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a social worker and a nurse at the hospital when Dad broke his leg.
The bank however wouldnt accept it. meanwhile over a month I had $2,000 dollars due in bills from Dads letterbox.
Eventually, one of the staff had the brains to ring the local hospital and confirm that Dad was there and speak to him and under 2weeks later instead of the
3weeks they originally said it would take the banks own Form was accepted
and they granted me Power of Attorney.
I think there should be staff from the bank that can ring the hospital,after all a scammer cant forge the phone number of the local hospital in the phone book.
What happens if no power of attorney is created
If the person who is suffering from dementia or Alzheimer’s can no longer make their own decisions, they are not legally able to sign a power of attorney form. That’s because this legal document gives the ability to make crucial decisions to another person and the grantor must fully understand what he or she is doing when signing a POA.
If a power of attorney can no longer be signed, you may be able to become a conservator. Conservators can act like a power of attorney agent, with the capability to make certain medical and financial decisions. But become a conservator takes time and sometimes involves a costly court procedure. That said, if you’re looking to aid a person who cannot make decisions for themselves, this court procedure is likely worth the effort. Just know that it can take awhile and it should be avoided if at all possible.
If you think you are a candidate for conservatorship, it’s recommended you speak with a lawyer as soon as possible.
Well next day, she drove to bank and went in with no id, no checks, no nothing and witthdrew substantial sum of money (couple thousand) from her account. No call, no questions asked, etc -- NOW THAT IS STUPID on the bank's part. I realize they probably know her; but that should be a red flag to alert police or APS or even me (since I have been to bank with mom and provided my contact info).
It is extremely scary that such an event can happen without providing identification. I'm 59 and still have to provide id for a bottle of wine.
1) Christine73 is incorrect, and is mixing up two ideas. A durable power is effective even if someone is incapacitated. A springing power is one that is not effective immediately, and only 'springs' to being when incapacity is shown by whatever method is provided in the POA.
2) Some states, including mine in North Carolina, do provide that if a bank refuses a POA it can be held liable in the Courts unless it had a good reason to refuse it. Usually pointing that out to the bank does the trick.
and i never asked you to have to go search for anything and at this stage please dont. All you are doing is upsetting me and i think you should be more considerate.
Sooo, please, no more response from you. I dont want help from a [person who has no compassion.
i have tried all these. doesnt anyone out there have any good advice???
Now whether you intended to be rude or not I don't know but it sure as hell came across like that to me because it sounded like you were inferring that all the previous advice was 'not good'
I haven't been sarcastic - I can be if you would like but others will tell you thats not my way. If however you have tried every piece of advice that people have given you and that has not been successful then you need to realise that the bank is under no obligation to recognise a POA immediately it is handed over. If you make an appointment to discuss the problem formally with the branch manager you will probably be able to argue the case more fully. You never mentioned anywhere in your first post about lawyers so please don't expect me to know things you have not articulated.
The reason they wont instantly recognise it is multitudinous and while it is a bloody nuisance and it is (been there done that got the tee shirt) they actually wanted to see my mother to make sure she was still alive for heavens sake. They also wanted the doctors certification of incapacity and it had to be dated AFTER the POA was registered with the courts. It is a lot of hoop jumping but you can get there eventually
Of course if you have posted on another thread and have expected me to hunt through the entire site then I will apologise - I don't have that much time on my hands right now but then I am the sole carer for my mother and trying to help my two children deal with the diagnosis of a terminally ill father.
HOWEVER
Banks wont have a blanket policy against accepting a power of attorney, since they every state has different laws.
Bank authorities are legally responsible to honour powers of attorney that have taken effect unless they believe or conceive that there may be something suspicious such as a forged signature or possibly a later POA which renounces the one you hav or perhaps yours has not been registered .
The problem is that most bank employees - especially the tellers rarely understand the law in relation to POAs so you have to go higher
As you appear to need to get the power of attorney recognized, you will have to be persistent. Insist on speaking with the branch manager. If he wont help ask for the number of the bank's legal department and call them yourself.
You will have to supply a copy of the power of attorney. If your mum's POA specifies that it takes effect when she lacks a certain mental capacity (rather than a specified date), you are going to need to prove that with a doctor's certification of that condition.
And for some states you have to register it with the courts which can cost about 70$
After that I haven't a clue and since I am British I reckon I have done quite well researching it
If your just going to be sarcastic, then pleazzz do not answer my questions.
The people on this site have enough to deal with than answers like yours!!!!!!
Everything will run positively smoothly (well maybe) UNTIL you want to do something like change an address. SAY WHAAAAAT? Yep I rang to change Mums address - now bear in mind I HAD registered the POA with the banks 15 months back and had extreme difficulty doing so (I took the appropriate docs down twice and still had to go a third time because they lost them!)
Well it turns out that the branch staff don't realise that you NEED and MUST have the POA to make alterations on the account so they just shredded the document (close your mouths people!!!!!yes I was aghast and open mouthed too). I can draw all the money out but I can't change an address - MADNESS but thats the UK law on joint accounts so make sure even if you are in a joint account that your POA is registered to cover that too
The cheerful young woman on the phone said, "Oh, that is not necessary. I can do it right now." And, ba-da-boom. She did it. Transferred $10K from one account to the other.
So, I guess luck plays a role in all of this. Ah, if only it were all so easy.