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    There is an important point here.

    New legislation means that if you lose your marbles the Court of Protection takes control of you personally and financially. This has resulted in family members being financially embarrassed. In fact there is case evidence where joint accounts get frozen so a spouse cannot get hold of their own money.

    This can happen through old age or accident, suddenly or gradually.

    A Lasting Power of Attorney (living will) is something everyone should arrange while in a good state of mental health. It would not be put into force until the need arose.

    Everyone should have one in the draw ready in case needed.

    I recommend getting 3 quotes from solicitors to do one - there are wide cost variations so 3 quotes are essential.

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