Are you meeting your safeguarding duties?

 In Elderly/Vulnerable Client, Practice Management

Disclaimer: LawSkills provides training for the legal industry and does not provide legal advice to members of the public. For help or guidance please seek the services of a qualified practitioner.

Are you meeting your safeguarding dutiesIn December 2018, high street bank Santander was fined nearly £33m for failing to pass on the assets of deceased customers to their personal representatives and beneficiaries. In some cases, said the Financial Conduct Authority, the bank failed to realise that the deceased customer had multiple accounts. So if the beneficiaries and representatives were also unaware, the money was never released by the bank.

A separate case, re: MM, highlights the potential difficulties of a situation where two attorneys, appointed jointly and severally – one of whom is a solicitor. In theory, this is a sensible arrangement; there is both an attorney with a personal connection to the individual, and an attorney who understands the relevant legal responsibilities and constraints and can ensure that the attorneyship is correctly managed.

In the case of MM, however, financial abuse occurred, and that abuse would have been noticed sooner had the professional attorney sought access to financial statements, or had established a better understanding of the relationships of the donor and her family, only one of which had been appointed as attorney.

The LawSkills Monthly Digest

Subscribe to our comprehensive Monthly Digest for insightful feedback on Wills, Probate, Trusts, Tax and Elderly & Vulnerable client matters

Not complicated to read  |  Requires no internet searching |  Simply an informative pdf emailed to your inbox including practice points & tips

Subscribe now for monthly insightful feedback on key issues.

All for only £120 + VAT per year
(£97.50 for 10+)

Lawskills Digest

Talking about the law as it applied to this case, District Judge Batten referred to paragraph 7.59 of the Code of Practice to the MCA 2005, which states:

“Duty of care’ means applying a certain standard of care and skill – depending on whether the attorney is paid for their services or holds relevant professional qualifications…. If attorneys are being paid for their services, they should demonstrate a higher degree of care & skill. Attorneys who undertake their duties in the course of their professional work (such as solicitors….) must display professional competence and follow their profession’s rules and standards.”

The Judge ruled that the Property and Financial Affairs LPA should be wholly revoked and a panel Deputy appointed. The solicitor was responsible for their own costs incurred by the case, and jointly responsible for the Official Solicitor’s costs and any other reasonable costs arising.

The importance of safeguarding

Both these cases show a need for all attorneys to have clear, real-time oversight over the individuals’ financial matters, and the case of MM shows how important it is for professional attorneys to not only understand the law, but apply it strictly and in the individual’s interests. Attorneys cannot simply add the individual to a long list of clients and hope that everything goes smoothly. Attorneyships are often made and used in times of stress and can bring significant complications. It is the duty of a professional attorney to do everything they can to administer an estate wholly in the interests of an individual and to guide any other attorneys accordingly.

Technology that promotes professional safeguarding

Switchfoot Teams provides a secure, easy-to-use app that allows individuals to view all their bank and savings accounts, pensions, investments and mortgages in one place. Updates are real-time, but no transactions can be made. Individuals can also upload essential documents such as wills, powers of attorney and insurance details, giving attorneys access to all the relevant information at the touch of a button.  Safeguarding benefits include:

  • A daily bookkeeping service based on real time data gives a much better financial overview than a 6-monthly check on the books.
  • Automated reports can be produced every month for the attorneys to review.
  • Income and expenditure can be presented in a bespoke chart of accounts, highlighting any areas of sensitivity.  Budgets and alerts are fully customisable, so any area of concern can be monitored.

Alerts can be set for any type of transaction, so attorneys can be made aware of any out-of-the-ordinary transactions.  Attorneys can be given permissions over the app at different levels, and can invite other relevant parties to view particular sections of the app for overall transparency. It’s a solution that allows professional attorneys to improve safeguarding in one easy step, whilst allowing all other interested parties to view and contribute where appropriate.

For further information or to arrange a demonstration contact Sebastian directly or visit the website

FREE monthly newsletter

Wills | Probate | Trusts | Tax  | Elderly & Vulnerable Client

  • Relevant learning and development opportunities
  • News, articles and LawSkills’ services
  • Communications which help you find appropriate training in your area
Recommended Posts
Are your service levels consistent?