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.

 

Power of attorney

This gives someone the legal authority to deal with third parties for you, such as banks or the local council, and in some cases the legal power to make a decision on your behalf.

Court order

A court will appoint someone on your behalf if you are unable to do so.

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 banking – 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

Court orders

  • If you lose mental capacity, someone can apply to the Court of Protection for a deputyship order to manage your bank accounts and other matters.

    The deputyship order will say what the person (deputy) can do.

  • If you lose mental capacity, someone can apply to the sheriff court for a guardianship order to manage your bank accounts and other matters.

    The guardianship order will say what the person (guardian) can do.

  • If you lose mental capacity, someone can apply to the high court for a controllership order to manage your bank accounts and other matters.

    The controllership order will say what the person (controller) can do.

  • If you lose mental capacity, someone can apply to the Sheriff Court for an intervention order to manage your bank accounts 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.

Office of the Public Guardian