Lasting Powers of Attorney

Without the appropriate planning in place,
there are significant repercussions for your loved ones

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5.0
Based on 191 reviews
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An illness, or an accident leading to mental incapacity, can take away your ability to make everyday decisions about your finances and welfare.

Since the introduction of the mental health act in 2014, if you lose mental capacity, through an accident or ill health, NONE of your relatives can make decisions for you, as they have not been ‘authorised’ to do so. The only way they can act, is if you have made Lasting Powers of Attorneys and they have been registered with the Court of Protection. As part of this legislation, did you know all personal AND joint bank accounts are frozen indefinatly.

The costs implications of retrospectively obtaining authority, to act for a person who has lost mental capacity, from the Court of Protection, are significantly greater and typical timescales are a minimum of nine months. During which time, all financial and heath decisions are made by the Court of Protection for the person who has lost mental capacity.

Powers of Attorney means that those decisions will be made by someone who knows you well and has your best interests at heart. Once you have lost mental capacity, it’s too late to put a Lasting Power of Attorney in place. Without them, those decisions may be made by the Courts.

Growing older, loss of mobility, illness or injury can make it difficult or impossible to manage your affairs. This can become stressful if bills go unpaid or you are unable to manage your personal affairs and welfare.

By creating a Power of Attorney in advance, ensures that if the worst were to happen, you can rest assured that both your financial affairs and personal welfare are in safe hands.

Having someone you know and trust and more importantly understands you, to manage your affairs, is far more preferable than a Court official.

In practical terms, that would mean that that if you are incapacitated, your chosen family member or friend could deal with your bank, solicitor, Estate agent and government agencies, making sure your affairs are kept in order.

We all like to think that we will never need this kind of planning. The truth is that the vast majority of people would benefit from having a Power of Attorney in place. If the unthinkable happens, you can be confident that someone you trust is managing your finances and other affairs. Without planning for this, you may end up incurring the costs and disorientation of a Court appointed official to tend to your financial wellbeing.

A Power of Attorney gives someone you trust the legal right to manage your affairs, if you are physically or mentally unable to

