Registering an LPA with NatWest for a housebound elderly parent

I’m not up to 20 yet but completely agree. It is so very time consuming to wade through all this. Our LPA predates codes which adds another layer of complexity. Then half of them make it difficult to operate the account if you’re not a customer yourself.

No you don’t need to refresh. You generate an access code for the financial institution on the office of the public guardian site. Give the access code to the financial institution (plus any id or documents they want). The financial institution then has to view the access code within a month, before it expires. If it does expire, you can generate a new one. I’ve only had to generate a new one once, when the financial institution cocked things up!

Yes, it’s an online code now. Needs to be refreshed very month (I think!).

When I first did it for my Father you still had to go into the bank to register and all the pages were taken away and photocopied . The silly moo took the document, left one of the pages on the copier and I didn’t notice until I went into another bank to register. Very luckily the bank was only a few doors down from the first one!

Just to add that I took everything into the branch rather than doing it online.

With my parents, I vaguely recall being asked to take in a document from the GP, in lieu of a passport or driving licence. (Mum and Dad were with RBS, which is part of the NatWest group.)

I've just done this with Lloyds and Halifax. If you get an LPA nowadays you will get given online access. This generates access codes for you. I had to upload scans of my passport and driving licence but that was it. They then sent me my own cheque books/bank cards for my father's accounts. I didn't have to go anywhere, did it all online and with a phonecall to the banks' LPA telephone number.

Why do they want Mum’s ID? The LPA has gone through the various checks. It’s not for the bank to check Mum’s photo. As a PP says how would they know who the photo is!

In my considerable experience with registering an LPOA with financial institutions, is that every financial institution has a different set of rules. Some have asked for my id some for my mum’s and some want both. Sometimes a photograph of the id will do, or a photocopy, or it must be viewed in person. Sometimes the id will need to be certified by a solicitor. Every bank, building society etc will be different. Also they all want either a passport or a driving licence as they show a photo and a signature. They may also want additional info such as a recent household bill in your or your mum’s name. I’ve had to do this for over 20 financial institutions and they are all different.

Yeh if you put small amount in a new account for yourself to open accnt at same bank it might make it quicker

I did this recently- it was the old style EPA but I just had to take in the original documents to the bank and my id, and it was sorted within days. I am also a NatWest customer so I’m not sure if that makes a difference

I had to attend Specsavers 4 times to clear my ears, but they only charged me once £55

Therefore your relative may need more than one session

I also put olive oil in my ears to assist

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Apply for a

Bus pass

Blue badge for parking

Both need photo ID

When I had to invoke LPoA (Barclays), I phoned first. They made an appointment for me to go to a branch with my ID (3 lots) and DH's statements, cards, etc. They recorded everything, photographed me with my ID and that was it. I have a debit card and do online banking but I'm not allowed to use the app, which is a bit bloody stupid, IMO.

specsavers will come to the house to do hearing aids

I had to take the LPA (they made a copy and gave back the original) plus my photo ID and proof of address (bill issued within last 3 months - I used my council tax bill). I had to speak on the phone with the banks POA department once the branch staff had confirmed my ID and that the paperwork was genuine. It took 5 days for them to set me up with online and phone banking and a couple more days for me to receive cards.

You need to prove who you are. To be the attorney.

Not your dm.

I did this recently.

once the LPA was granted all I needed to do was generate an authentication code and send it to the bank.

didn’t have to contact anyone, no one asked the donor if they consented, or even knew.

do they just want photo id? Not to see your mum or speak to her?

I did actually raise a complaint with the bank and the ombudsman as I do believe someone should not be able to use a LPA without the donor being spoken to first. This is off the back of the previous attorney using a LPA without the donor’s knowledge, and then simply emptying all their bank accounts.

so if they are doing checks that the LPA is legit I would applaud that. However just asking to see id doesn’t do that, as I could grab my donor’s id and take it to the bank without them even realising.

like pp said does she literally never leave the house? Could she do so with support?

for my donor they also have no current id. But we have had expired driving licences, blue badges, and bus passes accepted.

if she is genuinely housebound and has no id it may be worth getting a provisional driving licence or a passport, or something for id purposes.

It is you as attorney they need to verify

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Check. They should need yours not hers?

Using the donor’s LPA: access codes and View an LPA - GOV.UK https://share.google/YucC9cik7WLEMzYpY