Hi, I am in a similar situation. My father recently passed away and although I had LPOA for him, we were never able to complete this for Mum, who has advanced mixed Dementia and has been resident in a Nursing Home for nearly 6 years, by the time Mum was diagnosed she did not have capacity! I am now stuck in the situation that because they had a joint bank account, the bank has frozen the account, even though my father left a will naming my sister and me as executors, to look after his money and to provide for Mum. The bank now refuses me access to the account and say they despite his Codicil, the money in the joint account is legally Mum's, even though she does not have capacity to access or use the money. Also, they say they have to continue to send statements to Dad's old sheltered housing address even though this will soon be occupied by someone else and the bank ( National Westminster) will not accept Mum's Nursing Home address without her consent. My only option is Court of Protection, but I am struggling to find someone to complete the Capacity section. I have been advised to contact a private Psychiatrist to assess Mum ( which I am sure she will find stressful) to complete the necessary form. I am considering whether to just leave things as they are, as the assessment will be quite expensive. I am not particularly bothered about accessing the money in the account, more about her personal information/statements getting into the wrong hands.