Power of Attorney guide discussion

dzug1

But why do you want the cheque book changed? It's totally unnecessary. I didn't ask either of the banks that I have registered a Power of Attorney with to do so and I doubt they would have been prepared to do so had I asked.

You are running the accounts on behalf of the relative - you are not taking them over. That would be beyond your powers as attorney

Biggles

dzug1 wrote: »

But why do you want the cheque book changed? It's totally unnecessary. I didn't ask either of the banks that I have registered a Power of Attorney with to do so and I doubt they would have been prepared to do so had I asked.

It seemed to be standard with Lloyds. When I registered with them to operate my mother's account, I received a cheque book saying, instead of 'Mrs A Biggles', 'Mr B Biggles, POA for Mrs A Biggles'. I guess it helped explain the signature to the recipient.

John_Pierpoint

bagLady5 wrote: »

bagLady5
We are dealing with Barclays re POA for an elderly relative and they want us to open an account with them, to know our financial affairs, income etc. We were amazed that they would not do anything until we complete all of this. We had the POA & our Passports with us, but that was not enough. They said that their Solicitor would have to see the POA and check it !

We asked for forms to take away to complete and return - as we live a distance away from our relative, but were told that it was all done on the computer and it would take 1.5 hours ! All we wanted was to have the cheque book changed to show that we are acting for our relative. Now, we have to spend money on petrol, hotel etc, all because of Barclays ! I think I will ask them to cover our costs.

A friend told us that the FSA does not mention anything in their literature re financial status of the POA, or having to open an account with Barclays, in order look after our relatives affairs of this relative.
Anyone else come across this with Barclays ? Any helpful advice would be most welcome.

I am having a similar form of nonsense with another financial institution that wants me to take the paperwork along to a solicitor and get it sworn and endorsed. I already have an account in my personal capacity with this institution.

I've sent them a copy of the 11/12 tax return demand and asked why, if I am acceptable to HMRC, I am not acceptable to a common or garden financial institution. Watch this space.

10 years ago when I was in this position with my mother; she was reasonably compos mentis but a "twitch" meant her signature was somewhat erratic; we went to the bank
(HSBC) and I was signed up as "authorised signatory" on her bank account. That was what I would write next to my signature on mum's cheques.

My only experience of the local staff at Barclays was that they did no know what it was that they were not allowed to do. Avoid like the plague.

alanq

Biggles wrote: »

It seemed to be standard with Lloyds. When I registered with them to operate my mother's account, I received a cheque book saying, instead of 'Mrs A Biggles', 'Mr B Biggles, POA for Mrs A Biggles'. I guess it helped explain the signature to the recipient.

#

I queried this with NatWest and was told that now there is no cheque guarantee card there was no need to issue an extra cheque book. My signature would now be acceptable on my mother's cheques. I haven't tried it yet as my mother is more than capable of signing her own cheques at present.

nealh

I have just been given a PoA by the Office of the Public Guardian. As a result I am now in process of contacting 35 organisations to prove my rights. It is a 'complete pain'. As a result I have started a campaign to force institutions to confirm a PoA electronically with the OPG Register rather than needing a piece of paper from the Attorney. PLEASE support it so it can make a positive change for the 300.000 people a year who have to do what I am doing now. Thanks. The link to the questionnaire is:
http://www.change.org/en-GB/petitions/office-of-the-public-guardian-mandate-that-financial-institutions-check-the-opg-register-electronically#
Please copy and paste in your browser and sign up.:)

ecclesto

First of all, I have just sent all the paperwork off for the Court of Protection. I phoned them up twice to help with the form and they were marvellous! As my mum earns less than £12,000 in her pension I did not have to send any money off with it so hopefully it won't cost me a penny and no solicitor involved. Yes, it is time consuming but not that difficult!

"An illness, injury or disability requiring 24/7 care is not social care.

Only social care is means tested and if the person has assets over certain thresholds, then they are expected to pay/contribute"

My mum has dementia, hence the Court of Protection and needs constant supervision so does the above quote apply? Will we have to pay for her in a care home, she does not need nursing as such.

nealh

Please draw the attention of your friends to this. I have contacted age Concern and other media in the hope of harnessing the 300.000 who have to deal with PoA difficulties. West Bromich Building Society want me to send 15 pages to them so i can access my Mum's cash for her care home!

dzug1

alanq wrote: »

#

I queried this with NatWest and was told that now there is no cheque guarantee card there was no need to issue an extra cheque book. My signature would now be acceptable on my mother's cheques. I haven't tried it yet as my mother is more than capable of signing her own cheques at present.

I can confirm all works perfectly with Natwest with either signature.

Gilbo

Biggles wrote: »

It seemed to be standard with Lloyds. When I registered with them to operate my mother's account, I received a cheque book saying, instead of 'Mrs A Biggles', 'Mr B Biggles, POA for Mrs A Biggles'. I guess it helped explain the signature to the recipient.

I've had the same with my mum's account with Lloyds. The trouble is ALL new cheque books have this on, and I can't now get one just for her in her name. I'm going to order a copy with the POA statement and tell her to just sign it with her signature. but she'll probably have kittens as she can't cope with anything out of the usual.

Gilbo

Per my last post, I had to check this with Lloyds to give my mum peace of mind. It took forever, but Lloyds finally confirmed that either of us can sign as techniclly both our names are on the cheque book.