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New power of attorney guide

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  • Primrose
    Primrose Posts: 10,703 Forumite
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    Yes you do still need to leave them blank but send them off as every page is still registered, whether it has information provided on it or not. If some pages were subsequently missing authorities with whom it was lodged would quite rightly think that the document was incomplete and would refuse to register it
  • quietness
    quietness Posts: 24 Forumite
    Thanks for clarifying that for me.:)
  • Primrose
    Primrose Posts: 10,703 Forumite
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    Have received the following email from the Office of Oublic GuRdian which others will also receive in due course. I have decided not to delete my account but to keep it activated in case there is a need at some future point, due to circumstances I can't control for the document to be updated or replaced. Having some the Information still stored there may it simpler to complete the forms next time.


    LPA account deletion

    This email is about the online account you used to create a lasting power of attorney (LPA) at https://www.lastingpowerofattorney.service.gov.uk/home

    Nothing in this email affects any LPAs you’ve already made and registered with the Office of the Public Guardian.

    It’s just about the account: if you’ve registered an LPA, you can safely ignore this mail and keep using that LPA.

    But if you have any draft or unregistered LPAs held on the website, or if you think you’ll want to sign back in the future to look at your documents, then this may affect you.

    If a user doesn’t sign in for 9 months, we close their account and delete all the information associated with it. This is to protect your privacy: we don’t want to hold this data for longer than we need to.

    We will delete your account on 24 June 2019
    If you do want to keep your account, you should just sign in at https://www.lastingpowerofattorney.service.gov.uk/login – that will reset the 9-month timer.

    If your account is deleted:

    LPAs registered with the Office of the Public Guardian will not be affected at all
    unregistered LPA drafts that you only have online will be deleted
    you can register an LPA you’ve already printed out, but you won’t be able to use the service to automatically fill in the other forms you need – this could make things more complicated
    If you’re sure that you’re finished with your account, you can either ignore this email or sign in at https://www.lastingpowerofattorney.service.gov.uk/login and delete the account yourself.
  • quietness
    quietness Posts: 24 Forumite
    When filling these forms in online do they need to be in capital letters?
    The guide says that when filling in by hand to use capitals so wondered about the online forms.
    Thanks
  • Browntoa
    Browntoa Posts: 49,605 Forumite
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    I'd say yes.....
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    Long term forum member
  • frugalfran
    frugalfran Posts: 187 Forumite
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    We have completed POA forms and registered with the Office of Public Guardianship, but now discover that they need to be registered with each and every bank, building society etc we have dealings with. Lloyds needed a 'certified' copy, or the original (which we lodged with our solicitor) - which according to them means certified by a solicitor before they can register them under their system. We believe from web-sites that Tesco and Virgin do not allow access to internet banking for attorneys - so why should we have/put/keep money there?

    We are both well and with it at present, but are trying to plan in advance which is proving far more difficult and time consuming (each appointment at a bank takes at least one hour) than we had ever thought.

    So having the paperwork registered is only half the process, there is a complex time consuming process necessary to ensure that the whole thing is implemented properly. I would love to hear what others think, maybe we have it wrong.....
  • Keep_pedalling
    Keep_pedalling Posts: 20,896 Forumite
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    frugalfran wrote: »
    We have completed POA forms and registered with the Office of Public Guardianship, but now discover that they need to be registered with each and every bank, building society etc we have dealings with. Lloyds needed a 'certified' copy, or the original (which we lodged with our solicitor) - which according to them means certified by a solicitor before they can register them under their system. We believe from web-sites that Tesco and Virgin do not allow access to internet banking for attorneys - so why should we have/put/keep money there?

    We are both well and with it at present, but are trying to plan in advance which is proving far more difficult and time consuming (each appointment at a bank takes at least one hour) than we had ever thought.

    So having the paperwork registered is only half the process, there is a complex time consuming process necessary to ensure that the whole thing is implemented properly. I would love to hear what others think, maybe we have it wrong.....

    There is no need to do this until needed especially if you change banks regularly, and the person you spoke to in Lloyd’s is wrong donors can make their own certified copies while they still have the capacity to do so.

    When I did this for my mother with Barclays I took a self certified copy into a branch and had no problem with it.

    Should ours be necessary we have made things simple by reducing the number of financial organisations we deal with.
  • JGB1955
    JGB1955 Posts: 3,854 Forumite
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    edited 7 June 2019 at 6:03PM
    We've self-certified copies of our (registered) POAs and given them to all 3 Attorneys. I'm hoping they won't need to go anywhere near a bank/financial institution for at least 20 years but, if they do, I have to assume it's in my/our best interests.
    #2 Saving for Christmas 2024 - £1 a day challenge. £325 of £366
  • Primrose
    Primrose Posts: 10,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've been Money Tipped!
    edited 7 June 2019 at 8:27PM
    frugalfran wrote: »
    We have completed POA forms and registered with the Office of Public Guardianship, but now discover that they need to be registered with each and every bank, building society etc we have dealings with. Lloyds needed a 'certified' copy, or the original (which we lodged with our solicitor) - which according to them means certified by a solicitor before they can register them under their system. We believe from web-sites that Tesco and Virgin do not allow access to internet banking for attorneys - so why should we have/put/keep money there?

    We are both well and with it at present, but are trying to plan in advance which is proving far more difficult and time consuming (each appointment at a bank takes at least one hour) than we had ever thought.

    So having the paperwork registered is only half the process, there is a complex time consuming process necessary to ensure that the whole thing is implemented properly. I would love to hear what others think, maybe we have it wrong.....

    I think you raise a valid point here, mainly because

    1. The staff at many banks are very poorly trained in the use of P of A so give customers and attorneys the wrong information. Properly certified copies by individuals are perfectly acceptable if handwritten and signed correctly because the office of Public Guardian themselves give instructions on their website how this should be done. This should be challenged with the bank manager concerned. Don,t be robbed off by a junior assistant.

    2 some banks including those operating online only will not accept P of A. This is obviously an issue if an older person has a savings account with them whilst mentally competent and then loses capacity and an attorney has to step in.

    With an ageing population we need collectively to run a public campaign to get these banks to update the way in which they operate. We have more than one of these types of accounts so I need to start checking with these banks now what would happen if we were to lose mental capacity and an attorney had to step in. If enough people started lobbying these banks might realise they need to update their processes.

    At the moment though there is no law which says a bank is forced to open a new account when somebody is acting as an attorney for somebody but what happens if a bank or online savings account is already open and then an attorney has to step in is another matter.

    Oh damn - another batch of homework I will have to undertake in this respect to put on my domestic To Do list! At the moment all our accounts are joint but if one of us died and an attorney had to step in to act for the survivor I could foresee problems arising. Owe it to our attorneys to clarify the situation while we're still of sound mind.

    Has any attorney found themselves in this situation?
  • pphillips
    pphillips Posts: 1,631 Forumite
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    Primrose wrote: »
    Oh damn - another batch of homework I will have to undertake in this respect to put on my domestic To Do list! At the moment all our accounts are joint but if one of us died and an attorney had to step in to act for the survivor I could foresee problems arising. Owe it to our attorneys to clarify the situation while we're still of sound mind.

    Has any attorney found themselves in this situation?

    If one of you died the attorney would need to produce a death certificate to the bank, the joint account would then become a individual account in the name of the survivor.
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