Cancel credit

GrimaCB

A friends husband is in a nursing home. She has PoA. How to cancel his card?

born_again

Is the POA registered with bank?
If it is should be simple to ring/pop in, explain & cancel.

CliveOfIndia

As above, so long as the POA is registered with the relevant bank/card provider then it's just a case of giving them a call and cancelling.

That's assuming the card has zero balance on it - if there's an outstanding balance then that needs to be sorted out, one way or another, before the card can be cancelled.

Brie

the bank will require sight of the POA as they shouldn't just take someone's word on a matter like this.  It can be a pain if there is no convenient bank branch so it's best to ring the bank's vulnerable customer team and ask for their assistance.  Depending on the bank and possibly the individual you talk to (as customer service varies in any organisation) they may say it must be taken into a branch or that it must be posted to a specific address or that they will be willing to accept a scanned copy emailed to them.  

If posting is the only option then check as well if they will accept a certified copy.  The post office do certifying of documents for a relatively low amount (£12.75? for up to 3 copies of anything, can be 3 different things or 3 of the same).  Photocopying can be done a various places including most libraries if the post office doesn't have their own copier available.  Obviously you would need to pay for the photocopies.  Send the documents getting a postal receipt and ask that they be returned requiring signed receipt.  

If a branch is possible the branch will be able to copy and certify for it's own use and should do so for free.  They would then forward the certified copy to the relevant team on your behalf.  In this case you wouldn't get the copy back as no one else legally would be allowed to use it.  

lr1277

As you don't tell us the friend's husband state, can he sign his name after understanding what is being signed?

When my dad had dementia and couldn't remember details to speak on the phone, he was still capable of signing his name. So we would write letters on his behalf, explain them to him and he would then sign the letter.

We managed to close a number of accounts with one bank this way.

Yes we had POA for his financial affairs but had not registered the POA with this particular bank.

MorningcoffeeIV

Brie said:

the bank will require sight of the POA as they shouldn't just take someone's word on a matter like this.  It can be a pain if there is no convenient bank branch so it's best to ring the bank's vulnerable customer team and ask for their assistance.  Depending on the bank and possibly the individual you talk to (as customer service varies in any organisation) they may say it must be taken into a branch or that it must be posted to a specific address or that they will be willing to accept a scanned copy emailed to them.  

If posting is the only option then check as well if they will accept a certified copy.  The post office do certifying of documents for a relatively low amount (£12.75? for up to 3 copies of anything, can be 3 different things or 3 of the same).  Photocopying can be done a various places including most libraries if the post office doesn't have their own copier available.  Obviously you would need to pay for the photocopies.  Send the documents getting a postal receipt and ask that they be returned requiring signed receipt.  

If a branch is possible the branch will be able to copy and certify for it's own use and should do so for free.  They would then forward the certified copy to the relevant team on your behalf.  In this case you wouldn't get the copy back as no one else legally would be allowed to use it.  

Or they may simply ask for the code to access it directly.

born_again

Brie said:

the bank will require sight of the POA as they shouldn't just take someone's word on a matter like this.  It can be a pain if there is no convenient bank branch so it's best to ring the bank's vulnerable customer team and ask for their assistance.  Depending on the bank and possibly the individual you talk to (as customer service varies in any organisation) they may say it must be taken into a branch or that it must be posted to a specific address or that they will be willing to accept a scanned copy emailed to them.  

If posting is the only option then check as well if they will accept a certified copy.  The post office do certifying of documents for a relatively low amount (£12.75? for up to 3 copies of anything, can be 3 different things or 3 of the same).  Photocopying can be done a various places including most libraries if the post office doesn't have their own copier available.  Obviously you would need to pay for the photocopies.  Send the documents getting a postal receipt and ask that they be returned requiring signed receipt.  

If a branch is possible the branch will be able to copy and certify for it's own use and should do so for free.  They would then forward the certified copy to the relevant team on your behalf.  In this case you wouldn't get the copy back as no one else legally would be allowed to use it.  

One would hope that it has already been registered with bank..