Hi there Allie,
I am from the UK, I'm hoping I can help you a bit with ideas on what to do next, though it's a tough one.
I think your first step to sorting out finances, should be Citizens Advice. There should be one in your nearest town. Here is their webiste: http://www.citizensadvice.org.uk/
I'm not sure how much support they can give over your mum's finances, as she is refusing to give access. I'm not sure legally where you stand on this, and if there is anyway round the system so you can stop your mum getting into trouble with debts and things. Citizens Advice will be able to give you information about
this. The service is a free one, so no harm in trying either.
With regards to the C. Diff, if your Mum still has it-try yakult probiotic drinks. They don't taste fantastic, but they're only small. Taken everyday they can give some protection. My hospital did a 6 month trial of Yakult, and during that time the number of cases did cut down, and the wards weren't closed in that six months.
I think you need to try and get your mum talking to the doctors about
these falls. I know legally you aren't supposed to talk to doctor about
another patient, as it's all data protection and stuff. But, if you do see your mums doc at the same time as her or something, just slip it in, as I'm sure the doc will want to know mum, and will then quiz your mum directly. It's definately not good that your mum is hurting herself when she falls, and it can't be fun for her either.
Just reading this website:-http://www.rcpsych.ac.uk/mentalhealthinfoforall/treatments/howtogethelp.aspx
It has a little bit of information about what to do if you think someone is a risk to themselves. It says to encourage them to see their GP. If you're worried about someone who is very unwell, and they're a risk to themselves or others, you can ring NHS Direct on: 08454647 or call the police.
Hope some of what I've said helps in someway. Must dash now, as going to get my hair cut at 11, and still nowhere near ready.
Gemma