Appoint someone to manage your affairs
You can appoint a trusted person to help you manage your affairs if you need to. This page will tell you how.
Your options
A trusted person can help you manage your credit card and money matters. This could be a family member, friend or neighbour.
There are a number of reasons why someone may need to act on your behalf. For example, you may be living abroad or have serious health conditions. The person you can choose can manage your account in different ways. Choosing the right option will depend on your circumstances.
Types of access
There are a variety of types of access available. Your situation will inform the access type you require.
Depending on the type of access granted and the number of attorneys required to make decisions, the legal document could restrict us from offering some services.
Step by step guide
Once you have confirmed the access type required, you need to complete the following steps in order to appoint a trusted person to manage your credit card, loan and finances.
1) Prepare your documentation
If you need documentation for the access type you’re setting up, make sure you have this in place before calling us.
For more guidance, please visit the website of the Office of the Public Guardian.
2) Contact Us
Contact us on 0800 085 9131. Make sure you have the legal document to hand
You may need to post it to:
MBNA Representative Access Unit
MBNA Limited
Credit Card Operations
BX1 1LT
3) Your access is confirmed
Once everything is complete, the person you’ve authorised will be able to use:
- Telephone services – they’ll be able to call and discuss your credit card or loan account with us.
- Online Card Services – they’ll be able to access and manage your credit card account online.
Power of attorney
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An option if you live abroad or become ill and you’d like someone to help manage your finances. This option is not right for you if you lose mental capacity (also physical capacity if you live in Scotland).
For more information, you may want to contact a lawyer or the Citizens Advice Bureau.
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This option gives a third party the ability to manage your finances, either before or after you lose mental capacity.
If you are losing or have lost mental capacity, the EPA has to be registered with the Office of the Public Guardian (OPG) before your chosen person (attorney) can continue to help.
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This option gives a third party the ability to manage your finances, either before or after you lose mental capacity.
An EPA has to be registered with the Office of Care and Protection before it can be used.
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This option gives a third party the ability to manage your finances, either before or after you lose mental capacity.
An LPA has to be registered with the Office of the Public Guardian (OPG) before it can be used
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This option gives a third party the ability to manage your finances, either before or after you lose mental and/or physical capacity.
The CPA has to be registered with the Office of the Public Guardian (OPG) Scotland before it can be used.
Court orders
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If you lose mental capacity, someone can apply to the Court of Protection for a deputyship order to manage your finances and other matters.
The deputyship order will say what the person (deputy) can do.
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If you lose mental capacity, someone can apply to the sheriff court for a guardianship order to manage your finances and other matters.
The guardianship order will say what the person (guardian) can do.
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If you lose mental capacity, someone can apply to the high court for a controllership order to manage your finances and other matters.
The controllership order will say what the person (controller) can do.
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If you lose mental capacity, someone can apply to the Sheriff Court for an intervention order to manage your finances and other matters.
The intervention order will say what the person (intervener) can do. It will come to an end once the decision or action allowed has been completed.
Further information
For further advice and information, contact the Office of the Public Guardian (Office of Care and Protection in Northern Ireland) or your solicitor.