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Frog Financial Management
5.0
Based on 191 reviews
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Greg and the team at Frog were brilliant in helping us prepare our finances and then arrange the porting of our mortgage for our recent house move. Greg provided consistent support and tailored advice whenever needed, and made the mortgage process as stress free as possible. The Frog team also helped us with setting up some better life protection for ourselves and our kids. We would highly recommend Greg and the team at Frog to anyone looking for mortgage specific or broader financial advice.
Chloe Taylor
Chloe Taylor
1746859208
As a first-time buyer, I had a lot of questions—and Greg was absolutely brilliant at answering every single one with patience and clarity. He was always super responsive and made the whole mortgage process feel much less overwhelming. Charley was also fantastic, helping me sort out buildings insurance quickly and efficiently while walking me through all the details. Danni took the time to explain all the insurance options thoroughly and in a way that made sense. Everyone I dealt with was friendly, knowledgeable, and incredibly supportive. I can’t recommend them highly enough!
Samah Hussain
Samah Hussain
1745263797
We were recommended Frog Financial by some friends who had recently bought their first house, and we couldn't be happier! Greg was amazing from start to finish, keeping us informed throughout the process and always on hand to answer any questions we had. Charley also helped us find the right Buildings & Contents insurance for us, and had everything sorted & ready for exchange. We'll definitely be recommending the Frog team to any friends buying their first place!
Megan Griffin
Megan Griffin
1744626325
Frog were incredibly helpful when I approached them for a mortgage recommendation. Craig really took the time to understand what I needed and was very supportive throughout the process. Mortgages and the jargon around them can seem very overwhelming, especially to a first time buyer, but Frog made it a lot less stressful. Would definitely recommend!
Carla van der Sluijs
Carla van der Sluijs
1743416068
I can’t recommend Charley highly enough! From the very start, she made the process of getting my building and contents insurance seamless. She provided me with a list of options, sent detailed and informative emails, and was incredibly flexible, kind, and patient throughout.The whole experience has been fantastic, professional, efficient, and stress-free. The member portal is another great addition, making everything even more accessible and straightforward.I was so impressed that I even told my solicitor to recommend Charley to her clients. If you’re looking for someone who truly goes above and beyond, Charley is the one to trust. 100% recommend!
Tannaz Rastegar
Tannaz Rastegar
1742216810
I went to Frog for mortgage advise on buying a second property. Initially Greg provided me with various options available to me and spent the time explaining the pros and cons of each. This made choosing the right option very easy, feeling confident with my choice. Likewise, Charley was a great help with finding me the right insurance for my new property and landlords insurance.
Denis Bywaters
Denis Bywaters
1742048349
Thoroughly professional and superbly efficient service. Moving home is stressful enough. My buildings insurance was at least one thing I did not have to worry about.
Se7en Group
Se7en Group
1741021620
I cannot recommend Frog enough. They have been so helpful and supportive.They have helped us to buy our first home and they were a huge helping hand when we had no idea where to start.Thank you so much for making the house buying process almost completely stress free.
sophie Stockton
sophie Stockton
1739186324
We were recommended Frog by a family friend, and they have been absolutely brilliant through the whole house buying process. As first time buyers, the whole team has been so supportive always answering phone call and emails. Greg was so supportive when it came to our mortgage inquiries, very helpful and personable. Charley and Danni have been so helpful with insurances and Will writing, and we look forward to using them again in the future.
Sammy Isaacs-Johnson
Sammy Isaacs-Johnson
1739185463
Frog Financial are definitely well worth a 5 star review, Greg and the team are fast, efficient and professional and always seem to put the customer first.
Nick Jones
Nick Jones
1738007477
Frog financial management services provided us excellent help during purchase of our sweet first home in UK. Greg our advisor was very helpful, soft spoken person. Despite of my limited visa, Greg helped us to get mortgage with best available rate in the market.Highly recommended
Mukesh Singh
Mukesh Singh
1737024771
I couldn’t recommend Frog Management more. Greg made the mortgage application process really easy for my boyfriend and I who were first time buyers. I’d first been in touch with Greg a year prior when we started our property search and once our offer was accepted I got straight back in contact with Greg who was prompt to get everything moving for us. I would highly recommend Frog Management!
Danielle Louise
Danielle Louise
1735329775
The team at Frog have been fantastic throughout the entire process. Providing great advice and having a proactive approach, I can't recommend them enough!
Aaron
Aaron
1734177339
The whole team at Frog were outstanding for us. Greg was our contact for our Mortgage application and he couldn't have been more helpful. He was always available and happy to help with anything, very knowledgeable and we really felt like he wanted the best for us. Charley and Danni also assisted us with insurance cover and they were very helpful and knowledgeable when it came to understanding the policies. They regularly checked in to see if they could help with the whole process, which was greatly appreciated. All the team made the house moving process that bit less stressful and are thoroughly recommended.
Sam E
Sam E
1734009636
I recently worked with Charley to set up my contents insurance, and I couldn’t be happier with the experience. She was incredibly knowledgeable, professional, and took the time to explain all the details of the policy, ensuring it met my needs perfectly.The process was smooth and efficient, and Charley made sure I understood exactly what was covered and how the policy worked. She also provided excellent customer service, answering all my questions promptly and with patience.I highly recommend Charley to anyone looking for reliable insurance advice and support. Thank you for making this process so easy and stress-free!
Maliha Zaidi
Maliha Zaidi
1733993639
I can't recommend Frog Financial Management enough!They were friendly, helpful and really responsive. It really felt they went above and beyond for us (saving us a few extra quid too).
Tom Roberts
Tom Roberts
1733169929
Had a great experience with Frog Financial management. They work proactively, give good advise and are always quick on the ball. Would very much recommend.
Jolijn Bronneberg
Jolijn Bronneberg
1732717048
If you're looking for mortgage, insurance or any other financial protection advice, you really couldn't do any better than Greg, Charley and the rest of the Frog team. Since putting our house on the market, Greg was very quick to respond and generous with his time - always explaining things clearly and what our options were. With Frog's support, we had trust that we were making the right choices for our family.
Owen Adkins
Owen Adkins
1728940246
The team at Frog are oustanding. A big thanks to Charley (who is amazing) at helping with my home insurance.Thank you very much
John Vassallo
John Vassallo
1727261810
I can't thank Frog Financial enough! They made buying our first home so easy and stress free. Greg was so helpful throughout the whole process and really took time to explain things in detail. The rest of the team were also super helpful and proactive and so responsive to our emails and phone calls. I honestly cannot recommend them enough!
Tom Harding
Tom Harding
1727018918
Greg, Ruth & the whole team at Frog Financial have been amazing at securing mortgages for myself and my sister. We have had lots of changes & challenges and they have been very helpful & quick at responding to multiple questions! For myself, being self employed, Greg worked wonders to find a lender that worked. Fingers crossed until it all completes!
sarah heduan
sarah heduan
1725377138
I highly recommend Frog Financial Management. Charley is fantastic, so helpful and sorts us out every year. Than you
Lesley Ashton
Lesley Ashton
1724154889
Can't recommend Craig and his team enough! Amazing family ran business who will work tirelessly to provide you the best service. Got us exactly what we wanted and was always just a phone call away if we had any queries or needed some advice and support.Will definitely be using them again.
Sacha Podda
Sacha Podda
1724067412
I could not recommend using Frog financials more!They are quick to reply to any queries via email and on the phone. They provide well informed advice and are exceptionally friendly when answering questions.I will definitely be using them again in the future!
Katie Bryden
Katie Bryden
1723557747
Greg and the team have been super helpful throughout the whole mortgage process! Greg has explained each part of the application with great detail to make sure we understand it fully. They were prompt in their replies and made this a completely stress-free experience, highly recommend!
Emma Hooley
Emma Hooley
1722871153
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More essential reading on Lasting Powers of Attorney

