lpa horror

LPA Horror Stories

We hear a lot of horror stories in our line of work – so what CAN happen if you don’t have a Lasting Power of Attorney (LPA)?

Here are some true-life examples we have come across.

The possible implications of not having a Finance & Property LPA in place when a property needs to be sold:

An elderly lady called Celia and her brother, Stan, shared the family home. Unfortunately, Celia became ill with Dementia and ended up in a nursing home. Stan was then left alone in their large draughty farmhouse. Stan assumed he would be able to sell the family home and buy himself a nice little retirement flat. He was looking forward to being somewhere with some activities onsite and other residents to talk to.

However, Stan couldn’t do this because there was no Lasting Power of Attorney in place for Celia, and her Dementia was by then too far advanced for her to make one. The only option was to apply to The Court of Protection for the right to sell the home. Stan was told this could cost anything up to £6,000 and would take months, possible years, to execute – he decided not to go down that route. He has had to carry on living in the house on his own, increasingly struggling to manage.

Making an LPA whilst Celia was well enough would have enabled him to sell the property, take care of his sister’s share of the money, pay her care fees and buy himself that little flat he dreamed of.

The time it can take to get a Deputy appointed where an LPA isn’t in place:

A client called Mark who we saw recently was making LPAs himself due to the experience he was having with his Mum. She had advanced Dementia and did not have an LPA in place. To enable them to sell her property and access her savings to pay her care home fees they had to go to The Court of Protection for permission. This application has been underway with the court for over a year, and it is still at very early stages. In the meantime, nobody can access his Mum’s money – so, many bills remain unpaid and there are obviously companies chasing for their money.

The problems that can occur if an LPA for Health & Welfare hasn’t been made:

We recently had a client called Marjorie who had sensibly made an LPA for Property & Finance, but at the time she didn’t realise the importance of making one for Health & Welfare as well.

She had health problems and on one occasion she felt so bad that her daughter, Lynne, called an ambulance. By the time paramedics arrived Marjorie felt a little better and slowly started to improve while they did their checks etc. They thought that she should still go to hospital for some more tests, but Marjorie really didn’t want that to happen. She was having trouble convincing them so Lynne stepped in to reassure them that she’d stay with her Mum that night so she wouldn’t be alone, telling them ‘I have Power of Attorney’. The paramedics asked to see the LPA document and Lynne duly showed it to them. Unfortunately, it was the LPA for Property & Finance which gave Lynne no right to speak on her mother’s behalf for anything health related. The paramedics dismissed the LPA and insisted on taking Marjorie to hospital.

Marjorie doesn’t want a repeat of that trauma, so she has now made an LPA for Health & Welfare as well so that Lorraine can legally speak on her behalf in future.

And then… one of the benefits of having an LPA for Health & Welfare in place:

Susan has a Mum in a local care home with Dementia. She sometimes has a funny turn that requires her to rest and have a cup of sugary tea. Within an hour she is fine. The staff who work during the day are aware of this and know that they don’t need to call an ambulance, but the night agency staff don’t know about it and on one occasion recently they called an ambulance. Susan’s Mum was taken to hospital and instantly sent home, as she was fine by then. The paramedics were of course only doing their extremely difficult job and acted in the correct way, not knowing this was a common occurrence.

Susan has since lodged a copy of the Health & Welfare LPA prominently in the home, and they now ring her when her Mum has a turn and Susan can prevent admission to hospital if she feels it isn’t necessary. A doctor told Susan that every day in hospital sets Dementia patients back by weeks, as it distresses and confuses them so much.

A situation you might not have thought of where LPAs are a really good idea:

When a child has a disability or learning difficulties a parent or guardian can legally look after their money and talk to medical professionals on their behalf until they are 18. At that point they officially become an adult, and although things can still often be done informally, banks and medical professionals have no legal obligation to liaise with the parents or guardians.

We were asked to help in this situation by Lorraine, Mum of 25 year old Sarah, who has
Down’s Syndrome. Since Sarah turned 18 Lorraine had been having problems getting doctors to listen to her. She is the one person who truly understands her daughter’s care needs – she knows how Sarah responds and copes with things. Sarah is an independent and bright young woman, but she finds hospitals and doctors a challenge. We were able to do both types of LPA for Sarah, who has the mental capacity to say that she wanted her Mum to deal with her finances and to talk to doctors on her behalf. It took some patience and understanding to get the information and signatures we needed from Sarah to complete the LPA documents, but now her Mum can speak on Sarah’s behalf to get her the best possible care. Lorraine was so relieved that we were able to help in this difficult situation.

