Complete a copy of the form and return to The Cumberland. Details of returning your form can be found in Step 2.
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To register one of these documents with us, please complete the steps below:
Complete a copy of the form and return to The Cumberland. Details of returning your form can be found in Step 2.
Contact our Customer Care Team and we will post a copy of the form to you.
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Please provide us with the original legal document to allow us to take a copy for our records. It may not always be possible to provide us with original documents. Copies of documents can be certified by a regulated professional person, such as a solicitor, accountant or bank official.
We will use our electronic verification system to verify your identity. In certain circumstances this may not be successful (for example if you have recently moved house and you are not yet listed on the electoral roll). We may need to ask you for additional identification.
We will send a letter confirming that the document has been registered and you can act on the Account Holder's behalf.
The Government website gives a useful overview of the information you need.
The Scottish Government website gives a useful overview of the information you need.
Age UKThe UK’s largest charity working with older people have a great deal of additional information.
UK FinanceGuidance for people wanting to manage a bank account for someone else.
Citizens adviceFree confidential assistance is always available in 316 UK wide locations.
The NHSThe NHS can offer expert guidance on these matters.
United against dementiaUnited against dementia can offer informed advice.
Find a legal adviserYou may also want to speak to a solicitor about all your options.
If you need help please contact us.
In England and Wales mental incapacity is governed by the Mental Capacity Act 2005. Mental incapacity is defined in the Act to arise ‘because of an impairment of, or a disturbance in the functioning of, the mind or brain’. The assessment of a person’s capacity must be based on their ability to make a specific decision at the time it needs to be made and not their ability to make decisions in general.
The Act also provides that the impairment or disturbance does not have to be permanent. A person can lack capacity to make the decision at the time it needs to be made even if the loss of capacity is partial, temporary or their capacity changes over time.
Mental capacity means being able to understand a specific decision, retain information for long enough to make it, weigh up different choices and communicate the decision in any way possible.
The starting assumption must always be that the person has the capacity to make a decision, unless it can be established that they lack capacity. A person may also lack capacity to make decisions about one issue but not others.
Mental capacity can change over time and someone may not be able to make a decision at one time, and then be able to make the same decision at another time.
Someone with mental capacity is able to communicate decisions through speech, signs, gestures or in other ways. Taking time to understand or communicate may be mistaken for a lack of mental capacity, but having dementia, for example, doesn’t necessarily mean someone can’t make any decisions themselves.
If someone is having difficulty communicating what sort of decision they want to make, an attempt should always be made to overcome that difficulty and help the person decide for themselves.
Assessment of mental capacity is a medical function - our staff, no matter how well they know you as a customer or your family and friends, aren’t medical professionals and so can’t advise on someone’s mental capacity.