You decide what your attorney can do when you make the Lasting Power of Attorney arrangement. This can include:
Cards and chequebooks
If we issue a card to your attorney, we’ll need to cancel yours. That’s because there can only ever be one cardholder. However, you can both hold a chequebook. If you’d prefer to cancel yours, you or your attorney can just let us know.
When a Lasting Power of Attorney is registered with us, you or your attorney can choose which address you’d like all future mailings to go to.
Savings account statements can only be sent to this address.
However, current account statements can be sent to more than one address, so you can choose for you and your attorney, or all your attorneys if you have more than one, to receive them.
If you’re unable to use online banking, we will consider providing your attorney access.
They’ll need to contact us so that we can talk through and assess the situation with them.
Your attorney can manage your card and make repayments to it.
Your attorney can make payments to your mortgage and help to manage it on your behalf.
A power of attorney agreement allows an attorney to deal with your mortgage and property, unless you have stated otherwise within the document. You or your attorney can talk to us to find out more.
What an attorney isn’t allowed to do
Attorneys are not allowed to:
- Run up an overdraft on your account
- Make payments using your credit card
- Take out a loan in your name.
Safeguarding and security
It's very important that you only give a Lasting Power of Attorney to someone you trust. You need to be sure they will act in your best interests, because you're allowing them to carry out transactions on your behalf for which you will be responsible.
For your protection, we may sometimes refuse transactions or contact the Office of the Public Guardian to discuss them.