My Mum has early stages of dementia. She manages to get cash out ok by going to the counter. But she will sometimes lose her cards or cheque book this has led to cheques bouncing and complicated situations. She was being pursued by a debt collecting agency for her ground rent and she did not understand that her cheques had bounced because she had cancelled them. She asked for my advice so I went to the debt collecting agency to figure out what had happened. I advised my Mum to go to the bank and settle up (that was the cheapest way to resolve it). When she did not do this and was about to be taken to court I silently registered LPA on my Mum's bank account and managed to do an internet banking transfer of the outstanding amount. Unfortunately the debt collecting agency then wrote and told her the debt had been paid and she phoned them up and was told it was me that paid it for her. She then went to the bank and asked for the LPA to be unregistered from her account. In the meantime she lost her keys and called 5 locksmiths. Two turned up; one changed the lock and the other wanted travel expenses for being called out. She could not find her cheque book so they asked for my number as next of kin. When I tried to settle the bills using internet banking I found out that I no longer had internet banking access. I discussed with the bank and they say I can register the LPA again but either I completely have to take over her account OR she will be able to unregister the LPA. Is there not some sort of half way house. Where I can register LPA and she can still draw cash each week. She is never reckless with cash, lives within her means but she cant handle the more complicated payment of one of bills now. What is a banks responsibility in these situations. Is there a code of conduct or policies that I can quote at the bank. When I speak with different people at the bank I get the feeling I am being told something different each time. Unfortunately she lives an hours drive away so I cant take full control of her account. She needs to able to get cash out for as long as she can manage; but I will need to be able to step in sometimes.