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I am not sure if this is the correct section for this??

 

I have taken this out of a letter sent to the Finance Mail.

N.L. wrote: I have power of attorney over my mother’s financial affairs.

 

This lady accompanied her mother to her local bank, where they signed papers so that on her death (they were told by the bank) there would not be any problem accessing her account. They also went to another bank and were told exactly the same thing. (all they would have to do is produce the power of attorney on her death)

her mother has since died.

 

However on approaching the banks (obviously she needed money for funeral expenses etc;) she was told that the bank had frozen the account and taken back the debit card she held.

 

The answer she was given was that the bank was right to freeze the account—and wrong to advise her that she could use her mother’s account after her death.

 

They stated that a straightforward power of attorney ceases to have any effect when the person who dies. At this point, it is the executors who have control of the deceased’s assets.

 

My question is this is there a different’s between a power of attorney and a lasting power of attorney? and would a lasting power of attorney have allowed this lady to continue drawing on this account?

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They certainly can't refuse funeral costs

Simply send them the bills

Or do it through the sols dealing

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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a persons granted PofA (in whatever form) wld cease upon that persons death. then dependent on the will/admin of estate.

 

'Your LPA will end automatically when you die. Your affairs will be looked after by your executors or personal representatives from that point, not your attorney.' gov.uk

IMO

:-):rant:

 

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They certainly can't refuse funeral costs

Simply send them the bills

 

They aren't obliged to release funds from a frozen bank account, although banks will often do so if asked (and if so they will pay the money direct to the Funeral Director). It's at Bank's discretion, the Executor/person arranging the funeral can't insist that funds are released. When I've been an Executor I've found it better to deal with the the specialist bereavement centre which most of the main High St banks have, rather than the local branch where the account is.

 

https://www.moneyadviceservice.org.uk/en/articles/paying-for-a-funeral

 

https://www.bereavementadvice.org/topics/the-funeral/paying-for-a-funeral

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which is exactly what I said...they cant refuse funeral costs.

why wind them up by involving other people

simply ask...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
which is exactly what I said...they cant refuse funeral costs.

why wind them up by involving other people

simply ask...

 

And what everyone else is saying, as has happened in this case, is that they CAN refuse.

They have asked and been told no.

Now only the executor can release the funds.

By sending bills to the bank etc now would just waste time in an already difficult period. They are best getting the executor to release the funds.

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which is exactly what I said...they cant refuse funeral costs.

why wind them up by involving other people

simply ask...

 

I posted exactly the opposite. They can refuse, it's at a bank's discretion.

 

What do you mean 'just ask'? I'm not asking anything, I'm offering the OP my advice based on my experience as an Executor and having had to arrange funerals.

 

Why would linking to guidance from Bereavement Advice and Money Advice Service wind up the OP? It seems to me it's helpful advice for anyone arranging a funeral and wanting to know if money can be released from the deceased's frozen bank account, I can't imagine why anyone would be wound up by their non-controversial guidance.

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