Power Of Attorney Problem.

le_loup

....... I wonder?

WoodruffsDad

le_loup wrote: »

....... I wonder?

I am well versed with computers having used them since the 1980s.

I inputted the correct information which did NOT work and when I tried to 'phone the helpline HSBC rejected my mother-in-law's birthdate and she has been with the bank for about 50 years!

henm2

Go back into the HSBC branch by appointment. Take your copy of the power of attorney with you just in case.

The staff will be able set up internet banking for you although my understanding is that the set up procedure for third parties like yourself is a bit complicated. Get the staff to print out the relevant procedure and ask them to follow it line by line.There are two parts to the set up 1. registration 2. activation of the 'secure key'. Do not leave the branch until both parts have been completed and you are confident you are able to log in successfully.

Cheque books, paying in books etc stay in the account holder's name. As the power of attorney would appear to have been already registered and processed with the bank you will be for example able to cash cheques as you can just sign them yourself.

henm2

WoodruffsDad wrote: »

I inputted the correct information which did NOT work and when I tried to 'phone the helpline HSBC rejected my mother-in-law's birthdate and she has been with the bank for about 50 years!

As a registered third party (as from the processed power of attorney) when using HSBC's telephone banking service the DOB input should be yours not your mother-in-laws.

WoodruffsDad

henm2 wrote: »

As a registered third party (as from the processed power of attorney) when using HSBC's telephone banking service the DOB input should be yours not your mother-in-laws.

The telephone helpline asked for mother-in-law's sort code and/or debit card number. Why would they ask for my date of birth?

Secondly, both my wife and I are registered for POA. Which DOB should I enter, hers or mine?

I bank with a different bank and I regularly use their internet banking and telephone services. It's a doddle compared to HSBC. Their internet banking is impossible to set up and their telephone service is non-existent. They are truly terrible!

henm2

You enter your DOB because that identifies which third party is using the telephone banking service. Each of you should have been set up for this. Your mother in laws own telephone banking access will have been suspended/locked out.

Once set up both telephone banking and internet banking is easy to use and secure.

As I said before get the staff to follow their procedures to the letter as third party internet banking is complicated to set up.

WoodruffsDad

"Get the staff to follow their procedures".

Thank you for your help but I'm sorry but the staff at our local HSBC where we had to go simply did not have a clue how to set up a POA. We made 4 visits in all and it still doesn't work properly. I just am not wasting time off work by going in again and facing a wall of incompetence.

I think I'll stick to using mother-in-law's cheque book to pay her bills!

le_loup

........ now I wonder if your attitude here is reflected in your dealings with HSBC and if so, that's why you're having problems which others are not?
Just a thought.

WoodruffsDad

le_loup wrote: »

........ now I wonder if your attitude here is reflected in your dealings with HSBC and if so, that's why you're having problems which others are not?
Just a thought.

Not at all. I have been the epitome of civility and friendliness towards them. My attitude to HSBC is caused by dealing with them over the past few months. I find them inflexible, lacking knowledge of their own procedures and very, very unhelpful.

Maybe it's just my local branch who are truly dreadful but dealing with my own bank is as smooth as silk compared to dealing with HSBC which makes me want to throw up my hands and lie down in a darkened room!

Goldiegirl

You don't have to stick with HSBC if you don't like them ....why not open a POA account at your own bank.

Now that you have the authority to deal with your mother in laws affairs you can take all financial decisions on her behalf, if they are in her best interests, including switching banks