Best banks if you have Power of Attorney

HobgoblinBT

My experience with HSBC and Santander was good.  I completed and submitted a digital form together with a POA access code so I didn’t have to submit the original POA.  I have telephone access to the account with HSBC but the internet banking is more difficult. 

Of the two, the easiest is Santander as the POA account appears as another account on my personal Santander bank account online banking and I have been able to update the account name as it appears to me to “dad”.  I have been able to increase the daily payment limit sufficiently to enable me to set up and make payments for my father’s care home fees. I have possession of my father’s Santander debit card and unlike the poster above don’t think the card has been cancelled.

Both banks have enabled me to change address to my address upon my father entering a care home and have noted their records as to where he resides.  

Panzer21

So more and more banks are now going on line and closing high street branches Thus restricting access to their services. To verify a new account a normal person only has to complete an online application and possibly provide 1 digital copy (usually via e-mail) of a photo id such as a picture of a driving licence (not verified by anyone and not checked against any official database eg DVLA. However if you have an LPA in place and registered with the government website and therefore a verified copy is accessible via a Secure link Verified by the UK Government. However so far I have contacted 3 banks & building societies 2 are online only (no branches) and they issist I have to get a fully certified copy of my lpa quite often together with a further document downloadable from their website with further real signatures and POST this (cost of recorded delivery not included) Before accepting my application. Obviously we seem to be living a world where the Equality act does not apply to our banking system?!

eskbanker

Panzer21 said:

So more and more banks are now going on line and closing high street branches Thus restricting access to their services. To verify a new account a normal person only has to complete an online application and possibly provide 1 digital copy (usually via e-mail) of a photo id such as a picture of a driving licence (not verified by anyone and not checked against any official database eg DVLA. However if you have an LPA in place and registered with the government website and therefore a verified copy is accessible via a Secure link Verified by the UK Government. However so far I have contacted 3 banks & building societies 2 are online only (no branches) and they issist I have to get a fully certified copy of my lpa quite often together with a further document downloadable from their website with further real signatures and POST this (cost of recorded delivery not included) Before accepting my application. Obviously we seem to be living a world where the Equality act does not apply to our banking system?!

Obviously it's inconvenient that some (not all) institutions require certified documents rather than accepting the online access codes, but how is that a breach of the Equality Act?

HillStreetBlues

I manage an account with a POA with Nationwide, looks like they are a bit overdrawn.

Baled

Today I attended my dad's NatWest branch to register as PoA on his account. He still has full capacity. My daughter and I are named as PoA (joint and several) but it seemed to cause great confusion for the staff that I was registering alone and she wasn't with me. 

The staff member used the form which I had completed by hand to complete and submit the online version of the same form on their system which is fairly ridiculous to me.

They also advised that the department the paperwork has gone to may insist my daughter provides her ID and details as well but as it's a joint and several LPA then surely she wouldn't have to if she didn't want to?

The whole experience did not inspire much confidence to be honest.