一名英国养恤金领取者被误导购买了一个错误的信任,而这种信任未能保护她的家,引发了财务和情感上的困扰。 A UK pensioner was misled into buying a faulty trust that failed to protect her home, sparking financial and emotional distress.

2011年,77岁的Wworcester养恤金领取人Paula O'Grady被误导购买了资产保护信托,相信这将保护她的家免受护理费用和遗嘱的伤害,但反而造成了多年的财政和情感压力。 Worcester pensioner Paula O'Grady, 77, was misled into buying an asset protection trust in 2011, believing it would protect her home from care costs and probate, but it instead caused years of financial and emotional stress. 专家与终身律师协会警告说,这些信托常常用来减少继承税或避免护理费,但往往无法兑现,并可能导致严重的法律和税务问题。 Experts and the Association of Lifetime Lawyers warn that such trusts, often marketed to reduce inheritance tax or avoid care fees, frequently fail to deliver and can lead to serious legal and tax issues. 研究表明,多达5 000英镑用于无效计划,95%的专业律师报告错误销售案件,多数涉及相当公平的老年房主。 Research shows up to £5,000 is spent on ineffective schemes, with 95% of specialist lawyers reporting mis-selling cases, mostly involving older homeowners with significant equity. 许多受害者缺乏适当的建议,不受管制的公司在经营中很少受到监督。 Many victims lacked proper advice, and unregulated firms operate with little oversight. OGrady只是在一名律师的帮助下解决了她的处境。 O’Grady only resolved her situation with help from a solicitor. 该小组呼吁加强监管、提高公众意识和开展公众调查,敦促人们在进入复杂的地产规划之前征求经认可的专业人员的意见。 The group is calling for stronger regulation, public awareness, and a public inquiry, urging people to seek advice from accredited professionals before entering complex estate planning.