Finance LPOA enaction

[Thatsasmashingblouseyouvegoton]

Hi,

Mum has both POAs and I'm the attorney

After a recent dx of cognitive decline she would like to enact the financial POS now which I believe is possible

I'm getting nowhere on google. POAs were registered with the OPG in 2015

Any help would be really appreciated thank you

If you have registered LPA you can use them now - did your mum tick the box to say it could only be used once she has lost mental capacity? If so, check with each institution what they will need - I have found banks etc to have wildly different requirements. I assume they will need some kind of letter from her Dr confirming that she no longer has capacity.

my dad ticked the box so that the LPA could be used now so it was straightforward to register with the banks - I took the original with my ID into the branch.

Oh I don't know ill check thanks

It's registered as its stamped March 2015

But I can't see anything about enacting now?

Or does mum just phone bank etc?

Or Who can I get Advise

Wtf is going on with the formatting on the app!?

The original paperwork will have an embossed stamp on each page if the LPA has been registered. You will need to get some certified copies done as some financial institution will want to keep a copy of the LPA on file and the advice is never allow the original out of your sight! You get the original certified by getting a solicitor to sign each sheet and use a stamp with specific wording. There will be a charge for this but it varies so shop around.

Mums bank wanted us to go to a local branch for a meeting with someone from the Power of Attorney team to discuss the different options, sign some forms and then they took their own copy of the original papers. As they returned the original to me, I checked that each sheet of paper was still there, I’d heard stories of sheets being left on photocopiers or lost! Hence why you never post it to them!

Some organisations required an electronic copy, her energy company for one and also the DWP, in order for you to act as her attorney. I scanned the certified copy into my lap top so I could email it as required and also print off new copies - I understand that strictly speaking this is not allowed but I have a good quality printer and it was impossible to see that it was a print out!

You really need to phone every organisation to find out what requirements they have, it’s quite time consuming and you do need to be methodical in order to keep track of things!

Your mum shouldn't have to do anything.
I agree to never letting the original out of your sight! We did my dad's last year so we can use the e version which has been amazing (for those institutions that accept it).
speak to the banks and see what they need - I found Santander really helpful.

Hi

Thank you!

I've checked and I think it's a copy bit not sure
I'll have to ask mum if she's got the original

There's a stamp

Not embossed

Doesn't say certified copy though 🤔

Problem is she'll need to write and sign each page

She can't really do that :(

Oh yeah for the certified copy, no she won't but as a PP said a solicitor will be able to do it for you for a fee.
I haven't needed a certified copy, the bank should be able to take their own copy if you go into branch. Depends on who you are dealing with.

First direct
No branches :(

Will HSBC branches not do it for you?

No branches locally at all

There might be one 20 miles away

Hmm then I guess you either take the risk and post the original (OPG Will provide an office copy if it gets for a fee but you can't replace an "original" LPA) or pay a solicitor to certify a copy.

Yeah

I'll send the original by recorded post I think

You can pay a solicitor to make a certified copy, but they will charge for this. We found every institution wanted something different. But if your mum still has the capacity to do it she can ask for you to be a 3rd party on her bank account which will make it legal for you to do whatever is needed.