We find that real-life examples of circumstances where an LPA is useful, and examples of stories we have heard about situations where an LPA wasn’t in place, are very interesting to our clients. Stories such as these make them realise why they should make LPAs – even if they are on the face of it young and well. Who knows when an accident or stroke could make someone lose mental capacity!

We offer home visits locally, and our fees are extremely competitive (£175 for one LPA and £300 if both types are required). The only other fee is the court fee of up to £82 per document if registration of an LPA is required – but you may not decide to register your LPA for use immediately. Our consultant will explain all of that to you and give you the options.

Contact A R K Lasting Powers & Wills today to start the ball rolling with making an LPA. Call us on 01438 746977 or email info@arkpowers.com We really do strive to make the process as easy as possible!

New-year-2019

What are your New Year’s Resolutions for 2019?

Every year most of us make New Year’s Resolutions. Maybe yours are often the same – to go to the gym more, lose that weight you’ve put on over Christmas, eat more healthily and so on.

This year how about adding a new one?

‘I want to give myself and my family total peace of mind’

You can do that by making a Will, Lasting Powers of Attorney (LPAs), and/or by purchasing a pre-paid Funeral Plan.

Are you certain that if something happened to you, for example you had a serious accident, all your affairs would be in order – even if you lost mental capacity? Wouldn’t you like to be sure that your family would be able to access your bank accounts and deal with all your financial affairs without having to deal with any costly and lengthy court proceedings?

The only way to do that is to make a Financial LPA. People often don’t realise that even joint accounts would be frozen if mental capacity is lost, and partners would have no access to accounts unless there is an LPA in place. If you don’t have an LPA, then the only way of accessing money or selling property etc. is via the court. This takes months and ultimately could cost thousands of pounds. A simple LPA can save a lot of money, and perhaps more importantly, anguish for your loved ones.

What about health? The Finance LPA obviously covers all your financial affairs, but who would be able to speak on your behalf about health-related matters? Having an LPA for health in place means that if you weren’t well enough, your nominated Attorneys could speak to doctors and all other health care professionals on your behalf, as if they were you. They can also have the final say regarding life-sustaining treatment. You and your family can then be sure that your wishes would be respected.

What about a Will? Of course, everyone should have a Will, however it is particularly important in the following circumstances:

  • If you have children who are under 18. You need to appoint guardians in your Will, otherwise a court would decide who looks after your children should anything happen to you while they are young.
  • If you have a partner that you are not married to, then without a Will they are not going to inherit anything.
  • In these days of blended families with children and stepchildren, many people are not aware that stepchildren do not inherit anything unless there is a valid Will specifying that they should inherit. The only way to be certain that the people you would want to inherit your estate, actually do so, is to make a Will.
  • If you are separated but not divorced, your estranged husband or wife is still your next of kin in the eyes of the law, and therefore they could end up with everything unless you’ve made your wishes known by making a Will.

A Funeral Plan is the ultimate peace of mind for your family. There has been a lot of publicity recently about families ending up in debt because they can’t afford to pay for a loved one’s funeral. If you purchase a Funeral Plan now then whenever you die your funeral is paid for in full, and your wishes are also documented. A client of ours whose mum passed away recently said ‘I can’t believe how easy and stress-free everything was.’

One call to the Funeral Plan Company and everything is taken care of for your family. Anyone of any age can buy a Funeral Plan and prices start at £2,795. Our Dignity Plans currently have an offer of up to £340 discount on every plan. This great offer is running until April 2019. We also offer Safe Hands Funeral plans if you would prefer a Funeral Director who isn’t part of the Dignity Group. Your Funeral Plan Consultant will help you decide which plan would be best for you.

Don’t put off giving your loved ones peace of mind any longer! We understand that you may not be able to afford everything at once, so at A R K we can help you decide what is the priority for you. Make 2019 the year you get organised!

Remember we offer a clear and transparent pricing policy, and we’ll give you as much free advice as you need to help you take the worry out of those ‘what if’ situations.

Contact A R K now on 01438 746977 or email us at info@arkpowers.com to action one of your New Year’s Resolution. Probably one of the easier ones to achieve…

*An additional fee of £82 has to be paid to The Office of the Public Guardian in order to register an LPA for use.

