A carer who 'guided the hand' of a dying millionaire as he signed over almost half his £1million fortune to her family has been stripped of the windfall.

Donna Henderson is alleged to have helped retired banker Marcel Chu make out the will as he lay on his death bed, which handed her and her children half of his estate.

The former financier, of South Woodford, East London, had already made a will in 2008, dividing his estate between his immediate family and a close friend, and leaving nothing to Mrs Henderson.

But that was before the carer 'took control of his life and excluded his siblings' during the final year before he died, London's High Court heard.

Carer Donna Henderson, (right) pictured with retired banker Marcel Chu, has been left with nothing after a judge ruled his will was invalid

The 'surprising' deathbed will - dated May 9 2014, just two days before Marcel died aged 73 - left 40 per cent of his wealth to Mrs Henderson and her children.

But at the High Court judge Nigel Price has now ruled the will invalid and left the carer with nothing but £85,000 in legal costs.

A handwriting expert had concluded that the signature on the will was not Marcel's.

And, given his condition, the dying millionaire lacked mental capacity when the document was signed, the judge ruled.

As well as dashing her hopes of a six-figure inheritance, the judge also handed the carer - who he said earns just £60 a day - a mammoth legal bill.

Mr Chu (left) who suffered from rare autoimmune condition Morvan's syndrome made his fortune in banking and employed Mrs Henderson (right) to look after him in the final year of his life

The court heard the pensioner made his fortune in banking before retiring to his £700,000 flat in South Woodford.

He had 'a relatively close relationship' with his brothers, Allen and Stanley Chu, and sister Eva Young, for most of his life.

And he had appointed them executors of the will he made in 2008.

Under that will, the siblings each got 26 per cent of his estate, whilst a niece and nephew got 14 per cent and a close friend 7 per cent.

But Marcel, who worked for Barclays, suffered from Morvan's syndrome, a rare auto-immune condition 'which caused memory loss and confusion'.

Mrs Henderson 'took control of his life' after Marcel 'involved her in his care' the Old Bailey was told

And, in 'his final year or so', he could no longer live without assistance.

It was at that stage that Mrs Henderson 'took control of his life' after Marcel 'involved her in his care,' the court heard.

Marcel was in hospital two days from death, and suffering from 'multiple morbidities', when the new will was executed.

His cocktail of ailments included internal bleeding, septicaemia, and diabetes and he may have been 'delirious' due to a high temperature, the court heard.

Richard Dew, for Marcel's siblings, told the judge: 'The will has not been proven to have been executed by Marcel.

Mr Chu, (left and right) who signed the will just two days before he died left 40 per cent of his wealth to Mrs Henderson and her children

'Marcel almost certainly lacked the capacity to execute it on May 9 2014 and it is clear that he did not know and approve of the will.

'It was the handwriting expert's conclusive opinion that the signature was not written by the deceased,' he added.

Mrs Henderson had organised the drawing up of the new will and admitted she had held the pensioner's hand whilst he signed it.

But she claimed she had merely 'assisted' him to put his name to the document of his own free will.

Insisting that the final will reflected his true wishes, Mrs Henderson said she had merely 'guided his hand' and 'assisted him because of his infirmity'.

A judge at the High Court in central London ruled the will invalid and left the carer with nothing but a huge £85,000 legal costs bill

But the handwriting expert's evidence supported the siblings' case that her 'assistance' with the new will went too far.

'There is a distinct possibility that she wrote that signature whilst holding Marcel's hand,' said Mr Dew.

'That wouldn't be his signature, that would be her signature.'

Giving his ruling, Judge Price said: 'The siblings' case is that the 2014 will is invalid, or that the circumstances of its making were so suspicious that it cannot be regarded as valid.

'Marcel died just a few days after the execution of the will. He had been suffering from a rare autoimmune condition leading to memory loss and confusion.

He also had 'septicaemia, diabetes, blood pressure problems and a temperature that could have caused delirium'.

The judge said that 'expert handwriting evidence was obtained to the effect that the signature on the balance of probabilities is not that of Marcel'

'Mrs Henderson has sought to propound the 2014 will, but did not defend this action and has not appeared,' the judge added.

In the weeks before Marcel's death, she and two friends - who acted as witnesses - 'met a will writer' and the 2014 document was drawn up.

Documents indicated that she informed the will writer she was 'a friend' of Marcel and 'did not reveal that she was in fact a carer'

Mrs Henderson, a distant relation of Marcel's by marriage, 'paid for these services,' the judge added.

The carer's friends had given evidence 'that although Marcel was frail, he had signed the will.'

But the judge said 'expert handwriting evidence was obtained to the effect that the signature on the balance of probabilities is not that of Marcel.'

Mrs Henderson then 'put forward a further version, inconsistent with what (her friends) had said, that in some way she assisted Marcel in signing the document.'

But the judge said: 'It may be that it is permissible for a testator to be helped in signing a document, but the scope of such assistance must be limited.

'There is a distinction between leading and steadying the hand.

'The distinction is to be drawn when assistance goes so far as to lead in the formation of the letters.

'On 9 May 2014, he could not have been in any state to appreciate what he was doing in relation to the execution of this document. Judge Nigel Price

'The medical evidence is compelling as to the state he was in.

'On 9 May 2014, he could not have been in any state to appreciate what he was doing in relation to the execution of this document.

'It is unlikely that Marcel could have had capacity on April 30 2014 (when the will was drawn up) and certainly not on May 9.

'One cannot reach any conclusion other than that he lacked capacity on 9 May.

Ruling that the 2008 document was Marcel's last true will, he added: 'Although one might have expected a small, or even significant, legacy to be left to a carer, the wholesale change in the will in favour of Mrs Henderson is surprising in all the circumstances.

'Marcel's close family appear to have been kept out of the picture in relation to the writing of the new will and the time of the final illness.

'Emails show the seriousness of the situation was being played down. One infers that was to keep them out and prevent them from taking any steps in relation to the new will.

'It may have been possible for all these concerns to be dispelled had there been any effort by Mrs Henderson to show that there had been some remarkable transformation - despite the medical records - in his cognitive ability in the last few days, but no effort has been made to do that.

'One is driven to the inference that she has reached the conclusion that she is not in a position to overcome the weight of the evidence which she faces in relation to the execution of the will, and the capacity and want of knowledge and approval issues.

'I have no hesitation in reaching the conclusion that the siblings are entitled to a decree in solemn form in favour of the 2008 will', the judge concluded.

He told Mr Dew: 'You are entitled to your costs but I'm not sure you are ever going to retrieve them. She is a carer on £60 a day.

'Mrs Henderson has caused all this and walked away from it.'

He ordered Mrs Henderson to meet the siblings' legal costs, which Mr Dew said came to £85,000.

Mrs Henderson did not attend the hearing and was not represented.