The financial impacts of CPA

Harriet Ernstsons-Evans • Dec 09, 2022

When we think of abuse, it’s perhaps the physical and emotional impacts which spring to mind initially. But there are often a whole range of effects – and it’s important, especially during the current cost of living crisis, to be aware of the many ways in which Child to Parent Abuse can have a negative impact on people’s financial situations.


Firstly, there may be direct financially or economically abusive behaviours being displayed. These could include:

  • Stealing items from the parent or the household. Our 2021 PEGS parent survey saw 39% of parents report their child had stolen from them, and 24% felt they were experiencing financial abuse.
  • Coercing the parent into handing over money, or purchasing items for them. 88% have experienced threats and 77% intimidation (about anything, not just money).
  • Fraudulently taking out credit cards or other accounts in their parent’s name.


Then there’s the cost associated with:

  • Replacing damaged items or property.
  • Potentially having to seek legal support if the situation escalates.
  • Even having to move house. 7% have been threatened with eviction or needed to move because of CPA.
  • Having to reduce hours or quit work altogether. Of PEGS parents who were previously employed, 48% had to reduce their hours, and 22% left their job totally.


If you’re experiencing increased money worries as a result of Child to Parent Abuse, or direct financial/economic abuse from your child, then there are a range of organisations out there who can support you:


Citizens Advice


Money Advice Plus


Money Helper


National Centre for Domestic Violence financial abuse toolkit


National Domestic Abuse Helpline

0808 2000 247 (24-hour)


Surviving Economic Abuse

0808 196 8845 (Monday-Friday 9am to 1pm and 2pm to 5pm, free)


UK Finance


And many banks now have specialist teams who can provide support to those affected by financial abuse. Here are some of the larger banks – if yours isn’t on the list then do check directly with them to see how they may be able to support you.


Barclays

Fill in the form to let their team know when they can contact you.


Halifax

0800 0854 475 (Monday – Friday 8am to 6pm)


HSBC

03457 404 404 


Lloyds

0800 0665 703 (Monday – Friday 8am to 6pm)


Nationwide

0800 917 23 93 (Monday – Friday 9am to 5pm, Saturday 9am to 1pm)


Natwest

03457 888 444 (8am to 8pm)


Royal Bank of Scotland

03457 24 24 24 (8am to 8pm)


Santander

0800 011 3414


By Amanda Warburton-Wynn 03 May, 2024
'Oh, we love having the grandchildren, especially because we can give them back!' How many times have you heard that? But have you heard 'We dread our grandchild coming to visit, we never feel safe until they've gone home'? Child to Parent Abuse is increasingly a topic of research but there is currently no formal definition and, if the consultation carried out by the Home Office in 2023 results in one, it's likely that grandparents won't get a mention in the main title. Of course, the age of grandparents can vary hugely but for those in the older age groups abuse from a child can be hard to understand and even harder to speak about. Whilst in many cases abusive behaviours are not linked to a health or mental health issue, some of the diagnoses involved in some cases of child to parent abuse weren't known until fairly recent times – ADHD was first recognised when mentioned in a National Institution of Clinical Excellence (NICE) report in 2000! Children who we now categorise as being victims of abuse and trauma were often just seen as 'naughty' back in the day and their behaviour needed to be dealt with by punishment. It's essential that we now recognise when children are asking for help – even if that is demonstrated by negative behaviours – but the impact of these behaviours on the whole family needs to be considered. Information Now say that In the past two generations, the number of children being cared for by their grandparents has increased substantially from 33% to 82% - almost two-thirds of all grandparents regularly look after their grandchildren. The UK Government add that 41% of mothers are working full time so it's clear that grandparents are spending more time with their grandchildren than ever before. There are myriad reasons for this including the changing demographics of an ageing population where many grandparents are now more physically active so spending time with grandparents can be more fulfilling than in the past (anyone else remember sitting in silence listening to the adults talk and drink team and hoping it would be time to go home soon?) But for all those positives, abuse of older people is a negative that's featuring more and more in research and in the news. Whilst several studies on both domestic abuse and elder abuse victimisation have reported that adult sons or grandsons, and a smaller proportion of adult daughters or granddaughters, are perpetrators in around half of all abuse against older adults (see Bows et al . 2022), there is little research into abuse by grandchildren who are aged under 18. One reason for this is likely to be the reluctance, by family members, professionals and society as a whole, to label children as 'perpetrators' or 'abusers Parents experiencing abuse from children have told PEGS that the abuse most commonly starts before the age of six and often continues post the child turning 18. It is probable that some children who display abusive behaviours towards parents will also abuse their grandparents but it's possible that some children abuse grandparents only. What is pretty much definite is that grandparents will feel the same emotions as parents if a child is abusing them – shame, guilt, worry about consequences of speaking out and concerned about causing problems within the family, especially if they appear to be the only targets of the abuse. It's also common to look for a reason for the abuse, something that has happened to the child perhaps or something that the grandparent has/hasn't done and to try to rationalise the abuse. As well as more research, there needs to be more recognition from organisations working with older people – statutory and voluntary – that Child to Parent Abuse can and does include children abusing grandparents and those grandparents need support. Abuse from a child is often no less dangerous than abuse from an adult so it shouldn't be laughed off or seen as grandparents not having enough 'control' over their grandchildren. More awareness of the issue, more open discussions and acknowledgement of the impact of this type of abuse will hopefully lead to appropriate support for grandparents who come forward to ask for help, and more of them doing so. Amanda Warburton-Wynn is an independent researcher and consultant specialising in support for domestic abuse and sexual violence survivors with disabilities and older people. You can find out more about Amanda and her work on her website www.awdaconsultancy.com
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