Ask Sheila - Archive England

Sheila Scott OBE has now retired and therefore is no longer available to answer your social care questions. However, you might still find the answer you’ve been searching for down below.

24th June 2015

Financial consultant for care home placement

Hi Sheila
My mother has recently gone into a care home , self funded. She told them that she had funds to pay having sold her house. I asked the question "what happens when -if the money runs out"? I was told "we negotiate and never kick anybody out". They were very vague when I queried this further and informed them that I lived on benefits and could not fund her care.
Since then she has received phone calls and visits from a financial consultant introduced by the home. I have heard that there are schemes where the home-financial consultant takes all of your money in return for a guarantee to care for life. This smacks of abuse to me, especially with the home having a captive audience of vulnerable people available. What is your take on this as I feel very uncomfortable with the whole idea but she is all for it as the financial consultant "seems a nice man".

Dear Alison,

Thank you for your question.

I am not qualified to give advice about funding but there is a very good free resource Care Aware ( which I am sure you will find helpful and you can also contact them direct.

Best wishes,


*All information is correct at the time of publishing.

About Sheila

Sheila Scott OBE has now retired and over the years , prior to her retirement she has answered thousands of your social questions. You can still access the many questions below.

For Sheila Scott OBE as the former CEO of National Care Association (NCA), care is Sheila's life. She possesses a strong command of the issues facing the care sector informed by her long career as a nursing professional, the owner and manager of a care business, and as a leader in the care sector.

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