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Lasting Power of Attorney

Protecting Your Future with Expert, Compassionate Legal Guidance

Planning for the future is one of the most important decisions you can make — not just for yourself, but for the people you love. A Lasting Power of Attorney (LPA) gives you control over who makes decisions on your behalf if you ever become unable to do so yourself, whether through illness, accident, or cognitive decline.

At Sampson Bailey Solicitors, we guide individuals and families through the LPA process with clarity, sensitivity, and expertise — ensuring your wishes are protected and your loved ones are empowered to act when it matters most.

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Understanding Lasting Power of Attorney

A Lasting Power of Attorney is a legal document that allows you (the donor) to appoint one or more trusted people (your attorneys) to make decisions on your behalf. It is governed by the Mental Capacity Act 2005 and must be registered with the Office of the Public Guardian (OPG) before it can be used.

There are two distinct types of LPA:

  • Property & Financial Affairs LPA — covering decisions about money, property, bank accounts, bills, and investments
  • Health & Welfare LPA — covering decisions about medical treatment, care arrangements, and day-to-day personal welfare

Both types require separate documents and must each be registered individually. Creating an LPA while you have full mental capacity is essential — once capacity is lost, it is too late to make one.

The Two Types of LPA Explained

Property & Financial Affairs LPA

This LPA allows your attorney to manage:

  • Bank and building society accounts
  • Paying bills, debts, and household expenses
  • Buying, selling, or managing property
  • Collecting benefits, pensions, or income
  • Making investments on your behalf

Health & Welfare LPA

This LPA allows your attorney to make decisions about:

  • Where you live (home or care)
  • Your daily care and personal welfare
  • Medical treatment and interventions
  • Life-sustaining treatment (if you specifically grant this power)
  • Contact with family and friends

Choosing Your Attorney

Your attorney must be aged 18 or over, mentally capable, and not bankrupt (for financial LPAs). You can specify how attorneys act:

  • Jointly — all attorneys must agree on every decision
  • Jointly and severally — attorneys can act independently or together
  • Jointly for some, severally for others — a tailored approach

Replacement Attorneys & Safeguards

You can appoint replacement attorneys who step in if an original attorney can no longer act — due to death, incapacity, or resignation. The LPA also requires a certificate provider who confirms:

  • You understand the document
  • You are not being pressured or coerced
  • There is no fraud or undue influence

The LPA Registration Process

Creating and registering an LPA involves several steps. We manage the process from start to finish:

  • Initial consultation to understand your needs and circumstances
  • Advising on the most appropriate type(s) of LPA
  • Drafting the LPA documents accurately and in accordance with legal requirements
  • Ensuring correct execution — signatures, witnesses, and certificate provider
  • Submitting the application to the Office of the Public Guardian
  • Managing any correspondence with the OPG during registration
  • Confirming registration and safely returning documents

The OPG registration process currently takes several weeks. We submit at key stages including:

Drafting & review Signing & witnessing Certificate provider sign-off OPG submission Registration confirmation Secure document return

We ensure your application is submitted correctly the first time — avoiding costly delays or rejection by the OPG.

What Happens Without an LPA

The Court of Protection Route

If you lose mental capacity without an LPA in place, a family member must apply to the Court of Protection to become your deputy. This process:

  • Can take six months to over a year to resolve
  • Involves significant legal and court fees
  • Requires ongoing annual reporting to the OPG
  • May not result in the person you would have chosen being appointed
  • Can cause significant delay in accessing finances or making care decisions

A properly registered LPA avoids all of this — giving your family certainty and authority from day one.

Challenges Without Proper Planning

Failing to put an LPA in place — or getting it wrong — can have serious consequences:

  • Family conflict over who should make decisions and how
  • Frozen finances — banks cannot release funds without legal authority
  • Care disputes — medical teams may disregard family wishes without a Health & Welfare LPA
  • Court of Protection costs — deputyship applications can cost thousands and take many months
  • Stress and distress for loved ones at an already difficult time

Acting early avoids all of this. We help clients plan proactively — before a crisis arises.

How We Can Help

How We Can Help

  • Advising on whether one or both types of LPA are appropriate
  • Drafting LPA documents tailored to your specific wishes
  • Acting as certificate provider where appropriate
  • Guiding attorneys on their duties and responsibilities
  • Advising on restrictions and conditions to include
  • Assisting families where no LPA is in place and Court of Protection proceedings may be required
  • Supporting clients with dementia, disability, or reduced capacity and their carers

We understand that planning for incapacity can feel overwhelming or emotionally difficult. We approach every case with patience, discretion, and genuine care for your wellbeing and future.

We ensure your voice is heard — even when you can no longer speak for yourself.

Challenges Clients Face — and How We Support Them

LPA matters can affect every aspect of your life and your family's:

  • Uncertainty about who will manage finances during a period of incapacity
  • Disagreements within families about care and treatment decisions
  • Delays in accessing funds or making urgent decisions due to lack of legal authority
  • Elderly or unwell clients needing patient, accessible guidance through the process
  • Concerns about attorney abuse or misuse of powers after registration

We support clients and their families with clear, compassionate communication and practical legal expertise at every stage of the process.

Key Stages and Considerations

When creating your LPA, consider:

  • Who you trust most to act in your best interests
  • Whether to appoint one attorney or multiple, and how they should act
  • Whether to appoint replacement attorneys as a backup
  • Any specific instructions or restrictions you want to include
  • Whether to create both types of LPA for complete protection
  • Any overseas assets or cross-border considerations

Possible outcomes of acting now vs. later:

  • LPA registered and ready to use — full protection in place
  • Attorney able to act immediately when needed, with no delay
  • Family certainty and reduced conflict at a difficult time
  • Avoidance of Court of Protection costs and lengthy proceedings
  • Your healthcare and financial wishes followed as intended
  • Peace of mind for you and everyone who cares about you

The best time to create an LPA is now — while you have full capacity and complete freedom of choice.

Frequently Asked Questions (FAQ)

Yes, in many cases — provided you still have mental capacity at the time of signing. We will assess capacity carefully and ensure the document is properly executed. Early action is always advisable.

We strongly recommend both. A Property & Financial Affairs LPA and a Health & Welfare LPA cover different aspects of your life. Having only one leaves important decisions unprotected.

Yes. You can include specific instructions and preferences within the LPA to guide or limit your attorney's powers. We will advise on how to phrase these clearly and legally.

You cannot amend a registered LPA. If you wish to change your attorney, you must create a new LPA and revoke the old one — provided you still have mental capacity to do so.

The OPG oversees attorneys and can investigate concerns. An attorney can be removed by the Court of Protection if they are found to be acting against your best interests. We advise on how to build in safeguards from the outset.

The OPG currently processes applications in several weeks. We submit applications promptly and follow up on your behalf throughout to ensure no unnecessary delays.

EPAs were replaced by LPAs in 2007. Any EPA made before October 2007 may still be valid but cannot be used for health and welfare decisions. If you have an old EPA, we can advise on whether it remains fit for purpose.

An English and Welsh LPA only covers England and Wales. If you have assets or property in another jurisdiction, separate legal arrangements may be needed. We can advise on cross-border considerations.

Plan Ahead —
Contact Us Today

A Lasting Power of Attorney is one of the most valuable documents you will ever put in place. The best time to create one is now — while you have full capacity and complete freedom of choice. Whether you are planning ahead for yourself, helping an elderly parent, or facing an urgent situation, Sampson Bailey Solicitors is here to help.

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