The Business Case for a Lasting Power of Attorney (LPA)

All business owners should consider a Lasting Power of Attorney (LPA) as the final piece of the business protection jigsaw puzzle.

Have you considered what might happen to your business if you:

• lost your mental capacity through illness or injury?
• were stranded abroad because of delay or extreme weather conditions?

Who would take over the running of the business on your behalf to:
• sign contracts?
• pay salaries and suppliers?
• write cheque?
• make the important day-to-day decisions to keep the business going?

Even if your bank account is held jointly with your spouse, it can be frozen until a Deputyship Order is produced by the Court. Business accounts can also be frozen, even where these are held jointly in the names of business partners or directors. How would your business cope with no funds? Many businesses in these circumstances fail.

If you suddenly lose mental capacity and haven’t made a Business LPA, it may become necessary to make an application to the Court of Protection for the appointment of a deputy to act on your behalf. The process can be expensive, and there’s no guarantee that the Court of Protection will choose someone who you would have chosen. It could also take more than six months before a deputy is appointed, during which time your business may be vulnerable and at risk.

The Business LPA and lack of capacity…

Most businesses have a Key Person Insurance Policy and crisis management plans in place, but the issue of lack of capacity is often overlooked. You might think the options are obvious, but there is no automatic legal right to deal with another person’s financial affairs. Don’t assume that a family member or a business colleague will gain the authority to make these decisions on your behalf – this assumption could leave your business exposed to risk.

To protect your interests, and those of your business, you should consider making a Business LPA.

Having a Business LPA in place allows someone that you trust – someone who understands your business – to take over the day-to-day affairs as soon as they are needed. Your attorney might be given the power to pay suppliers and staff, access and manage bank accounts, invest assets, handle tax matters and enter into contracts. Of course, you can limit your attorney’s power, but you need to ensure that the company can continue to operate with any limits in place.

The aim of all business owners is to make their business a success and to provide for their families and their loved ones. You work very hard, commit time and money to your business and have employees and suppliers who are depending on you. You have families who need your financial support and security.

It is natural to hope you will never need a Lasting Power of Attorney but why take the chance?

Business continuity…

A Business LPA should be an essential element of your business continuity plan, and the cost of setting one up is a small price to pay for the continuing success of the business you have worked so hard to build. It’s a one-off cost as well (as long as you don’t change your mind about who you have appointed as your attorney).

A Business LPA is a type of ‘insurance’ that all business owners should have, and it truly is the final piece of the business protection jigsaw puzzle!

Next steps…

Our fee to arrange a Business LPA for you (including registration of the document with the Office of the Public Guardian – so that is ready to be used immediately should it be necessary) is £175 (no VAT to pay). It’s a tax-deductible expense for your company, and the only additional fee to pay will be £82 to cover the Office of the Public Guardian fee.

Contact A.R.K. Lasting Powers & Wills today for a chat about how easy it is for us to assist you with making this document that could be vital for your business. It can be arranged at a face to face meeting, or by phone/email if you prefer. Call us on 01438 746977 or email info@arkpowers.com.

Life without a Lasting Power of Attorney – A true story!

“What if”? That’s a phrase we use a lot when taking Will instructions or discussing Lasting Powers of Attorney with clients

We all hope those ‘What ifs’ will never happen to us; but for one poor lady who probably hadn’t even dreamt of this particular ‘what if’, the reality of the situation was pure torture!

This is Heather Bateman’s story in her own words – we defy you to read it and then not appreciate the need to make a Lasting Power of Attorney while you are young and well! It’s quite a long story but we make no apologies for that, as the words paint the picture regarding the difficulties she faced. You should also note that this happened 15 years ago, so all the costs mentioned will have increased significantly. The
system has changed too – in those days an Enduring Power of Attorney would have avoided all the problems, but Enduring Powers were replaced by Lasting Powers of Attorney on 1 st October 2007.

This story was featured on The One Show:


Heather Bateman had to run the family finances after an accident left her husband in a coma; and thanks to the Court of Protection, three years of pain and misery followed.

“I shake as a large white envelope slips through the letterbox. My trembling fingers pull at the flap. 
I’m a grown woman with a family. I have done nothing wrong, yet these letters make me feel like a criminal or a helpless child. The letters are from the Court of Protection.

Never heard of it? Lucky you. I hadn’t heard of it either until the moment when my whole life fell apart.

The nightmare begins
In September 2003 my husband Michael walked across a quiet country road towards me and was hit by a car. He fell to the ground and never stood up or spoke a word again. In hospital he collapsed into a coma. The three-year nightmare began.

