The Black Accounts

At the bank, Dumbledore had been distressed to learn, even the Black accounts were now out of his reach despite his attempts to keep Harry from learning about them. When reports had begun coming in of his bought and paid for people not being able to use their keys, he'd naturally gone to the Bank to see what the problem could be.

The goblin he'd spoken to had told him of the freeze on Harry's Potter account. So he'd tried to access the Black account to get the money he needed for his people. He needed to pay Mungdungus or who knew what the man would spill the next time he was arrested. Which seemed to happen at least three times a month. And then there were the Li Brothers he used to make problem people disappear when the Death Eaters couldn't be blamed. They actually had a daughter/niece in his school right now and she was trained by them. He knew the only reason that girl was a Hogwarts student was to keep him honest, as the saying went, with them.

But again the goblin refused him. He was informed he couldn't access the Black account without permission from the Board of Trustees who oversaw it. Nor would they tell him who was on that Board because he wasn't a trustee of the account. He'd tried telling them he was Harry's magical guardian and therefore was in charge of all his banking business until Harry came of age. Since he hadn't appointed a Board of Trustees to the account there shouldn't be one.

But as the goblin obviously believed there was, he needed to contact them and either dismiss said Board or get himself a place upon it as was his right as Harry's magical guardian and legal representative here in the magical world. So if he could just get a name he'd be on his way.

But that was denied because the goblins knew he was no such thing. They knew he claimed to be their Holder's magical guardian but they also knew he wasn't any such thing. When their Holder began his secondary schooling the Ministry had appointed another as their Holder's Guardian/Protector and that man had all the legal power over their Holder until said Holder finished his education at Hogwarts. But not even his Guardian/Protector could interfere with banking matters pertaining to the young man. Not unless Harry appointed the man as his representative and came here in person to inform the goblins of the appointment. Not any more anyway. Not since that disreputable goblin lost his head for his perfidy.

Just as he had with Sirius Black, Albus Dumbledore ignored what he didn't want to acknowledge. He refused to understand the teachers in the Castle were oathbound to protect Harry when and if they could regardless of what manner of threat the boy was facing. He honestly believed Severus had only interfered with his plans for the boy because of a graveside promise made to the boy's dead Mother.

And that wasn't binding. Therefore, it could be ignored if the man truly wished to ignore it. Especially since he himself, who was the boys magical guardian, had not felt any kind of a pull on his magical core suggesting he was overstepping his bounds as guardian. Since Harry was a minor, attending Hogwarts under his dominion, he assumed he was his legal and lawful guardian now. As such, Dumbledore thought he had managed to withhold the information of the Black bequest from him on the grounds that as his magical guardian, he handled all legal matters for Harry in the magical world and Harry didn't need to be reminded of his loss so soon. Or so he thought.

But since Dumbledore wasn't really Harry's guardian in any manner, Harry had learned of his Heir to the Black status after his third school year long before Dumbledore had contacted them to withhold the information from him. And now, two years later, there was nothing Dumbledore could do about it though he was unaware Harry actually knew those accounts belonged to him. Goblins didn't discuss client business with other clients. They weren't gossip mongers like Ms. Skeeter. They were goblin bankers.

Regardless of what he believed the Ministry hadn't given him guardianship in any legal manner either on the night the elder Potters had fallen or at any time thereafter. They'd only accorded him the right of placement allowing him to place Harry into the guardianship of his muggle Aunt and Uncle. They'd probably meant to rescind Sirius' right as Harry's magical guardian at the conclusion of his trial but they'd forgotten to actually give him one. So it had never happened. The Dursley couple were Harry's physical guardians while Sirius Black had been, and remained even in death, his legal magical guardian though he had never had the chance to act in that capacity. And while the boy did have his Guardian/Protector at the school that wasn't the same thing as a magical guardian. That meant now the Dursley couple were his only guardians outside the school.

Nor could it be changed. Because Dumbledore had the Potter Wills sealed unread. That meant even if they wanted to, the Ministry couldn't alter his guardianship. Not unless they unsealed the will. And they'd never do that because Dumbledore didn't want it unsealed. Wizengamot ordered or not, and it was not, Dumbledore had no right to assume guardianship in any manner.

Dumbledore had been, and still was, so very afraid of someone else influencing Harry, he'd never dared to point out the need for a new magical guardian when Sirius had died by the lake. Paperwork, no matter how well hidden, could be discovered and guardianship papers had to list factual information that would include Harry's direction. Exactly the information Albus didn't want in the hands of the masses. Therefore, although Dumbledore told people he was Harry's magical guardian, he'd never actually filed any kind of paperwork to prove that claim and so had no legal right to have anything at all to do with Harry's inheritances. He certainly had no right to be withdrawing items from the vaults.

Petunia and Vernon had filed for guardianship so they could make use of Crown services for his care as needed. His medical needs, housing needs, clothing needs and educational needs had all been subsidized by the Crown. What's more, they could prove it. They had paperwork documenting every single quid they had received for Harry's care and not one pence more of it had come from Harry's inheritance vaults than what they were legally entitled to receive as his primary guardians. That paperwork was being held by the goblins now for the day when Harry was safe from Dumbledore's revenge.

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