LPA Kent

Tel : 07771 527810

Lasting Power of Attorney

Starting from £250.00

  • Paul has been one of our most trusted and customer focused business advisers and document specialists. He is a true professional.

    Tudor Price (Deputy CEO, Kent Invicta Chamber of Commerce)
  • Paul has been one of our most trusted and customer focused business advisers and document specialists. He is a true professional.

    Tudor Price (Deputy CEO, Kent Invicta Chamber of Commerce)
Some of you may already have LPAs in place for elderly relatives but have you considered an LPA for yourselves?
It is especially important to have LPAs if you're married, in a civil partnership or the main provider for your family. You may have assumed that if you were incapacitated, your spouse would automatically be able to deal with your bank account, mortgage and pensions, as well as making decisions about your healthcare. This is not the case! Without an LPA, they won't have the authority!
Take a look at this powerful video, courtesy ageUK

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Lasting Power of Attorney rebate!

UK residents who have recently made a Lasting Power of Attorney urged to check eligibility for a refund

Between 2013 and 2017, £77 million is still unclaimed.

The Government is urging people to check their eligibility for a lasting power of attorney (LPA) fee refund, after almost two million people were overcharged by the Office of the Public Guardian (OPG) between 2013 and 2017.

Claimants can expect to receive a refund of up to £54, with any accrued interested since the registration was made.

So far, only 200,000 of the 1.8 million people owed have claimed their refund. In total, £12 million has been paid out, with over £77 million yet to be claimed.

An LPA is an important legal document that gives a loved one the power to make decisions on behalf of a family member when they can no longer do so, for example if they lose mental capacity. There are two types of LPAs; one for property and financial affairs and the other for health and welfare.

Anyone who feels as though they are due a refund has until February 2021 to apply. It takes about ten minutes to claim online and applicants only need the donor’s bank details and a copy of the LPA, if they have it.

To apply for a refund visit:

If you need help or more information about making a claim, there’s a Refunds Helpline you can contact, either via telephone on 0300 456 0300 or email

The exact amount will depend on when the registration was made, and claims must be made by 1st February 2021.

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Joint bank accounts do not offer any financial protection, unlike a Lasting Power of Attorney (LPA). When an LPA is activated, the attorney's activity will be supervised by the Office of the Public Guardian (OPG). The activity of joint bank account holders is not monitored by any governing body, meaning that individuals are relying entirely on the goodwill of their relatives.

A Quarter of Over-45s Have Access to a Relative's Bank Account

Despite this, a significant number of adults in the UK are giving their family members unregulated access to their finances. In a recent survey* of 2000 over 45 year olds, a staggering 25% said that they have access to a relative's bank account who isn't their spouse.

Of these, 18% have access to their relative's bank card or the log in details to their online banking, while 7% have set up formal joint bank accounts. Of those that have set up joint accounts, over 35% said this was with a parent, with 18% having a joint account with a sibling. 

By setting up joint accounts with relatives or granting them informal access to bank accounts, people are potentially putting their finances at risk. Often issues only come to light after death, when bank accounts come under closer scrutiny and evidence of financial abuse may surface. This can cause significant distress for those left behind and can also add years to the Probate process.

Furthermore, this type of arrangement can also place the family member (who was added to the account) in a position whereby they could face allegations of financial impropriety after the account holder's death, because they weren't accessing the account under the correct legal process of using an LPA. 

Another major consideration when holding a joint account with a family member is that upon death the account and its contents will automatically pass into the name of the surviving owner. This means that the money may not be included as part of the deceased person's Estate and not distributed in line with the terms of their Will.

A more secure and legally robust way for someone to grant a relative access to their finances is to put a Lasting Power of Attorney in place.

Of those surveyed, 79% said that they don't yet have a Lasting Power of Attorney in place. Despite what you may think, it's really quick and easy to set up an LPA with professional support, and with LPA Kent, it costs from just £195.00 for a single LPA.

*Survey data courtesy Co-op Legal Services. All rights acknowledged.

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LPA KENT is a trading style of Nextlevel Mentoring Ltd.

Company No: 07515347

01233 840688

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