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UK legal, insurance, employment, benefits, statutory services Advice offered by HDA Moderators relates to current UK law or guidelines

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Old 11-02-13, 05:27 PM   #1
pat
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Join Date: Sep 2010
Location: essex
Posts: 82
Default Lasting power of attorney

My Husband has HD and last year we decided to get Power of Attorney, my eldest two sons and myself are named on it. We sent it off to his pension co,bank and mort company, everything ok so we thought. My eldest son has applied for a mortgage and been declined, they have done the credit score and said he already has a mort, well he hasn't, so we have chased it and found out if you are named on Power of Attorney, it effects your credit rating. Now we have the problem of removing him, more costs.
It is worth having Power of Attorney if you already have a mort etc, but not worth being named on one if you haven't. Now our solicitor is trying to sort this mess out.
Just all beware.
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Old 11-02-13, 08:00 PM   #2
Cupcake
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Join Date: Mar 2011
Location: East Anglia
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Default Re: Lasting power of attorney

This is news to me, last year we did similar thing with our sons. I had no idea of the consequences of this, neither of our sons have mortgage yet. Keep us posted on update outcome.

Hope u r ok, take care xxxxxx
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Old 13-02-13, 01:46 PM   #3
pat
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Default Re: Lasting power of attorney

Quote:
Originally Posted by Cupcake View Post
This is news to me, last year we did similar thing with our sons. I had no idea of the consequences of this, neither of our sons have mortgage yet. Keep us posted on update outcome.

Hope u r ok, take care xxxxxx
Yes will do still battling with Mortgage company. Nightmare.

Speak soon

xxx
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Old 20-02-13, 02:07 PM   #4
MuddyMitts
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Join Date: Jul 2012
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Default Re: Lasting power of attorney

I'm not sure who you're using but that's really terrible.

I did furrow my brow a bit as my sister got her mortgage in principle with Halifax through a broker last month, and I had one agreed in principle last year with Principality through my IFA. We've both had financial power of attorney for our dad for a couple of years and it never came up. Did your son go through a broker or IFA? It might be worth speaking to a good one if not. x
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Old 02-06-13, 08:45 PM   #5
mattmill144
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Join Date: Jun 2013
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Default Re: Lasting power of attorney

This is really new for me. Last year I had a power of attorney for my kids and got mortgage in principle with Halifax through a broker. I have no idea about IFA. Good to read about this. Thank you.
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Old 17-06-13, 02:53 PM   #6
Badoon82
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Join Date: Jan 2011
Location: Liverpool
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Default Re: Lasting power of attorney

Hi Everyone

my dad has HD, i know we HAVE to sort out Lasting Power of Eterney BUT i just dont know where to start!!!

I know we have to speak to my dad about it first & i think that is why it has sort of been put off! I am so dreading bringing this up but it has to be done :(

Can anyone please point to in the direction of where i should start, what i need to start & costs ect

Thank you & Kind Regards
x
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Old 17-06-13, 09:51 PM   #7
dennisw
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Join Date: May 2007
Location: South Cumbria
Posts: 847
Default Re: Lasting power of attorney

Hi,

There are two aspects of Power of Attorney, Financial and Health. Here is a link to the main web site on the subject
http://hda.org.uk/resources/lpa

It is possible to complete the forms yourself, but many people use a solicitor. There is a cost for registration and if you use a solicitor there is there fee. You are looking at £200 t0 £500 dependent on who does it.

The other thing linked to health is an Advance Directive to Refuse Treatment. There is a fact sheet about this on the main HDA web site.

Dennis
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