As well as experiencing the horror of seeing the energetic man I had loved for more than 30 years rendered immobile and lifeless, I had to deal with the everyday aspects of having a large family of two children, four stepchildren and six step-grandchildren. And I had to deal with the Court of Protection.

Michael and I were two independent working people. We had been married for 28 years. We had written our Wills, both our names were on the deeds of the house we shared in London and the Norfolk cottage we had renovated over the years.

We had separate bank accounts and most of the bills were paid from Michael’s account. Now, to continue living in the way we always had done, I needed to access the money in his account.

Filling out forms
Michael had been moved to the Intensive Care Unit at Addenbrooke’s Hospital in Cambridge. “You need to get the right forms,” the man at the Citizen’s Advice Bureau at the hospital told me. “Where do I get the forms?” I asked. “From a solicitor” he replied. “There are plenty of solicitors in Cambridge.”

I was in shock. I had witnessed the accident. I had seen the car knock Michael to the ground and I had held his hand and talked to him on the horrendous journey to the hospital. For as long as possible, I put off getting the forms. The solicitor’s office I chose was Dickensian. The clerk, almost as ancient as the decor, handed me some forms and
said, “Fill these in and get your husband to sign here.”

I burst into tears, the first I had shed since the accident. And, once I started crying, I couldn’t stop. The clerk looked at me uncomprehendingly. “He can’t sign,” I sobbed. “He’s in a coma.”

“Then you need the Court of Protection,” he said. I heard those words for the first time, words that represent an institution everyone should know about.

Anger and grief
The Court of Protection brought me almost as much anger, grief and frustration into my life as the accident itself. Over the years that followed Michael’s accident, I had to learn to accept a new reality, to settle into a different way of life. This I did gradually, lovingly, in my own way, feeling my energy and life-force change and keeping the family
together.

But parallel to this I had to come to terms with the Court of Protection, an alien, intrusive, time-consuming and costly institution, which was completely out of tune with what we were going through. For almost three years it ruled my waking moments and my many sleepless nights.

We are advised to take out this insurance and that insurance but hardly anybody tells us to take out Enduring Power of Attorney*, which enables a person to appoint another to manage their financial affairs when they may be unable to act for themselves. Yet, in a case like ours, this is the only way to avoid the Court of Protection, also known as the
Public Guardianship Office.

What is the Court of Protection?
There are 55,000 clients registered with the Court of Protection, all so mentally incapacitated they are considered unable to act on their own behalf with regard to their finances. Because they have not granted Power of Attorney to anyone else, their affairs are placed under the jurisdiction of the court.

The court appoints a Receiver to act on the client’s behalf in the everyday running of his or her affairs, and the receiver is answerable to the Court.

I had to apply to become Michael’s Receiver, that is, I had to apply to the court to act on his behalf in carrying out the everyday financial matters of the life we had always lived.

To become his Receiver, I had to fill in complicated forms, detailing every aspect of our lives. I also had to give notice to my children and stepchildren of my application. A Receiver can be a close family member or – where there is no suitable relative – a stranger or an organisation, such as a solicitors’ office. But in its treatment of Receivers, the court does not distinguish between a close family member or a virtual stranger.

Who is the court protecting and from whom? 
As the weeks and months went by it became clear that the Court of Protection’s primary role was to protect my husband from me.

I was doing all I could to look after Michael and to keep our lives in some kind of order. The Court was doing everything possible to place itself like a wedge between him and me, in order to protect itself from any accusations of wrongdoing should he ever “wake up”.

To perform this unwanted task, the unwieldy organisation stepped into my life and took away my adult independence. The tone of the letters and the restrictions on how much and in what way our money could be spent undermined my freedom and self-respect. And if I did not do everything I was told to do, I could lose the right to be the Receiver. An unknown person could step in and take over our accounts and the running of our lives.

What does the Court of Protection do?
Here are just a few examples of how the Court acted under the guise of “protecting” my husband:
On the day the letter arrived confirming I had been appointed as Michael’s Official Receiver another letter arrived demanding instant payment of £460; it threw me into a state of shock.

Later, I was told this bill should have arrived a month later. However, this was just the first of many fees to be paid to the Court. They include a commencement fee (£240) and an appointment fee (£315), an administration fee (ranging from £190 to £240), an account fee (£100), various transaction fees (ranging from £60 to £540) and a winding-up fee (£290).

