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Someone to manage your affairs
If you want to support someone with managing their accounts, or need help looking after your own, we're here to help.
The Halifax brand is changing to Lloyds
If you help manage someone else’s accounts or someone else helps you manage yours, there are a few things you need to know about how to manage them in future.
Steps to become a representative
Supporting you in exceptional circumstances
We appreciate that there will be times where you need to support a family member with their finances, but do not have any power of attorney or third party access in place.
If you are in this position and need to talk to someone, please call us and we may be able to help in the short term while you apply for longer-term access.
Power of attorney
It’s worth thinking about who could make decisions for you if you were unable to make them yourself. By appointing one or more attorneys, it will give you peace of mind that someone you trust will be in charge of your affairs, if you have an accident or an illness and can’t make your own decisions.
What to do if your situation changes
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If the account holder passes away, the power of attorney or representative access would stop and the estate would be managed under our bereavement process.
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You need to tell us if this happens. Please call us.
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If the attorney or representative passes away, we must be notified. Please call us.
We would need the death certificate or updated lasting power of attorney document stamped by the relevant Office of the Public Guardian; England and Wales, Scotland and Northern Ireland.
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If the account holder and the representative are married or in a civil partnership, the representative’s authority will come to an end when the marriage/civil partnership formally ends, unless the legal document says otherwise.
This applies to all types of power of attorney, but not to court appointments, such as deputyship or guardianship.
More support
Protecting your wellbeing
Helping or caring for a loved one living with mental illness, or experiencing this yourself, can be challenging. We have support available to help you feel more in control.
If you are struggling with your mental health and would like to get some further information and support, Mental Health UK or NHS UK could help you.
For more help Mental Health & Money Advice also have free guidance.
Conversations about money
You might not feel comfortable talking about money with your loved ones. But it’s sometimes those conversations that are the most important ones to have. To make it easier you should:
- Choose the right time and place.
- Listen as well as talk.
- Be open and honest.
- Try to stay calm.
- Put the plan into action.
If you would like further advice and guidance you can find free and impartial money advice at MoneyHelper.
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