the arrangement

Ending the arrangement, and what is still owed

You do not have to wait for an investigation to finish before you stop the care. The client contract between you and the carer covers what happens when an arrangement ends because of safety or serious misconduct.

Ending it straight away

Hourly visits
Allowed where immediate termination is required for safety or serious misconduct, instead of the usual 48 hours' notice
Live-in care
Allowed for the same reasons, instead of the usual notice period

The carer being in the home

Hourly visits
Tell the carer in writing that the arrangement has ended, and do not book further visits
Live-in care
The carer is there only with the client's continuing consent. For safety, serious misconduct or a breakdown in trust, the client can require them to leave

How quickly they go

Hourly visits
There is no next visit
Live-in care
The carer should make reasonable efforts to leave within a practicable time, allowing for transport and safety, and both sides agree to act reasonably

Payment

Hourly visits
Ending straight away does not cancel payment owed to the carer for work already done
Live-in care
The same

From the Termination of Agreement section of the PrimeCarers client contract, checked 22 September 2026.

Tell the carer in writing, by message or email, that the arrangement has ended with immediate effect, and keep a copy. The contract says notices are given in writing by email, WhatsApp or the chat on the platform. You do not need to set out the details, and if the police or the council are involved it may be better not to. A short, calm message is enough: "We are ending the care arrangement with immediate effect for safety reasons. Please do not come to the house again."

If the carer lives in, ask another family member or a friend to be there when you tell them, and to stay until they have gone. If the carer refuses to leave or becomes threatening, call 999. For hourly visits too, the usual notice periods give way where immediate ending is required for safety or serious misconduct.

The contract states plainly that "Immediate termination does not waive any outstanding payment obligations owed to the Carer." So hours the carer has already worked are still owed, even while you are reporting them. The pay is for work done, and a suspected theft is a separate matter for the police. If you want to try to get back money or belongings that were taken, a solicitor or Citizens Advice can tell you your options; PrimeCarers does not give legal advice. The full client contract sets out every term.

Who to report it to

Who to report it to, and what each of them does

More than one organisation may need to know, and they do different jobs. You can contact them in any order on the same day. None of them needs PrimeCarers to be involved before they act.

The council's adult safeguarding team

Contact the council where your parent lives now. Under section 42 of the Care Act 2014 it must make whatever enquiries it thinks necessary when it suspects an adult with care needs is being abused or neglected and cannot protect themselves. The Act says abuse includes having money or property stolen.

For any suspected abuse or neglect

The police

Theft is a crime, and so is assault. The statutory guidance says most financial abuse can amount to theft or fraud and is a matter for the police. Report on 101 or online, and ask for a crime reference number.

999 in an emergency, 101 otherwise

Your parent's bank

Ring with your parent, on the number on the back of their card. The bank can cancel and replace cards, look at recent transactions, and tell you what it can do about payments that were not authorised.

The same day, if money is involved

Report Fraud, if a card or account was used

If the carer used a card, online banking or your parent's details to take money, that may be fraud. Report Fraud, which replaced Action Fraud in December 2025, takes reports online or on 0300 123 2040.

The national fraud reporting service

The Office of the Public Guardian

If someone holds a lasting power of attorney or is a deputy for your parent and is misusing that role, or has let the carer misuse it, anyone can report it to the OPG, on 0300 456 0300 or online.

If an attorney or deputy is involved

When you ring the council, ask for adult social care and say you want to raise a safeguarding concern. Use GOV.UK's find your local council if you are not sure which one it is. Give them your dated notes and say what you have already done. The legal wording of the duty is in section 42 of the Care Act 2014, and the signs of abuse and who to tell explains what a section 42 enquiry involves and what happens if your parent does not want anything done.

GOV.UK announced Report Fraud as the replacement for Action Fraud, and explains how to report a concern about an attorney or deputy.

Stopping the carer working with other peopleSection titled Stopping%20the%20carer%20working%20with%20other%20people

The Disclosure and Barring Service keeps the lists of people barred from working with vulnerable adults. Its guidance on barring referrals says the duty to refer does not apply to family or personal arrangements or members of the public, and that a member of the public with a safeguarding concern should contact the police, social services or the person's employer, who can investigate and refer to the DBS if appropriate. A self-employed carer has no employer, so here that means the council and the police. The statutory guidance also says a local authority can make a barring referral. Tell the council plainly that you are worried the carer may be working with other people.

