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Power of attorney query

(36 Posts)
Maybelline1234 Thu 27-Apr-23 10:16:15

Hi everyone…any advice welcome.

My dad has just gone to a care home suddenly. He has made a will but no power of attorney ever [POA]? Has lost mental capacity and will not regain. Elderly and frail. Unsure how long he has left. He shared until 6 weeks ago and still legally owns, half a house with his brother who still lives there. Latter have joint bill bank account together but everything else is separate. My dads brother cannot access any of his brothers funds now legally. My dads bank savings is over the £23k amount so this money will provide self funding care fees for about a year. A social worker is allocated but is yet to assess and I’m awaiting contact. I’m as son down as next of kin.. I understand the process of a financial assessment needs to be done and the deferred payments option on the house etc. The main equity is in the house which my dad and her brother share. The care home are asking me to sign forms as I’m NOK and be a guarantor for the fees which I absolutely do not want to do. I have no bank funds to draw on currently at the level of £5 k a month , the care fee, and don’t want to do this even if I could claim bank later as I have my own house and mortgage. My uncle will not go for POA as simply doesn’t want to be involved. My uncle plans to await my dads death and then will sell the home as the will dictates he can do and then only on his death will my dads half of the house be free for inheritance to his grandchildren. Of course if a deferred payment is in place a lot of this will have gone on in care fees. So my question is if neither my uncle nor myself wants POA what will happen. Just to say I’m a trustee of a child’s inner and so have done that for years hence not wanting to take on any more. My uncle states they have taken legal advice and POA is costly and takes more than a year hence them not doing it. Nil was set up re LPA pre my dad losing capacity. Cant believe this is happening. So stressed by it all. I did try to influence my dad when he was CM but he told me not to interfere. My uncle does t want to talk anything legal with me.

Thanks for listening. All advice welcome.

Germanshepherdsmum Sat 13-May-23 13:11:58

This is true, if a paper system is used.

Primrose53 Sat 13-May-23 11:24:49

Germanshepherdsmum

That says average waiting time is 91 days and one family waited 983 working days - we don’t know why but it’s a fair guess that there were mistakes in the application. Do it through a solicitor to minimise the chances of making mistakes and apply for registration straight away,

But it also says the Probate Registry lost a solicitor’s forms so it seems there is not much you can do once it has left your or the solicitor’s hands.

Germanshepherdsmum Fri 12-May-23 20:52:05

That says average waiting time is 91 days and one family waited 983 working days - we don’t know why but it’s a fair guess that there were mistakes in the application. Do it through a solicitor to minimise the chances of making mistakes and apply for registration straight away,

Primrose53 Fri 12-May-23 20:28:20

Germanshepherdsmum

Is that when you apply online or when your solicitor sends it off for registration? Where did you read it?

Here you go GSM

www.thisismoney.co.uk/money/news/article-12064321/The-families-waiting-1-000-days-power-attorney.html

Germanshepherdsmum Fri 12-May-23 19:59:17

Is that when you apply online or when your solicitor sends it off for registration? Where did you read it?

Primrose53 Fri 12-May-23 19:56:31

I read just yesterday that POAs are now taking up to 1,000 days to process and in some cases people have sadly passed away before they are approved.

Germanshepherdsmum Fri 12-May-23 16:52:52

It takes a while as I recall!

GrannyGravy13 Fri 12-May-23 15:57:23

Germanshepherdsmum

No, sorry, I meant GG, whose post was the latest when I was writing. A solicitor will always advise doing it straight away, but perhaps sometimes people do them online and don’t follow through to registration as it’s an extra cost - I don’t know as we too used a solicitor.

Just waiting for the paperwork and the registration due date then they will be complete.

Germanshepherdsmum Fri 12-May-23 15:41:21

Indeed. It takes a while for registration to be completed and in the meantime there is no access to the donor’s money or official status to dictate the health care they would or wouldn’t want.

Moonwatcher1904 Fri 12-May-23 15:37:09

It is quite costly Germanshepherdsmum but it can be a costly nightmare for remaining relatives if it's not done. I wouldn't have been happy for my daughter to be left with any problems.

Germanshepherdsmum Fri 12-May-23 15:18:13

No, sorry, I meant GG, whose post was the latest when I was writing. A solicitor will always advise doing it straight away, but perhaps sometimes people do them online and don’t follow through to registration as it’s an extra cost - I don’t know as we too used a solicitor.

Moonwatcher1904 Fri 12-May-23 15:12:24

Germanshepherdsmum

I hope you’ve registered the PoAs too, so they can be used immediately that becomes necessary - which I hope it won’t.

If you mean me Germanshephersmum, yes. We did ours with a solicitor and it's on it's way to the Office of Public Guardianship to be registered.

Germanshepherdsmum Fri 12-May-23 15:05:23

I hope you’ve registered the PoAs too, so they can be used immediately that becomes necessary - which I hope it won’t.

Moonwatcher1904 Fri 12-May-23 15:04:16

Me and DH have done our wills and POA this year. Having big problems with my elder daughter my youngest and her partner who we trust completely are now our two designated people named to act for us. I have also got myself and DH a book each which will give them all the contacts for everything eg Energy company, Sky, passwords for websites etc. These books also contain pages where you can write all your wishes for after you have passed such as what you want writing on any social media sites to your contacts. Well worth while thinking about.

