new power of attorney

Errata

The usual alternatives to POA are 1) nothing or 2) Court of Protection guardianship. Depends on whether your mum will need to make finanacial decisions.
For the bank stuff you refer to, perhaps you could devise a workaround ?
For instance, I have my pins, ID's, passwords etc. written on a piece of paper which I keep safe as there isn't a hope in hell I'd necessarily remember the right one at the right time.

Savvy_Sue

You'd go back to the public guardian's office, and ask for you and your dad to be appointed jointly to act for your mum - or you alone if you prefer. Unless there appears to be some reason why you wouldn't be fit people to do this, that shouldn't be a problem.

It is worth giving some thought to: as long as your dad's fine, and if most things are in joint names with either able to act, it's probably not TOO difficult to bumble along as you are, but the minute he finds it all too much / becomes ill / breaks a limb then you could be in a difficult situation. He may not want to think about that kind of situation, but in your position I'd probably be gently suggesting getting things sorted out so that you could handle both their affairs, if necessary.

The new POA allows for the person giving authority to outline the scope of the authority and their wishes in certain areas. That's why it's more complex, and costs more.

PS To my mind, it would be infinitely preferable to give POA to someone than let them have a list of my IDs, PINs and passwords! At least POA is limited to that person, whereas if that piece of paper gets into the wrong hands ... not to mention the fact that the bank won't approve of handing over all the details like that.

Errata

PS To my mind, it would be infinitely preferable to give POA to someone than let them have a list of my IDs, PINs and passwords! At least POA is limited to that person, whereas if that piece of paper gets into the wrong hands ... not to mention the fact that the bank won't approve of handing over all the details like that.

Sorry, I didn't mean to mislead anyone and wasn't suggesting that they were handed over, rather that a written record would act as an aide memoire for the lady. For anyone who has a number of pins, usernames & etc and changes them regularly as recommended it's well nigh impossible to remember them. That's why I have them recorded on a piece of paper.

I'd be interested in suggestions of safer methods that other people use. I can't be the only person that's tried to get cash out of the hole in the wall by entering my work security pin number, realising what I've done and then found my mind go completely blank !

leoetal19

if your mum hasnt got capacity to nominate her own LPA the court would appoint a court deputy-which could be you or your dad-if your mum has fluctuating capacity ie good and bad periods she can still make you her appointee providing she can
1. absorb the basic detials
2. retain the info long enough to
3. weigh it up and
4. communicate her wishes
if she cant do all 4 of these things the court could appoint a deputy-ie you or your dad
hope it all works out

Savvy_Sue

Well, my PINs are all on my mobile phone, but you wouldn't recognise the names that go with the numbers ...

So, if I had a current account with HSBC and a Barclaycard, there'd be separate entries for Harry and Barbara and the last four digits of the phone no would be my PIN for that card.

However, I don't know what I'll do when I can no longer cope with a mobile phone! :rotfl:

Errata

Well, my PINs are all on my mobile phone, but you wouldn't recognise the names that go with the numbers ...

Same here ! What do we do when my house burns down and your mobey goes AWOL :rotfl:

leoetal19

Errata wrote: »

Same here ! What do we do when my house burns down and your mobey goes AWOL :rotfl:

STARVE????:eek: :rotfl: :rotfl:

Biggles

maytaurus wrote: »

That's another thing I wondered about,if my mum can't,where do you go from there?

Are you saying she can't?

First thing (as already posted) is to see whether, on a 'good day', she can understand the concept and agree to granting the power. It would be helpful if her doctor agreed with you that she could and also, possibly, if her doctor was the 'certificate provider' needed for the form.

If not, the next thing would be to see how much your father could do (are their bank accounts joint, is the house in joint ownership?). And make sure you have a PoA in place for your father. It's never too soon, you can only make one before you need one, after that it's too late!

If necessary, you will then have to apply to the Court of Protection. But this is more expensive - and more onerous in terms of accounting for your actions - than PoA.

Loads of information on www.publicguardian.gov.uk

Savvy_Sue

Errata wrote: »

Same here ! What do we do when my house burns down and your mobey goes AWOL :rotfl:

I'm OK - mobyko reminds me to sync my phone, and I can access the numbers online!

But this is slightly off-topic. I think Biggles has got it spot on with what the OP should be doing with his dad.

cashdesk

My wife is going back to her own country in the next few weeks and wants to give me POA over all of her affairs. She has a few debts here and I will be dealing with them on her behalf.

Do we still need this new LPA or can we just have an informal agreement?