What PrimeCarers' contract says about its roleSection titled What%20PrimeCarers%27%20contract%20says%20about%20its%20role

The contract between you and the carer describes PrimeCarers as an introductory and payment service. It says PrimeCarers "does not supervise or monitor the Carer's work", and that "All safeguarding concerns must be addressed directly between the Client and Carer or to appropriate statutory bodies." The statutory bodies are the council and the police, who have the power to investigate. Report to them first, and do not wait for anything else before you act.

Protecting money from here on

Protecting your parent's money and home from here on, and finding someone new

Once your parent is safe and the reports are made, the next job is to make it harder for this to happen again, whoever cares for them next.

Longer-term protections

0 of 7 ticked

At the bank

For the longer term

In the house

GOV.UK's guidance for firms on supporting customers who may not be able to make their own decisions explains that third party mandates, unlike lasting powers of attorney, are only valid while a person keeps mental capacity. The rules for making an LPA are on GOV.UK's lasting power of attorney pages, and becoming a deputy covers the route through the Court of Protection. If your parent has dementia, the timing matters, and lasting power of attorney and dementia explains why it is worth doing now. If you already act as an attorney, paying for care as an attorney covers what the role asks of you.

The guide for carers on handling a client's money sets out the paper trail a careful carer keeps, and it is fair to expect the same from the next one.

Finding someone newSection titled Finding%20someone%20new

When the rest is in hand, you can look for someone new. Carers on PrimeCarers have had an identity check, a right to work check, an enhanced DBS check (or PVG in Scotland, Access NI in Northern Ireland) issued within the last 18 months and an online interview before their profile appears, and every visit booked through PrimeCarers is insured. We do not check qualifications, training or references, which sit on a carer's profile for you to follow up yourself. An enhanced DBS check shows what was on record at the time it was checked. It cannot show something that was never reported, so it is not a guarantee. Background checks on a private carer explains what each check covers.

How to check a private carer walks through meeting carers, taking up references and agreeing a written plan. When you feel ready, you can search for carers near you and compare their rates, read the reviews on each profile, and talk to two or three before you agree anything. If you use our managed service, priority help finding a replacement live-in carer is one of the things it includes.

Questions

Questions families ask when they suspect a carer

If your parent is in danger or a crime is happening now, call 999. If not, write down what is missing, when you last saw it and who was in the house. Then end the arrangement if you need to, change the key safe code, and report it to the police on 101, the council's adult safeguarding team, and the bank if money has gone from an account.

The client contract allows either side to end the arrangement immediately where safety or serious misconduct requires it, instead of the usual notice. For live-in care, the carer is in the home only with the client's consent, and the client can require them to leave for safety concerns, serious misconduct or a breakdown in trust. The full contract has the wording.

The contract says immediate termination does not waive any outstanding payment obligations owed to the carer, so work already done is still owed. A suspected theft is a separate matter for the police. If you want to try to recover what was taken, ask a solicitor or Citizens Advice, because PrimeCarers does not give legal advice.

Not directly. The Disclosure and Barring Service says the duty to refer does not apply to family or personal arrangements or members of the public, and that a member of the public with a concern should contact the police, social services or the person's employer. A self-employed carer has no employer, so tell the council and the police, and say you are worried the carer may be working with other people. The statutory guidance says a local authority can make a barring referral.

PrimeCarers is an introductory service. The client contract says it does not supervise or monitor a carer's work and that safeguarding concerns go between the client and carer or to the appropriate statutory bodies, which means the council and the police. What PrimeCarers does when it is told about a concern is not set out in its published terms, so make the reports on this page first and do not wait for anything from us before you act.

You can still raise a concern with the council and ask for advice, and you can describe the situation before naming anyone. The guidance says an adult's wishes matter, but that action may still be needed where a crime has been committed or other people are at risk. The signs of abuse and who to tell covers what happens when an adult does not want help.

If you need help at home

Start with our guide to private carers

Hire a carer directly, without an agency. What it costs, what a carer does day to day, and how to hire one directly.

Carers near you

When you are ready to look for someone new

Search carers near you, read their profiles and reviews, and talk to two or three before you agree anything. Every carer has had an identity check, a right to work check, an enhanced DBS check (or PVG in Scotland, Access NI in Northern Ireland) issued within the last 18 months and an online interview.

Free to searchNo obligationVetted & insuredYou choose the carer