My Mother is 84 and living in assisted housing. She has carers 4 times a day when she is home, a Dementia Day Centre which she attends 4 days a week and the rest of the week (day time) is covered by myself and my husband. I have her bank card and pay all her bills, get her shopping and sort out Christmas/Birthday presents for her family, clothes and everything else that is needed... Do I really need to organise an LPA as it is coming up between 4 and 5 hundred pounds to arrange... She is on benefits and gets housing and council tax benefit as am I... someone said that as she is more likely to go into a care home sooner rather than later, the local authority will want to know where every penny has been spent for the last 5 years and if I do not have an LPA I cannot organise her money without it. I have no problem with them checking as we do what we think is right but I was told that without an LPA we could be prosecuted for taking money out if we can't prove every payment made is with her knowledge. This is all knew to me and my husband as no one else in our families has had Dementia... I do have siblings but they do not come near or by. TIA