Adult Safeguarding - Raising a Concern and the Decision Making Tool (DMT)

 MK Together has developed a Decision Making Tool to make it clearer and easier for people to understand what a safeguarding concern is and what to do with a concern.

Financial or Material Abuse

The unauthorised and improper use of funds, property or any resources. This includes the use of theft, coercion or fraud to obtain or try to obtain a an adult's money, possessions or property.


  • Money is not recorded safely or recorded properly, and immediate actions have been taken to rectify this
  • Single incident of missing belongings/minimal amount of money where there is no indication of theft/abuse
  • Misuse of direct payments
  • A number of incidents where money is not recorded safely or recorded properly for one or more persons
  • Adult not involved in a decision about how their money is spent or kept safe - capacity in this respect is not properly considered


  • Adult’s monies kept in a joint bank account – unclear arrangements for equitable sharing of interest
  • High levels of anti-social behaviour reported
  • High levels of visitors to the property and the adult does not appear to be able to say ‘no’
  • The adult is socially isolated
  • Falling behind on rent payments
  • Adult deemed to be not engaging with professionals
  • General deterioration in person’s health and wellbeing
  • Property falling into disrepair
  • Care Fees not being paid
  • Presence of gambling


  • Suspected fraud/exploitation relating to benefits, income, property or will, including ‘cuckooing’
  • Lasting Power of Attorney claimed to exist but no evidence provided when requested
  • Adult denied access to their own funds or possessions
  • Misuse/misappropriation of property, possessions or benefits by an adult in a position of trust or control. To include misusing loyalty cards
  • Personal finances removed from the adult’s control
  • Adult coerced or misled into giving over money or property

ARC MK service for difficulties with drug, alcohol or gambling addictions phone: 01908 250730 or email: to make a referral

Last Updated: 7 December 2021