Power of Attorney

Barkin

Nasqueron said:

Barkin said:

Nasqueron said:

Zanderman said:

Nasqueron said:

What bank sends a verification to buy shopping?

I would guess, though OP doesn't say, that as OP is in London and Gran is in Preston, these grocery purchases are online orders. And online orders often need verification.

I think a cheap PAYG phone is the way to go here and link to the account as an alternative

And continue misusing gran's account?
Properly registering the POA is the correct thing to do.

What do you mean by "link to the account? 

I didn't say continuing to misuse the account hence getting the phone rather than trying to put the person's account on their own phone.

Get the proper cards, get her a phone linked to the account to send authorisations to (which the OP stated in the first post, she doesn't have) then they can do it properly

Carrying on as before, but with another phone to use for gran's account, is misuse of that account.

Done properly, by registering the POA with the bank, there's no need for another phone... 

GrubbyGirl_2

I have a feeling that this is an informal arrangement rather than a legal one simply because of the terminology being used.  If it is a formal Lasting Power of Attorney this has to be registered with the Office of the Public Guardian first and then formally registered with the bank so that they can given access to her account.  I have a suspicion that this is an informal arrangement when gran has said they can use her bank card to get shopping for her and that is not power of attorney at all.  If it is it is a very hazardous arrangement especially if something goes wrong

Zanderman

GrubbyGirl_2 said:

I have a feeling that this is an informal arrangement rather than a legal one simply because of the terminology being used.  If it is a formal Lasting Power of Attorney this has to be registered with the Office of the Public Guardian first and then formally registered with the bank so that they can given access to her account.  I have a suspicion that this is an informal arrangement when gran has said they can use her bank card to get shopping for her and that is not power of attorney at all.  If it is it is a very hazardous arrangement especially if something goes wrong

As OP has confirmed, in their reply to Keep_pedalling, that they will contact the bank to get a card of their own, it seems unlikely to be an informal arrangement. More likely an actual PoA that simply hasn't been used properly yet. But only OP can confirm one way or the other.

Edited to add - the PoA may not be the LPA assumed here, it could be the basic Ordinary PoA, though I'm not sure whether banks would accept that.

GrubbyGirl_2

Zanderman said:

GrubbyGirl_2 said:

I have a feeling that this is an informal arrangement rather than a legal one simply because of the terminology being used.  If it is a formal Lasting Power of Attorney this has to be registered with the Office of the Public Guardian first and then formally registered with the bank so that they can given access to her account.  I have a suspicion that this is an informal arrangement when gran has said they can use her bank card to get shopping for her and that is not power of attorney at all.  If it is it is a very hazardous arrangement especially if something goes wrong

As OP has confirmed, in their reply to Keep_pedalling, that they will contact the bank to get a card of their own, it seems unlikely to be an informal arrangement. More likely an actual PoA that simply hasn't been used properly yet. But only OP can confirm one way or the other.

Edited to add - the PoA may not be the LPA assumed here, it could be the basic Ordinary PoA, though I'm not sure whether banks would accept that.

If it's a POA rather than LPA then it must have been written up more than 17 years ago, but I'd be interested to know which one it is

Nasqueron

Barkin said:

Nasqueron said:

Barkin said:

Nasqueron said:

Zanderman said:

Nasqueron said:

What bank sends a verification to buy shopping?

I would guess, though OP doesn't say, that as OP is in London and Gran is in Preston, these grocery purchases are online orders. And online orders often need verification.

I think a cheap PAYG phone is the way to go here and link to the account as an alternative

And continue misusing gran's account?
Properly registering the POA is the correct thing to do.

What do you mean by "link to the account? 

I didn't say continuing to misuse the account hence getting the phone rather than trying to put the person's account on their own phone.

Get the proper cards, get her a phone linked to the account to send authorisations to (which the OP stated in the first post, she doesn't have) then they can do it properly

Carrying on as before, but with another phone to use for gran's account, is misuse of that account.

Done properly, by registering the POA with the bank, there's no need for another phone... 

Why would they need the phone? Gran has the phone, confirms the transaction code is legit, lot better than OP having her account on their phone to do all the authorisations themselves and stops the worst case of them syphoning the money (not that they would but it does happen)

Zanderman

GrubbyGirl_2 said:

Zanderman said:

GrubbyGirl_2 said:

I have a feeling that this is an informal arrangement rather than a legal one simply because of the terminology being used.  If it is a formal Lasting Power of Attorney this has to be registered with the Office of the Public Guardian first and then formally registered with the bank so that they can given access to her account.  I have a suspicion that this is an informal arrangement when gran has said they can use her bank card to get shopping for her and that is not power of attorney at all.  If it is it is a very hazardous arrangement especially if something goes wrong

As OP has confirmed, in their reply to Keep_pedalling, that they will contact the bank to get a card of their own, it seems unlikely to be an informal arrangement. More likely an actual PoA that simply hasn't been used properly yet. But only OP can confirm one way or the other.

Edited to add - the PoA may not be the LPA assumed here, it could be the basic Ordinary PoA, though I'm not sure whether banks would accept that.

If it's a POA rather than LPA then it must have been written up more than 17 years ago, but I'd be interested to know which one it is

You're assuming Enduring or Lasting PoA. I'm suggesting Ordinary PoA (not the same as either) as a possibility. 

See https://www.lawsociety.org.uk/public/for-public-visitors/common-legal-issues/power-of-attorney#:~:text=An ordinary power of attorney,solicitor as your 'attorney'.

blue.peter

Zanderman said:

Edited to add - the PoA may not be the LPA assumed here, it could be the basic Ordinary PoA, though I'm not sure whether banks would accept that.

Yes, they do.

When my father died in 2016, my mother asked me and my no. 1 sister to look after her finances for her (as our father had done since they were married, 60+ years earlier). We did so using a general power of attorney. Her banks accepted it.

(We've since had to register her Enduring Power of Attorney with the Office of the Public Guardian, and now operate under that authority. The EPA was registered with the banks in 2022.)

Barkin

Nasqueron said:

Barkin said:

Nasqueron said:

Barkin said:

Nasqueron said:

Zanderman said:

Nasqueron said:

What bank sends a verification to buy shopping?

I would guess, though OP doesn't say, that as OP is in London and Gran is in Preston, these grocery purchases are online orders. And online orders often need verification.

I think a cheap PAYG phone is the way to go here and link to the account as an alternative

And continue misusing gran's account?
Properly registering the POA is the correct thing to do.

What do you mean by "link to the account? 

I didn't say continuing to misuse the account hence getting the phone rather than trying to put the person's account on their own phone.

Get the proper cards, get her a phone linked to the account to send authorisations to (which the OP stated in the first post, she doesn't have) then they can do it properly

Carrying on as before, but with another phone to use for gran's account, is misuse of that account.

Done properly, by registering the POA with the bank, there's no need for another phone... 

Why would they need the phone? 

Dunno - you suggested it!

Done properly, another phone wouldn't be needed.