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Frequently Asked Questions

It's important to get it right first time

To ensure you’re confident in arranging a Power Of Attorney with us, we’ve put together a few helpful questions below. However if there’s anything we haven’t covered then please get in touch.
01. What is a Lasting Power of Attorney (LPA) ?
An LPA is a legal document that lets you appoint one or more people to make decisions on your behalf.
02. Do I really need an LPA?
In short, yes, we need to plan for our future. Some of us are unfortunate enough to know first hand the difficulties of dealing with banks, pension providers, etc. for a loved one who lacks mental capacity. An LPA goes a long way to relieving this strain.

Unfortunately, there are 850,000 people with dementia in the UK, with numbers set to rise to over 1 million by 2025. Once a person loses mental capacity it’s already too late to set up an LPA.
03. What’s the cost?
£185 per Lasting Power of Attorney : Our fee of £103 + the Office of Public Guardian charge of £82 for registration.

For this we ensure the following:

• The information provided is acceptable to the OPG (ensuring the Donors wishes aren’t in contradiction to the type of LPA selected)
• The signature dates are compliant (we’ll help you with this)
• We have a qualified Financial Adviser available for a chat if needed (weekends & evenings are fine with us!)
• Post completion call with tips & ideas on what to do next
04. What’s the process and how long with this take?
About 15 minutes to fill in our online forms (or over the phone if you prefer). Within 1 working day we will post you the documents to sign and return to us in a pre-paid envelope.

Once we’ve had these back, we will do our final checks and register the LPA with the Office of Public Guardian (OPG). The OPG take approximately 15 weeks to process and return the documents. We’ll then forward these to you and give you a courtesy call with tips and ideas of what to do next.
05. Can I cancel my LPA?
If you still have mental capacity to do so you can. As long as you still have mental capacity, you can make changes to your LPA. All changes made to an existing Power of Attorney must go through the Office of the Public Guardian.

Telephone: 0300 456 0300 Monday to Friday - 9am to 5pm, except Wednesday - 10am to 5pm
06. Who can I choose as my attorney?
Anyone who is over 18 can be an attorney. In the case of an attorney appointed to a Property and Financial Affairs LPA, he or she must not be a bankrupt. When choosing your attorney(s) it is important to choose someone you trust to look after your affairs.
07. What can an attorney do once appointed?
This depends on whether any restrictions on their power have been included in the LPA document.

However an attorney must:

• make decisions that are in the donor’s best interests
• only make decisions that they are enabled to by the terms of the LPA
• not delegate powers they have been given to others, unless authorised to do so; and
• maintain the donor’s confidentiality

There are some things that the attorney cannot do. For example, an attorney cannot:

• sign a will on behalf of the donor
• act in circumstances in which their power is expressly limited or forbidden by the donor
• make gifts on the donor’s behalf except in limited circumstances
• make decisions that are not in the donor’s best interests
• make decisions using a health and welfare LPA unless the donor has lost mental capacity; or
• consent to the donor’s marriage or divorce

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Giving you more control over what happens to you if you have an accident or an illness and can’t make your own decisions.

Help with your application

We're here to support you; not sure what to do or have a few questions? Request a call back and a qualified adviser will be in touch.