To deal with the forms and additional accounts, I needed the help of an accountant, whose fees also had to be paid. Over the course of two and a half years, more than £3,000 was used up on the Court of Protection.

As Michael’s Receiver I now had access to our accounts. But I was dismayed by the restrictions on my spending. I could write as many cheques as necessary up to £500. But if I needed to access more than that at any one time, I had to get permission from the Court – even to pay our daughter’s university fees and accommodation.

Similarly, when I needed building work done, I had to submit two estimates and justify my choice of builder; I then had to wait several weeks for the Court to give permission and release the funds.

Distressing experience
The nerve-racking experience was exacerbated by the fact that each time I phoned the Court, I spoke to a different clerk. I had to explain my distressing situation anew and then wait at least two weeks for a reply. I visited Michael daily.

The court also sent a representative to visit him. I found it humiliating. I was dealing with doctors, nurses and carerson a daily basis, yet I could not help feeling that I was the one being checked up on.

But the most distressing incident concerned a strip of land in front of our Norfolk cottage. Before the accident, the local council had approached us to build a public footpath on it. The work was carried out while Michael was in a coma. But when it came to finalising the deeds and paying the agreed compensation, my role as Receiver was
apparently insufficient. I was informed that the only way forward was to make someone else a trustee to the deeds of the cottage. The costs were almost equal to Michael’s share of the compensation.

I was furious. If it weren’t for the footpath, we would not have been in Norfolk that day and Michael would not have been hit by a car and would not now be in a coma. We had gone there to discuss the council’s plans.

Overwhelmed and intimidated by the Court, furious and exhausted, I eventually asked the council to keep the compensation money until Michael either died or recovered.

The Court of Protection, no doubt, has a part to play in the life of someone with no close family or friends, who is at the mercy of strangers. But in our case it was an interfering, terrifying body using legal forms and archaic language to protect itself at huge cost to us.

After almost three years, Michael died. When I eventually received probate, I cried with grief. A few months later, when I finally closed the Receiver’s account, and my independence and self-respect returned, I cried with joy. At last I was free.

Yet all this could have been avoided – if only I’d known how”.

Take a minute to let the horror of Heather’s story sink in … Do you get it now?‘We are advised to take out this insurance and that insurance but hardly anybody tells us to take out Enduring Power of Attorney’ *

Well at A.R.K. Lasting Powers Wills we do tell you, and we are telling you now! Call us on 01438 746977 or email info@arkpowers.com to book an appointment to arrange a Lasting Power of Attorney to protect your loved ones from that dreaded ‘What if.’

All it will ‘cost’ you is £175 (plus an £82 court fee if you decide to register it for immediate use) and around 45 minutes of your time!

*Enduring Powers of Attorney were replaced by Lasting Powers on 1 st October 2007

3 Lasting Power of Attorney Myths

At A.R.K. Lasting Powers & Wills, we meet people from all over Stevenage and north Herts. As you’d expect, we talk about their circumstances when working with them to write their Wills.

Often, the subject of Lasting Power of Attorney is discussed, (in some situations, it’s more important than a Will). There are many misconceptions about Lasting Powers of Attorney, (LPAs). These lead people to think that they are ‘covered’ should they or their loved ones become ill and lose mental capacity when actually… they’re not. Sadly, many people only realise the facts about the need for Lasting Powers of Attorney when it’s too late.

So – this is our opportunity to set the record straight!

3 Misconceptions About Needing An LPA

“I don’t think I need a Lasting Power of Attorney – because…”

…I’m too young to think about doing that – our answer is that you never know when an accident or stroke could leave you too ill to look after your own finances. LPAs are not just a good idea when you are older and worried that you may end up suffering from Alzheimer’s or Dementia. There are many other conditions/events that can mean that mental capacity is lost. Make life easier for your family, should something unexpected happen, by making an LPA. You can appoint people you trust to help you if you suddenly became ill.

…I’m married and all my accounts are joint with my spouse – our answer is that this would make no difference at all! When somebody loses mental capacity, the medical professionals inform the Court of Protection and they immediately freeze ALL accounts belonging to the person who is ill. This includes joint accounts, which means that the person who is well won’t even be able to access their own money.  It takes a special application (and the payment of a fee) before the Court of Protection will unfreeze joint accounts. All this trauma could be avoided if an LPA is in place when someone becomes ill. Also, anything that needs to happen with property that is jointly owned needs the signature of both owners. This could cause a lot of problems, but with an LPA in place there would be no problem at all as an attorney can sign as if they were the person who is ill.

