After 3 weeks in hospital Mum has moved into a residential care home on the recommendation of nhs assessment. While initially mum will be self funding she will quickly reach the upper threshold & LA funding will be necessary. Thankfully The home does accept the LA rates. We do not have Lasting Power of Attorney & I think we have missed the boat in getting someone to certify she has capacity. At the memory clinic in February the doctor wrote she had capacity but since then she has deteriorated. Her GP has not replied to my request & I don’t know anyone else to ask. She has lucid times when I know she understands albeit short term memory can be an issue. The care home’s terms & conditions state that as a nominated representative ‘if I do not have legal authority,I am personally liable for all payments under this agreement ‘. Obviously I won’t agree to that. I estimate that mum will reach the upper threshold in two months so I will ask the LA to carry out a financial assessment now. My concern is that without POA how can anyone access her money? Mum could perhaps sign a cheque for current fees & possibly a direct debit but when the LA step in my understanding is they take her personal & state pension & her attendance allowance. Is my only option to apply to be a deputy? Is it as difficult as people say? Any help much appreciated as always.