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What is involved in becoming a lasting power of attorney?

4 replies

usernametaken135 · 05/08/2026 08:28

I have recently been asked to take on lasting power of attorney for a distant relative. They don’t have their own children and have alienated other family members hence I was asked. We don’t have much of a relationship.
I want to help but work full time with a young family so I’m worried it will take a lot of time - especially the financial LPA. My relative isn’t very good with money and has got into debt in the past so I worry that I might have to manage this if he loses capacity in the future.
Does anyone have experience of being a LPA - how much time it takes, any specific challenges etc?!
Thank you!

OP posts:
DonaldWheresMaTweezers · 05/08/2026 08:59

I am an LPA for my father. There are two aspects to it - financial and health and wellbeing - so firstly you need to understand which your relative wants you to hold. Health and Wellbeing gives the power to take medical decisions on the person's behalf, e.g. you could decide to put them in a care home.

Also, are you to hold this in sole capacity or with someone else, and if someone else is involved, do you/your relative want you both to be able to act independently (jointly and severally).

There's a lot of form-filling to set it up, and then quite a wait in my experience for it to be registered.

Once you hold it, you have to make sure you can evidence anything you do with it is for the benefit of the donor (your relative). If he still has capacity and is acting for himself at the moment, there shouldn't be too much involved. If you need to act for him, you'll have to get the financial LPA registered with all his financial providers. A challenge my sister and I faced was actually finding out where all my dad's bank accounts were! Then you will need to keep evidence of any transactions so you can show they were legitimately for the donor's benefit.

I don't have experience of managing debt with a LPA - if my father has any, we haven't been able to uncover it. He had a couple of long-unused credit cards that we cancelled for security reasons, and that was a faff and a half, requiring registering for their online banking etc.

It is a big responsibility and particularly as this is a distant relative, it will be harder than it was for my sister and me and our dad, as we at least knew roughly where he banked, what his financial state was etc.

The background of family acrimony in your case is also something I would be wary of - is there a risk anyone might accuse you of misappropriating funds, for example? If you keep good records, that would be easy to disprove, but it would be unavoidably unpleasant. If it were me, I would feel more comfortable doing this jointly with another family member to minimise that risk.

In a nutshell, it's a lot of work for someone you don't have much of a relationship with - do you want to do take this on out of the goodness of your heart?

If no LPA is set up and he loses capacity, eventually someone will need to apply for Court of Protection for him - this is even more hassle and expense to set up than LPA as you have to get evidence of loss of capacity and pay court fees ( we did it for our mum) and then a similar situation managing it moving forward. So that is also something to bear in mind.

Wishing you luck whatever you decide.

ElizaSchuyler · 06/08/2026 13:13

My dad had LPOA for a family friend who had no children. It did take up quite a lot of his time. Not so much at first (although he did have to spend a lot of time extracating her from catalogue debts as she didn't understand what she was signing up to) but as she declined he had to deal with everything, carers going in (and her refusal to engage), then when she went into hospital and finally findind and arranging a residential home.

godmum56 · Yesterday 08:35

usernametaken135 · 05/08/2026 08:28

I have recently been asked to take on lasting power of attorney for a distant relative. They don’t have their own children and have alienated other family members hence I was asked. We don’t have much of a relationship.
I want to help but work full time with a young family so I’m worried it will take a lot of time - especially the financial LPA. My relative isn’t very good with money and has got into debt in the past so I worry that I might have to manage this if he loses capacity in the future.
Does anyone have experience of being a LPA - how much time it takes, any specific challenges etc?!
Thank you!

My experience is quite old before the system changed and it was time consuming. I would not go so far as to say don't do it but I would say in the circumstances that you describe think long and hard....and then think long and hard again. Its a serious and responsible thing to take on even for someone you know well and are close to. If he is already unreliable with money, TBH it sounds like a bit of a nightmare.

godmum56 · Yesterday 08:39

DonaldWheresMaTweezers · 05/08/2026 08:59

I am an LPA for my father. There are two aspects to it - financial and health and wellbeing - so firstly you need to understand which your relative wants you to hold. Health and Wellbeing gives the power to take medical decisions on the person's behalf, e.g. you could decide to put them in a care home.

Also, are you to hold this in sole capacity or with someone else, and if someone else is involved, do you/your relative want you both to be able to act independently (jointly and severally).

There's a lot of form-filling to set it up, and then quite a wait in my experience for it to be registered.

Once you hold it, you have to make sure you can evidence anything you do with it is for the benefit of the donor (your relative). If he still has capacity and is acting for himself at the moment, there shouldn't be too much involved. If you need to act for him, you'll have to get the financial LPA registered with all his financial providers. A challenge my sister and I faced was actually finding out where all my dad's bank accounts were! Then you will need to keep evidence of any transactions so you can show they were legitimately for the donor's benefit.

I don't have experience of managing debt with a LPA - if my father has any, we haven't been able to uncover it. He had a couple of long-unused credit cards that we cancelled for security reasons, and that was a faff and a half, requiring registering for their online banking etc.

It is a big responsibility and particularly as this is a distant relative, it will be harder than it was for my sister and me and our dad, as we at least knew roughly where he banked, what his financial state was etc.

The background of family acrimony in your case is also something I would be wary of - is there a risk anyone might accuse you of misappropriating funds, for example? If you keep good records, that would be easy to disprove, but it would be unavoidably unpleasant. If it were me, I would feel more comfortable doing this jointly with another family member to minimise that risk.

In a nutshell, it's a lot of work for someone you don't have much of a relationship with - do you want to do take this on out of the goodness of your heart?

If no LPA is set up and he loses capacity, eventually someone will need to apply for Court of Protection for him - this is even more hassle and expense to set up than LPA as you have to get evidence of loss of capacity and pay court fees ( we did it for our mum) and then a similar situation managing it moving forward. So that is also something to bear in mind.

Wishing you luck whatever you decide.

Regarding Court of Protection no one HAS to set this up to them in terms of requiring a friend or relative to do it. If no one is willing or able then it can be done through Social Services. I mention this because you appear to imply that the OP might need to do this if she doesn't accept the LPA. She won't unless she chooses to.

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