…My son/daughter has access to all my accounts, they are even a cardholder – our answer to this one is that whilst this can work on an informal basis when you are well, the arrangement would not be allowed to continue if mental capacity were lost. The Court of Protection would be informed that you had lost mental capacity and all your accounts would be frozen.  No-one would have access to your money until the court decides who is the right person to take over the running of your finances.  So, money needed for your care or to pay your bills would be unavailable to your family until the court process is complete.  This can take many months, and the cost of the application would be a lot more than the cost of making an LPA while you are well!

So, these are common ‘reasons’ we hear regularly about why it isn’t necessary for someone to make an LPA.  Anyone who believes it isn’t necessary is being short sighted – you never know what’s around the corner.  You might not want to pay the fee for making an LPA now in the hope that nothing happens, or that you will have warning that you are becoming ill and that you can do it then. But what if there is no warning? Your family will be really upset because you have had a serious accident, or a bad stroke. Coupled with that they will have the extremely difficult job of applying to court so that they can access your money to continue paying bills, or to buy the things you need for your care, or even to actually pay for your care.

Equally, if it is Alzheimer’s or Dementia that means mental capacity is lost, unless you act quickly when you become ill it could soon become too late to make an LPA.

What happens if I don’t set up an LPA?

Without an LPA nobody is allowed to help you without permission from the Court of Protection (CoP). They must apply to the court to be appointed as a ‘Deputy’ so they can manage your affairs.

A Deputy can regain control (with luck) inside six months. And please be aware that it is extremely unlikely that a Common Law Partner will be appointed as a Deputy (however, you CAN appoint a Common Law Partner to be an attorney on your LPA).

It is also important to note that the CoP charges a fee for appointing a Deputy, which is far more than the cost of making an LPA at the outset. The court also charges for overseeing the actions of the Deputy and will expect regular accounts and updates. Ultimately, the CoP is responsible for ensuring that the Deputy is acting in your best interests. With an LPA, the attorneys are allowed to get on with the role without being monitored as you said you would trust them to do that.

All of this hassle and upset can be avoided for your family if you make an LPA while you are well, to act almost as an insurance policy.

Why use A.R.K. Lasting Powers & Wills to arrange an  LPA for you?

We will make the process simple and stress-free. You will only need to spend about 30 – 45 minutes giving us the details of the attorneys you’d like to appoint. We’ll provide one-to-one advice and support throughout the process; we’ll collect signatures from any relevant person who is present at the initial appointment, and then arrange for attorneys who are not present to sign where needed (this can often be done by post). And we’re fully qualified and authorised to sign the LPA to confirm that the person making it has the mental capacity to do so.

Our fees are vastly less than a solicitor may charge, but you will receive exactly the same document once the process is completed. The fee for the first LPA anyone makes with us is £150*

There is another type of LPA which covers health and welfare matters and gives people you trust the right to make decisions regarding your daily care if you’re too ill to do so, and allows you to specify your feelings regarding life sustaining treatment. We can give you information regarding this type of LPA as well, and if you think that it makes sense for you to have both documents the fee payable to A.R.K. will only be £250*

What do I do next?

Call A.R.K. on 01438 746977 or 07926 339934 or contact us to discuss making an LPA, or to arrange a daytime or evening appointment. We generally prefer to see people in the comfort of their own homes, but daytime office appointments can be arranged if you would prefer.

* If you decide to register your LPA immediately, the Office of the Public Guardian charges a fee of up to £82 for each LPA you are registering.

Stevenage Magazine

Our first official article and advert has been published!

If you live in Stevenage you may receive the Stevenage Magazine – if so, take a look at page 20.

You will find an article explaining why everyone should consider making an LPA, along with our advert which includes a special offer! You could receive 10% discount off all prices for daytime appointments held up to 31st January 2017.

Make it your New Year resolution to finally get round to making that Will you have been putting off for ages. It really is quite a painless process and you will feel so relieved once it is done.

View our article and advert.

Lasting Power of Attorney fact sheet

We have just received the printed versions of our fact sheet, which has all the essential information you need to know about setting up a Lasting Power of Attorney.

We hope you will agree it looks great! Have a read to see if an LPA is something you or a family member should be thinking about.

To discuss making an LPA, or to arrange a daytime or evening appointment, call A.R.K on 01438 746977 or 07926 339934.

View the fact sheet here.