Registering an LPA with NatWest for a housebound elderly parent

[MorticiaLiverish]

We are currently in the process of getting an LPA for my 85yr old mum.

I went onto the website of her bank (NatWest) to see what the process would be for registering it with them once it is approved. They state that they will need photo ID from my mum, which she doesn't have, or she will need to call into a branch to it. The issue here is that she has no passport or driving licence and is housebound and can't physically go to a branch.

Has anyone come across this before and know a way around it?

Have you spoken to NatWest?

A passport photo can be one that has been taken at home. Although, there’s always the risk it will be rejected.

Does she literally never leave the house, even with support?

Are you sure it is hers and nor your Id ?

Should be you as the lpa person who needs to show ID .
Not the account holder

Check

She leaves the house once per month to go for Chemo therapy and even that is a struggle, hence why we are tryoing to get an LPA sorted as soon as possible.

I haven't actually spoken to NatWest, am just going by what is on their website, as I assume they wouldn't speak to me they would want to speak to mum and she is very hard of hearing and can't hear people on the telephone. Getting hearing aids sorted is a whole other issue, its a nightmare!

What's the point in photo id if they don't know her or what she looks like, the photo could be anyone. Can't they do online facial checks

For everythng lpa registration formy relative it was my ID they wanted
Have you got the digital ID from govt gateway

It does say upload a selfie, which we could do, but they also want photo ID. She maybe has an old passport and/or driving licence somwhere but they will both be expired and the website says they need to be in date.

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

Check. They should need yours not hers?

That's helpful, its all so confusing perhaps it is my ID they want, that's not a problem! I've got something from the Govt Gateway I will have to log in and have a look, i didn't think of that so thanks!

It is you as attorney they need to verify

Power of Attorney | Mandates types | NatWest https://share.google/u3JRqYxlcoKvmuLDH

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.

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

Not your dm.

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.

Thanks everyone for your help, I think I'm getting myself into a tizz as I'm stressed with it all and their website isn't clear. You have all helped

specsavers will come to the house to do hearing aids

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.

They've been, one ear is blocked with wax which they couldn't shift so they were unable to do the hearing test. They suggested contacting her GP to get a referral to ENT at the hospital but the GP replied to say that there was no NHS funding for clearing ear wax so they couldn't refer anywhere and we should contact a private audiologist. We have, they told us to contact the GP!

Apply for a

Bus pass

Blue badge for parking

Both need photo ID

Just search mobile ear wax removal Earwax Removal | Low Cost One Ear or Both Ears | Microsuction https://share.google/hGwlgaleOYnSQdT1P

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

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

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

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.

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!

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.