You may have heard of an Enduring Power of Attorney (EPA) and be aware that this was replaced in October 2007. EPA’s set up prior to 1st October 2007 remain valid, however, it should be noted that if the Donor is believed to be becoming, or is mentally incapable of managing their affairs, then the Attorney(s) have a duty to register the EPA with the Court of Protection.

It cannot be simply assumed that the Donor has lost mental capacity and Attorneys must follow the principles of The Mental Capacity Act 2005. Copies of the Code can be obtained from Her Majesty’s Stationary Office.

If you hold an Enduring Power of Attorney and still have mental capacity and can make decisions for yourself (i.e. the EPA is unregistered) it is advised you make a Personal Welfare LPA to run in conjunction with the EPA.

So, what has replaced EPA?

These have been replaced with three different documents:

  • A Lasting Power of Attorney (LPA) for Property and Financial Affairs
  • A LPA for Health and Welfare
  • A General Power of Attorney

Please note these Powers are only applicable to England and Wales.

An LPA for Property and Financial Affairs gives authority to the appointed Attorney to handle property and financial matters for the Donor.

The Power extends to all matters concerning the Donor’s finances; this could include selling property belonging to the Donor, (including the Donors home), buying property in the Donor’s name, managing bank accounts and investments, continue to run their business and make decisions about the Donor’s healthcare and payment for this care.

An LPA for Health and Welfare covers decisions relating to your social and healthcare needs, which can include where the Donor lives, how they are cared for and what healthcare they receive. For example, the decision to accommodate the Donor in a Nursing Home.

Attorneys of a Health and Welfare LPA can only use this power if the LPA document has been registered with the Office of Public Guardian and the Donor is not capable of making the decision themselves.

An Advance Directive or Living Will can be overridden by a subsequent Health and Welfare LPA, if the Donor has specifically chosen to give their Attorney the authority to give or refuse life-sustaining treatment on their behalf. This also means that a Health and Welfare LPA can be overridden by a valid and applicable Advance Directive (Living Will) made after the Health and Welfare LPA, if in the LPA the Donor has chosen not to give authority to their Attorney to authorise life-sustaining treatment.

The Health and Welfare LPA covers both the welfare of the Donor and the consent or refusal of consent to life sustaining treatment.

An LPA must contain a certificate completed by an independent person to confirm that the Donor understands the power and importance of the LPA and is not creating the power under duress.

Anyone the donor specifies can be notified of the registration of the LPA (up to five people), however if there is no one to notify, then the Donor must have a second Certificate provider.

The Attorney or replacement Attorney chosen by the donor must not be a bankrupt.

It should be noted that LPAs have no legal standing until registered with the Public Guardian’s Office. They can be registered at any time, i.e. before the Donor loses mental capacity or when the Attorney believes this to have happened.

After registration, the Donor can continue to make their own decisions providing they still have the mental capacity to do so.

The Donor can revoke or cancel the LPA (providing they have the mental capacity to do so). If a spouse or civil partner is the Attorney, or Donor, dissolution or annulment of the relationship will automatically revoke the power.

An LPA for Property and Financial Affairs is revoked if the Attorney(s) or the Donor are declared bankrupt.

An LPA for Health and Welfare is not terminated by bankruptcy.

A General Power of Attorney (GPA) allows the Attorney to make decisions and act in any matters relating to the Donor’s property and affairs (with the exceptions of making a Will, making gifts or performing in the Donor’s role as a Personal Representative (administrator) or Trustee.)

It is important to note that the Donor remains liable for the actions of the Attorney and as such you should only appoint an Attorney who you implicitly trust.

A GPA is effective immediately and will remain in force until it is either, cancelled by the Donor (the person on whose behalf the Attorney is acting) or, should the Donor become mentally incapable, then the GPA is automatically revoked. The GPA would also be revoked by the death or bankruptcy of either the Donor or the Attorney.

Unlike a LPA, a GPA affords no scope for restricting the Attorney’s powers.

A GPA can be revoked at any time, by either writing cancelled across the document, or simply tearing it up.

Lasting Powers of Attorney are an ESSENTIAL part of providing control when required
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