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::POA's - do we really need them?

(122 Posts)
Franbern Tue 03-Feb-26 10:04:32

My two eldest daughters are very helpful and caring to me. I am in my mid-80's, with several medical conditions. Fortunately, my mental health, in all aspects is pretty good. Both my parents were totally compus mentus up until the day they died.

Both these AC know full details on my monies, etc. Know where I keep all my passwords and all matters dealing with my bank account, etc. My paperwork with regard to my flat is in good order in a file. And they know where I keep that and all other papers including my will (of which they each have a copy) I do trust both of them implicetly

On several occasions I have suggested that I should have POA's both financial and social made out in their names, and each time they tell me NOT to do this. Not because they are unwilling to take on the responsibilities involved, but because they say it is a totally unnecessary expense.

They know my wishes if I became seriously ill, etc. and as my next of kin would be the ones consulted by Doctors, etc. They could and would be able to continue with my financial arrangements. Virtually all my regular payments are on Direct Debit, so there would be no change there.

Both are professional people, with a good knowledge of these things. Yet, I keep being told that I SHOULD take out these POA's.

Would be interested to hear from other people on this

GrannySomerset Mon 09-Feb-26 19:21:27

Well done, Franbern. Once done and registered you can forget all about it, knowing that you have made life easier for your daughters.

SueDonim Mon 09-Feb-26 19:49:48

Good result, Franbern! 👍

Liz46 Mon 09-Feb-26 19:58:25

I was at my mum's solicitor about something and as we were leaving, he gave us a POA form and said 'fill that in'.
We did and thank heaven for that as my mum got dementia a few years later.
I have completed a POA.

NotSpaghetti Tue 10-Feb-26 11:53:48

Good news Franbern
I do hope they turn out to be a total waste of money and you never need them!
grin

silverlining48 Tue 10-Feb-26 13:40:18

I have been on the obige with them today.
The number is 0300 456 0300. A bit if a wait, or else email
[email protected]

silverlining48 Tue 10-Feb-26 13:41:54

Phone ….

M0nica Tue 10-Feb-26 20:26:58

Make sure your daughters are named as attorneys 'severally and together' so that if anything happens to one of them - and it can happen, the other can still act.

A friends parents set up POA's just naming their daughter and SiL as attorneys, but without those three extra words. He father died and her mother developed dementia and was without capaccity. Then my friend's husband died suddenly - and that meant the POA was void as her husband was no longer there to act with her. This meant that as well as dealing with the shock and trauma of her husband's death she had to spend 3 or 4 months arranging a new POA through the Court of Protection, plus finding money from her own resources to pay her mothers care home feess until the POA cam through.

NotSpaghetti Tue 10-Feb-26 20:54:21

Or, on a less terrible note, sometimes one may be out of the country and not easy to contact

Franbern Thu 12-Feb-26 08:47:07

M0nica

Make sure your daughters are named as attorneys 'severally and together' so that if anything happens to one of them - and it can happen, the other can still act.

A friends parents set up POA's just naming their daughter and SiL as attorneys, but without those three extra words. He father died and her mother developed dementia and was without capaccity. Then my friend's husband died suddenly - and that meant the POA was void as her husband was no longer there to act with her. This meant that as well as dealing with the shock and trauma of her husband's death she had to spend 3 or 4 months arranging a new POA through the Court of Protection, plus finding money from her own resources to pay her mothers care home feess until the POA cam through.

Monica thanks for this advice.

Franbern Sat 14-Feb-26 14:43:54

Okay, so I have spent some time today looking at the forms on line. They look very straight forward to me, but I note that both my daughters will need to sign to say they have agreed. That will mean I will have wait to complete it when I see them next.
Anyone who had completed and registered these themselves. Did you actually fill them in on-line? or did you print them off and fill them in by hand?
I think I would prefer the latter.
they do not look very complicated, and give lots of advice on each page as to what is required.
Thanks to whoever it was who let me know that as I am in receipt of Pension Credit I do not have to pay the registration fee which is currently £184 for the two.

