Caring For A Vulnerable Person | NatWest International

Caring for a vulnerable person

If you're caring for a vulnerable person, you're most likely dealing with their financial affairs too

Caring for a vulnerable person What is a Power of Attorney?

A Power of Attorney allows someone to appoint a person or organisation to manage their affairs. There are several types of Power of Attorney including:

Ordinary Power of Attorney

The Attorney can exercise the powers set out in the document for so long as:

  • the power of attorney continues in force (there may be an expiry date or it could be revoked by the grantor) and;
  • the grantor retains mental capacity, if they lose mental capacity then the powers granted under this are automatically revoked.

Lasting or Enduring Power of Attorney

Each of our jurisdictions have passed laws in recent years to allow these. These types of attorney may be able to be used before the individual loses capacity, however it depends on whether or not this power was granted. Importantly, the power will be effective after the grantor has lost mental capacity. 

In order to grant a Power of Attorney, it needs to be arranged while the grantor is still capable of making their own decisions. It also needs to be registered with us.

Elderly man with carer
Illustration of document
Registering a Power of Attorney

There are several different types of Power of Attorney and it is important you use the correct one for your circumstances. A Power of Attorney is an important legal document, so we recommend you take legal advice.

To register a Power of Attorney with NatWest International we require a Power of Attorney document that deals with the financial and property affairs of the customer.

NatWest International only accepts a Power of Attorney that has been registered in the jurisdiction where the bank account(s) are held.

What can a Power of Attorney do?

The duties the Attorney can perform depends on the type of the Power of Attorney and the powers granted. Powers of Attorney can be really broad or sometimes quite specific as to what someone can or cannot do.

Customer is capable of making their own decisions

If the customer is capable of making their own decisions then the customer / Attorney should be able to make the following actions:

 

Signing rights

Both the customer and the Attorney will have the right to sign on the account.

 

Opening and closing accounts

The Attorney can open and close accounts on behalf of the customer.

 

Setting up and cancelling direct debits / standing orders

The Attorney can add, cancel or amend both direct debits and standing orders.

 

Statements

The Attorney can order additional statements for the customer and have duplicate statements sent to their own address. 

 

Cheque book and card 

The Attorney can have a cheque book and/or card in their name, as long as signing rules for the Attorney are to sign jointly or severally.

 

Internet and Telephone access

The Attorney can access the accounts via their own internet and telephony banking, as long as the Power of Attorney signing rules are to sign jointly or severally.

Customer is NOT capable of making their own decisions

If the customer is NOT capable of making their own decisions then the customers / Attorney should be able to make the following actions:

 

Signing rights

Only the Attorney will have the right to sign on the account.

 

Opening and closing accounts

The Attorney can open and close accounts on behalf of the customer.

 

Setting up and cancelling direct debits / standing orders

The Attorney can add, cancel or amend both direct debits and standing orders.

 

Statements

The Attorney will have all statements sent to their address.  

 

Cheque book and card 

The Attorney can have a cheque book and/or card in their name, as long as signing rules for the Attorney are to sign jointly or severally.

 

Internet and Telephone access

The Attorney can access the accounts via their own internet and telephony banking, as long as the Power of Attorney signing rules are to sign jointly or severally.

Acceptable identification for registering

To register a Power of Attorney with us, make an appointment with any NatWest International branch and bring the following documents with you:

The original copy of the full Power of Attorney document or a copy certified by a lawyer
Please be aware some Power of Attorney documents contain certificates which we will also need to view. 

2 forms of identification for the person who will act on behalf of the customer
We require 1 document to confirm your identity and 1 document to confirm your address from the following list:

How to confirm your identity

We require 1 of the following documents:

 

  • Current, valid full passport
  • Driving licence issued by the UK, Isle of Man, Channel Islands, Gibraltar, an EU member state, USA or Canada
  • National identity card (this excludes cards issued by the United Kingdom)

Document Guidelines

 

  • Please provide originals only. We cannot accept photocopies and items printed from the internet including bank statements.
  • Individual items can only be used once, either to confirm your identity or confirm your address, however not both.
  • We will return your documentation once we’ve processed your application.
  • If you don't have any of the above documents, please contact your nearest branch to discuss.

How to confirm your address

We require 1 of the following documents which must show your current address:

 

  • Utility bill less than 6 months old (electricity, water, gas, landline telephone).
  • Local authority/tax bill less than 12 months old.
  • Bank, Building Society, credit card or mortgage statement or bank correspondence (documents must be less than 6 months old). Bank correspondence must be personal / direct to the customer, we would not accept a generic mailshot.
  • Driving licence issued by the UK, Isle of Man, Channel Islands, Gibraltar, an EU member state, USA or Canada.

Document Guidelines

 

  • Please provide originals only. We cannot accept photocopies and items printed from the internet including bank statements.
  • Individual items can only be used once, either to confirm your identity or confirm your address, however not both.
  • We will return your documentation once we’ve processed your application.
  • If you don't have any of the above documents, please contact your nearest branch to discuss.
Caring for a vulnerable person Organisations that can offer support

Jersey organisations

Organisations in Jersey that can offer support to a vulnerable person:

Jersey Citizens Advice Bureau

St Paul’s Centre
New Street
St Helier
Jersey, JE2 3WP

Telephone: 0800 735 0249 or (01534) 724942
eMail: advice@cab.org.je
Website: www.cab.org.je

Age Concern Jersey

Windsor House
Val Plaisant
St Helier
Jersey, JE2 4TA

Telephone: 0800 735 0345
eMail: info@ageconcern.je
Website: www.ageconcern.je

Useful websites

States of Jersey - Adult social services
www.gov.je/health/socialservices/pages/adult.aspx

Guernsey organisations

Organisations in Guernsey that can offer support to a vulnerable person:

Guernsey Citizens Advice Bureau

Bridge Avenue
The Bridge
St Sampson’s
Guernsey, GY2 4QS

Telephone: (01481) 242266
Website: www.cabguernsey.org

Useful websites

States of Guernsey – Health, Social Care & Wellbeing
www.gov.gg/article/119652/Health-Social-Care--Wellbeing

Isle of Man organisations

Organisations in Isle of Man that can offer support to a vulnerable person:

Manx Citizens’ Advice Service

Room 3
Promenade Church
Loch Promenade
Douglas
Isle of Man, IM1 2LY

Telephone: (01624) 626863
Website: www.citizensadvice.im

Manx Citizens’ Advice Service

4 Bourne Concourse
Peel Street
Ramsey
Isle of Man, IM8 1JJ

Telephone: (01624) 813466
Website: www.citizensadvice.im

Manx Citizens’ Advice Service

Thie Rosien
Castletown Road
Port Erin
Isle of Man

Telephone: (01624) 833976
Website: www.citizensadvice.im

Age Concern Isle of Man

Telephone: (01624) 631740
eMail: info@ageconcern.im
Website: www.ageconcern.im

Useful websites

Isle of Man Government – Adult Social 
www.gov.im/categories/caring-and-support/adult-social-care/

Gibraltar organisations

Organisations in Gibraltar that can offer support to a vulnerable person:

Gibraltar Citizens Advice Bureau
10A Governor's Lane
Gibraltar

Telephone: (00350) 200 40006
eMail: info@cab.gi
Website: www.cab.gi

Useful websites

Government of Gibraltar - The Care Agency
www.gibraltar.gov.gi/new/care-agency

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