A husband and wife who allegedly defrauded a 94-year-old woman of her life savings have been arrested by Toronto police.

Norma Marshall says her ordeal began almost four years ago, when she hired a housekeeper.

The housekeeper, identified by police as 32-year-old Vera Nunes of Toronto, became involved in Marshall's day-to-day activities and gained access to her banking.

One day Nunes arrived at the front door with her husband, family and all her possessions. They moved in — living in Marshall's den — while Marshall was moved into a smaller room. 

A delivery man from a local pharmacy first noticed something was wrong when he went to Marshall's apartment for her weekly delivery and someone else answered the door. 

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Norma Marshall, 94, says she lost all her possessions and life savings. (CBC)

"When I asked the gentleman he said he was the family, but I've never seen Norma's family in the last 10 years," Firoz Jogiat told reporters at a news conference on Wednesday. Marshall's only family is a nephew in Montreal. 

Jogiat said he went back the following week and insisted on seeing Marshall. 

"She didn't look at me. She was just scared, so I thought something was wrong." 

Jogiat talked to the pharmacist, Celina Chan-Ying, who called the police. 

But by that time Marshall's possessions, including her furniture and jewelry, had allegedly been sold and her life savings — $25,000, she estimates — were gone. 

She said it was a violation of her trust.

"The life savings is one thing, but what it does to you emotionally is worse," she said. "You don't need a lot of money when you get old. You do need people around you." 

Nunes and her husband, Louis Serpa Da ​Conceicao Santos, face multiple charges including fraud, theft and being unlawfully in a dwelling. 

Police believe there may be other victims.

With files from Lorenda Reddekopp