I am debating in my mind as whether to inform my other three children about these and how that would go down.

Be grateful for any advice from anyone who did these forms without going to a solicitor or the like

SueDonim Sat 14-Feb-26 15:30:11

Yes, they have to agree to take on the task, hence their signatures are needed. You could always post them by registered post to your DD’s, if you want it done and dusted asap.

Dh and I have it for each other and then our dd has it. We ran it past our other three children and they were happy with the arrangement. They all get on well with each other anyway, so it won’t be an issue for them.

aonk Sat 14-Feb-26 16:37:29

Sadly 3 years ago my neighbour’s DH died. He had been very ill and steadily deteriorating for some time. She was told by her GP that if strong pain relief was needed at weekends she should call 999. The ambulance came, administered the medication and then said they would take him to hospital. My neighbour said that it had been agreed that he would stay at home until the end. They refused to allow this. Fortunately for her she had a POA. After a lot of discussion and emailing to a central organisation it was agreed that he should stay at home.
He died peacefully 2 days later.

NotSpaghetti Sat 14-Feb-26 18:49:53

I did the ones for us and my mother-in-law.
Yes, I printed them off.

Just make sure you get the signature timeliness correct.

My sister in law posted theirs between her children for signatures.
You can do it!
flowers

crazyH Sat 14-Feb-26 19:10:45

I have just done mine and have them. I really hope I have done them correctly.
It was a job to try and get my children to sign the forms - they were either working or away .
Now I’m waiting to hear from the OPG, to confirm that the POA has been registered. 🤞

M0nica Sat 14-Feb-26 20:43:59

yes, do let your other children know. That may be compulsory.

SueDonim Sat 14-Feb-26 21:34:33

I don’t think it is compulsory, Monica. I had POA for my mother but she changed it to my brother without me being notified. I only found out when she became incapacitated and the hospital asked me to invoke it. The solicitor told me I was no longer the POA and under confidentiality rules, they couldn’t tell who it now was. It didn’t take a Poiret to work out who it was of course!

SueDonim Sat 14-Feb-26 21:35:15

couldn’t tell me

Primrose53 Sat 14-Feb-26 21:45:48

Franbern

Okay, so I have spent some time today looking at the forms on line. They look very straight forward to me, but I note that both my daughters will need to sign to say they have agreed. That will mean I will have wait to complete it when I see them next.
Anyone who had completed and registered these themselves. Did you actually fill them in on-line? or did you print them off and fill them in by hand?
I think I would prefer the latter.
they do not look very complicated, and give lots of advice on each page as to what is required.
Thanks to whoever it was who let me know that as I am in receipt of Pension Credit I do not have to pay the registration fee which is currently £184 for the two.

I am debating in my mind as whether to inform my other three children about these and how that would go down.

Be grateful for any advice from anyone who did these forms without going to a solicitor or the like

There is a section on the forms asking whether you need to notify other people and, it is your decision. If you feel that the two children you have chosen to be your POAs are sufficient and you do not need to notify others then you complete the form accordingly.

Mum and I used the print off forms and filled them in by hand.

Franbern Sun 15-Feb-26 08:55:16

Thanks for replies. I am going to print these off and complete them. One of my daughters lives nearby and I see her regularly, the other one I will send it to her by post for her signature. Will get these done and dusted over next few weeks. Was astonished at how much local companies are quoting to do these for (with) me.

Fortunately, I am perfectly able to do these without their assistance and will cost me nothing.

Very grateful of all the advice in this forum though

NotSpaghetti Sun 15-Feb-26 09:34:37

Re being told - I was sent a letter saying you have been nominated by (mother-in-law) and if you object you have x weeks to do so formally.

Madgran77 Sun 15-Feb-26 13:15:18

Franbern

Just to say a big Thank you to you all. Had a wonderful few days away visiting friends and family, etc. Had a long talk with two eldest daughters and both now happily agree to me making out both POA's with them being named,

Brilliant!