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With EPAs, they need registering with the OPG when the donor loses capacity, and designated family members/contacts have to be informed and can object.
Remember all informants in any group have the opportunity to object. You can't inform one child and not the others, for example. That can considerably affect timescales. If the donor has taken an unregistered EPA and future attorney to the bank they should allow it to used whilst the donor has mental capacity. But staff may not be used to EPAs.
With LPAs, you can register with the OPG any time and then use with consent until the donor loses capacity. You don't have to inform anyone else. Which is how one or two unscrupulous people who visit the house have got LPAs registered for grandparents without their, or anyone else's knowledge.
If you've have not made a mistake, you've made nothing2 -
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