I'd almost forgotten about the joint account set up. When Dad was deteriorating HSBC allowed Mum to change his account to a joint one. I was pleasantly surprised that they did it with no fuss at all. I recall going with Mum and Dad to their local branch when Dad was at a stage where he was struggling to sign things. That was long before we had even heard of EPAs and it allowed Mum to carry on as normal throughout his illness. It was only when Aunt showed signs of the illness that a financial advisor suggested whe ought to set up an EPA and then without prompting my Aunt produced the blank form one day (we realise now that she probably knew she she was in trouble). Please don't be afraid of the process. You need to do something whether its an EPA or a Joint account otherwise things will be even more complicated than they are now. Take one step at a time, don't be worrying about what else your Mum wants to do until this bit is sorted. then take advice at each turn.