You can actually take out a third party mandate with bank/building society accounts without an EPA, either registerered or unregistered. At least, mum's bank offers this service. I have been an account signatory with her bank and building society for nearly a year and we have only just decided to make and EPA. It's a good alternative for anyone who just needs to handle day to day finances. Also, as I have discovered, as long as the person gives consent to their creditors either over the telephone or in writing, you can sort their bills for them too. Utility companys etc, just want to get their money so will work around the Data Protection Act as far as they are allowed. Mum is just about capable to have the phone passed to her and confirm her name to them, then the phone comes back to me and we do business. It's worked well so far.