My 89 yo parents live in a house and so have two caregivers to transfer my mom to and from potty to bed and back to chair etc. I am POA but not legal guardian....now there is dementia with both and I just found out that mom and dad agreed to give the one caregiver a "loan" for $2800! (her car is always breaking down). Because I cannot refute their offering to her...I did write up an personal loan agreement for her to sign (with NO hope of ever seeing it repaid). Is it time to go to court for full guardianship so I have the power to protect them from this sort of thing? They have limited funds to last their final years and I handle all the check/bill payments....as they cannot. We cannot lose this caregiver as they are very scarce here.