GrannyGravy13 Fri 12-May-23 15:03:48

DH and I have just done our POA’s on line via the Government website. It was relatively easy and far cheaper than using a solicitor.

Next is our wills, definitely using a local solicitor as they will be rather complicated.

Germanshepherdsmum Fri 12-May-23 14:42:17

We should all do this. It saves our loved ones from going through what you did - which is by no means untypical when suddenly dropped into that situation - and it gives peace of mind that your affairs are in order.

Sago Fri 12-May-23 14:32:47

As next of kin, I pleaded with my late mother to organise POA, she went to her solicitor and told her that I was coercive and wanted access to her funds.
(I found the letter from the solicitor to my mother stating this)
As a result the solicitor advised her not to proceed, my mother didn’t think to put someone else forward.

9 months later after a severe urine infection my mother lost capacity.
I found her a nursing home and arranged for fees to be deferred, however there was a mix up and the local council ended up pursuing me for £35,000!

Her 4 bedroom house was haemorrhaging money, I couldn’t do a thing, every time I went to clear and maintain I had to have someone with me as I really had no right to be there and she had told friends and neighbours that I stole from her.

On top of running a business, my own home and hers dealing with my mothers affairs became hugely stressful.
One day I got a final demand of nearly 40k from the council in the post along with a letter telling me her nursing home was closing, I had a my first ever panic attack.

I was awaiting deputyship to come through , my husband had managed to sort the nursing home arrears and got the council to admit they had not put the deferred payment plan in force.despite having all the paperwork.

In this time I was pretending to be my mother on the phone to try and stop bills such as Sky, every kitchen appliance that was insured (£240 a month) all the charities she had signed up to, broadband etc.

Eventually I got deputyship and was able to sort the finances then sell her house, I managed a private sale through a neighbour but unfortunately she was a bent solicitor who spun it out for months then demanded I pay her £3,500 toward the cost of rewiring and some pointing, she was going to get a mortgage for the full amount and pocket the cash.
My solicitor advised to give her a 72 hour deadline for the agreed amount but to be prepared to lose the sale.
I called her gave her the ultimatum and reiterated that I would not be prepared to pay her a bean, she paid up!

The organisations I had to deal with, COP, Adult Services, Council tax, HMRC NS&I etc were all dreadful with the exception of HSBC who went above and beyond, they were so kind.

I cleared the house alone over a two week period, it was cathartic, I hated the house and all the unhappy memories it held, I didn’t want anyone else there with me.

The week I sold the house and breathed a sigh of relief Covid hit.
The one advantage was I didn’t have to visit my mother and
the first glorious weeks of lockdown gave me the much needed time to heal, I really believe that if I had had to continue to work I may have had a breakdown.

My mother was a nasty woman with severe NDP, however if she had just done the one thing and organised POA then she would have made mine and my husbands life so much easier.

She died in June 2020, if I told you the story of the parish priest and the funeral, I really don’t think you would believe me!
She was the gift that kept on giving!

Please, please make sure you have given POA and made a will.
To not do this is selfish behaviour.

Silvergirl Fri 12-May-23 11:25:07

Thank you very much GSM. That has clarified it for me.

Germanshepherdsmum Fri 12-May-23 11:00:13

No. The person has to lack mental capacity. If they have capacity the correct thing is for them to grant power of attorney. If you do nothing and wait until the person has become incapable of managing their affairs (which could happen in an instant due to, say, a stroke) there will be a delay before deputyship is obtained during which time all manner of difficulties may arise as their money can’t be accessed. Gambling with someone’s wellbeing in this way is not to be recommended.

Silvergirl Fri 12-May-23 10:46:57

Just one question out of curiosity really. Are you allowed to go to the court for deputyship if the elderly person is of sound mind? If so, it sounds like it may be a simpler and cheaper process than Power of Attorney. Also, would it possibly be a feasible idea to have a “wait and see” approach. Do nothing until the person becomes mentally incapacitated, then go for deputyship. After all many people die while still being of sound mind which means POA is never required.

Grantanow Fri 12-May-23 09:31:15

It has to be the Court of Protection if mental capacity is absent. Do not agree to be a guarantor - there is no legal obligation to become one.

Madgran77 Fri 28-Apr-23 17:49:14

You cannot get POA anyway as your dad has lost mental capacity. You would need to go to Court of Protection

You absolutely must not agree to be a guarantor. Get legal advice and go from there

So sorry you are dealing with this; I know how hard it is flowers

M0nica Fri 28-Apr-23 13:42:02

Do not agree to be a guarantor, no matter how much pressure they put on you, how ever much they try and emotionally blackmail. Just stand there and say No, No, No, No. Refuse even to discuss the issue.

I have been subject to the kind of pressure put on people from all sources when dealing with a situation like this. Just say NO, end of discussion.

Maybelline1234 Thu 27-Apr-23 16:37:15

Hi everyone. Thank you all so much. It’s been really helpful.

Liz

Sago Thu 27-Apr-23 15:00:13

I should add the cost to me was about £400 with an annual audit charge of £60.
I think I claimed this out of my mothers estate.