It took me several months to post off my mum's signed power of attorney forms, then we waited for it to come through which it did. We started paying for my mum to have a carer two days a week in December, and I used my husband's credit card to pay the agency, as I just had a belief that I could get the money out of my mum's account to pay back my husband once the power of attorney was all sorted out. My husband has harassed me for months to do it, but I was too busy! I have now cancelled the credit card payment to the care agency and I am (1) trying to work out how to pay using my mum's money, and, (2) trying to figure out how to refund my husband the £2k he has spent so far on my mother's care. Before anyone thinks I am utterly stupid here, for the obvious laziness, I have found dementia such a crushing debilitating force on my life, I bury my head in the sand regarding many administrative issues and I'm extremely depressed I can't think straight on most topics. My mum's bank is F**** D***** subsidiary of H****. So no branch I can walk into for help. I know her online banking details but I have never used it myself - I take it I can't just use it now, notwithstanding I have POA? How simple if I could. I've tried looking online what to do but I can't find it anywhere. What are my first steps to being allowed to access my mum's money to pay for the carer, and will I be able to give my husband the refund? Also, will I be able to use my mum's money to pay myself back for the POA fees x2, and the chiropody fees for her I've paid over the past six months? Please help! I am just about to submit my own credit card details into the agency website to pay for the carer, but surely this isn't right.