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“A Lasting Power of Attorney (LPA) gives you the ability to appoint ‘Attorneys’ who will make decisions about your finances and property or health and welfare if you are no longer able to do so”
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The Financial Conduct Authority does not regulate Wills, LPA’s, Trusts, Funeral Plans and all services deemed to fall under the Estate Planning and Estate Administration services.
Every year, thousands of people become incapable of managing their finances because of illness or injury. (see Office of National Statistics for evidence)
Although nobody wants to imagine it happening to them, making preparations early could save family members at least the headache, if not the heartache.
If a person becomes ‘mentally incapacitated’, a relative or friend would usually assume responsibility for paying the bills – but the process is rarely simple.
Lasting Power of Attorney (LPA) can smooth out some of the bumps by granting a trusted friend or relative the authority to make decisions on another’s behalf.
However, even with this extra power, attorneys have often struggled to fulfill their bank duties because of a lack of awareness about what power of attorney is.
There are two types of LPA – a property and financial affairs LPA, which gives control over financial matters, and a health and welfare version, which covers medication and care. You do not need to have both. Our advisors can help you to establish which one is suitable for you.
An LPA can only be used once it is registered with the Office of the Public Guardian, or the Office of the Public Guardian in Scotland.
*our fee does not include the registration fee of £82 per LPA. You may qualify for an exemption or remission of this depending on your financial circumstances. Our advisors will be happy to advise you during your free consultation.
The Financial Conduct Authority does not regulate Wills, LPA’s, Trusts and all services deemed to fall under the Estate Planning and Estate Administration services.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other secured loans.
Crystal Advice Limited is an appointed representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority, [Maple House, Park West, Sealand Road, Chester, Cheshire, CH1 4RN]
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.
The Financial Conduct Authority does not regulate some forms of bridging loans.
The Financial Conduct Authority does not regulate Wills, LPA’s, Trusts and all services deemed to fall under the Estate Planning and Estate Administration services.
The Financial Conduct Authority do not regulate some forms of buy to let mortgages. We may charge a fee for our service up to 1%. Our typical fee is £500 payable on completion, subject to status.
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
The information contained on these webpages is for information purposes only and does not constitute individual advice. Please contact us to arrange a consultation.
Registered Office: Kings Court, 17 School Road, Birmingham, B28 8JG. Registered No. 9932669. Registered in England and Wales.
