LPA for finance- are there any banks that aren't useless?

Those talking about certified copies. Indeed get some, they are a necessary backup, but you can create an online account with One Gov and set up the LPAs on that and, then, when you need to provide an organisation with access to a copy you generate a code that lasts for 30 days and that specific organisation can use to access.

I've used codes for DWP attendance allowance and care home respite. GP wanted a certified copy of LPA HW and the banks I used certified copies but I did them before I realised the code way was available.

If nothing else it's another way of supplying it to a third party.

Lloyds were great and are great whenever i go in. But. Their online banking 2FA involves a text with a PIN.

And because i live outside the UK they will not authorise me for online banking because - i kid you not - sometimes the txts take too long and it times out.

I did suggest they look to using other 2FA methods such as a token or authenticator but so far no dice. So i still can't handle my mum's banking. We have to wait until i can get over, then go in to visit them. It is a PITA tbh. But the rest of it works fine.

Actually, @Kyotoorbust, I've just remembered that when I needed to get certified copies of a PoA for Inland Revenue they told me a job centre could do it free. I'm not sure whether those would be accepted by banks etc or whether it's only for other public sector orgs, but it's worth asking.

Lloyds were fab! I can see DFs accounts on my login with a link to his. So all transactions I action can be traced to me doing it as LPA.

Nationwide were pretty good too. Took me into a room with Dad and actioned it. However I've been less than impressed over their response to a fraudulent DD on his account. No money lost as he didn't have sufficient in there but having reported once and cancelled DD, they then allowed another through from same supplier! Again, no loss as he didn't have sufficient to pay it but they were reducing it each time so would have got there eventually. I've actually closed that account. Being POA and main carer I do not need any extra work to do.

I've registered them online so most people juts accept online generated codes to get access. Makes it much easier

Nationwide as after initial visit I did all banking online via app. NatWest made several mistakes but the woman in the branch was very helpful. Nationwide are commited to keeping branches open which can be useful at times.

For £300 you could get a whole new one drawn up and registered and probably a will written (at least in half price wills month).

It's a tiny job to do certified copies - they just run the document through their copier and stamp and sign each page. It's a 15 minute job to get a couple of copies and can be done by a notary or the most junior of solicitors, not a senior partner who charges £1200 an hour.

I found Lloyd’s to be quick & efficient- took a couple of days to sort online.

But I don’t use an app (even for my own banking) and have just been doing it in my laptop & PC.

I found Barclays very helpful tbf, didn’t even have LPA but my dads bank manager suggested I get added as an additional person to his account. Had to confirm everything in branch which was understandable but as I was already a customer my dads account just showed up inside mine online and they sent me a card.

With my mum she just told me the passwords.

Seems like LPA just adds an additional layer of checks and complication.

🤣🤣🤣🤣 brilliant. The entire system needs reform but I just don’t know how that happens

To get a certified copy!m? It really shouldn’t be

I just offer to take my mum in to the nearest branch etc
pointing out that she is doubly incontinent and likely to remove all her clothes at any point

Not surprisingly they back down quite quickly

It is an old style one and every page needs certifying and it is long. it doesn’t have code access
£300 is at the lower end

My mum was with Nationwide and they couldn’t have been more helpful or easy to deal with.

I had the opposite problem with NatWest dsis regularly transferring money from dm to her own account via the banking app she had downloaded to her phone before poa was even registered and to my knowledge nothing was ever flagged as suspicious. I even contacted them alert them as dm wasn’t aware of these transactions dsis had turned off paper statements and housebound and only found out when I took her to the bank and they did nothing. Poa has now been registered with NatWest only after dsis had dm remove me as poa as they have an app i believe that alerts all poa when transactions are made

Welcome to my world …. 3 visits to Barclays in person and it was still not set up properly.

Some compensation… after a formal complaint.

Can’t use the app but I can use online banking now … which makes it easier. I was able to open a bond the other day online and it was very simple ….

so there is hope !

Another vote for Halifax here. Barclays were hard work but we got there.

Nationwide have been fine for me, though I can only view DFs account via desktop and had to open an account of my own (very basic saver and stuck £10 in it) first. The actual registration process was simple and all sorted in about 10 days.

I have a video appointment with TSB next week to sort out access to his accounts there as there are no branches near me to visit.

Bonds and sending money to dgc um can be seem again as deprivation of assets itissticky l am sorry , has mum lost capacity, no insult meant at all , the rules are to protect mum and money she may have in case of the need of a care home , don't forget if mum is retired she can claim attendance allowance which can be up to 109 pounds a week ,if in a care home when mums money or savings get below 15000 odd pounds local authority pay for mums care it's complicated sorry William

registered my LPA for my mum at her Lloyds branch, and it was activated immediately, asked me if i needed/wanted a card for the account and what about online banking.

Pretty impressive, tbh

Santander have been super. All done online, helpful people on the phone, online access and debit card sent to me within days.

Natwest was ok for me - I had online access , didn't bank with them myself.

My wife had vascular dimentia 5 years ago starting in 2020 , l hubby set up power of attorney with Lloyds bank which was easy, um if you spending mums money please keep records, as there is monitoring body , l had no trouble with savings for ann over 4 years , l could only gift up to 3000 pounds in one year to children etc it's in the rules , um an isa should be OK, all this is in case mum needs to go into care and it's ok they call it deprivation of assets, so maybe if mum has a house it can be used by selling to pay for her care untill the amount she has £ 15580 then she does not pay for care below that amount sorry William, l hope this helps a bit it's a bit complicated, Also if mum has someone over retirement age or some one who is disabled in the house flat bungalow local council or social services can make you sell the house . I know this as my wife passed away in March also l am a semi retired tax and dwp inspector hope this helps William

My mum was an authorised person on her parents bank account which worked well
for day to day transactions. Do you have this?

It’s genuinely scary how many people don’t even know what they are.

I had to submit one to a parking charge company. They refused, even when presented with the valid LPA and mental capacity report, to speak to us.

“The owner of the car needs to speak to us”

”they can’t because they have X disease that means they lack capacity. The car is in their name because it’s a motability vehicle but the driver is insured. We are attorneys”

”the owner must sign a letter of authority”

“they can’t. They lack capacity”

”this is going to court”

the dispute resolution team had fun with that one.