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Case Studies and Cautionary Tales

What Can Happen If You Don't Take Action Now?

Find Out What Regrets and Heartache You and Your Family Could Avoid….

Below, we’ll tell you a story about Elizabeth and Edgar. We’ve changed the names for their privacy, but their story – and their plight – is very real. Don’t suffer they way they have…

Elizabeth and Edgar’s Story

LPA Case Study

Elizabeth and Edgar were a married couple in their early 60s. Edgar was looking forward to his retirement to spend more time with his loving wife and family. They’d been together, through good times and not-so-good for over 35 years, and loved their only daughter, Lucy and grandchildren Alison and Mark dearly.

They’d recently seen an estate planning adviser who had talked to them about leaving more money for their daughter and grandchildren, using a Trust which they thought was a great idea. They’d also talked about LPAs. Elizabeth had wanted to go ahead and get everything in place right away, but Edgar had decided they’d “think about it” for now.

Edgar ran a small business, and was getting ready to hand it over to Lucy and his son-in-law, James.

One day as Elizabeth, or “Lizabet” as Edgar called her, was waiting for her husband to come home from work, she got a call. Her blood ran cold as a voice on the other end identified themselves as PC Elaine Harwick and told her Edgar had been involved in a car accident.

Later, in hospital, she looked at the serene face of her husband as the doctor told her that Edgar was in a coma, and they didn’t know when he might come out of it. In fact, Edgar is still in that coma, and Elizabeth visits him often in silent vigil, hoping he can hear her as she tells him about what the grandkids have been up to and what’s been happening on “The Archers” his favourite radio show.

What Edgar doesn’t know, and what Lizabet never tells him is how much she has suffered in the meantime.

If he can hear her he does know that she misses him terribly because she tells him every time. But he doesn’t know about the trauma that’s happened because he didn’t put the LPAs in place. She never tells him how much suffering that’s caused her because she doesn’t want him to worry or feel bad.

However, her suffering has been real and very traumatic.

She has cried many times at how unfair the system is and how unfeeling. At first she was angry and tried to argue that she was Edgar’s wife and she was the only person he would have wanted to take over his affairs and make decisions. It was obvious! Why wouldn’t they listen?

But they didn’t listen and now she has got used to listening, sadly, to them instead as she finds out about decisions they’ve made at the hospital without even consulting her.

She has grown used to the Court of Protection and how every time she has to go there it swallows another huge chunk of their nest egg which they’d planned to leave for Lucy and especially little Alison and Mark. The money has nearly run out now – and they still haven’t granted her deputyship for either Edgar’s finances and business affairs or for decisions about his treatment. 

The lawyers say they probably never will attain her deputyship for treatment issues.

She doesn’t even know how she would ever begin to tell Edgar that the lack of an LPA meant his business, which he worked so hard on for years and years, effectively closed the day he went into his coma because they froze the bank accounts and still haven’t given her control of them.

It’s all too late now. “If only,” she thinks. “Why didn’t we do this when we had then chance. why?”

Today, Elizabeth is constantly worried about money, bills and a complete lack of security and certainty, facing all of this adversity without her husband of 35 years.

When she saw him yesterday, Edgar looked peacefully asleep, as he always does, blissfully unaware of the chaos, trauma and destruction wrought by his oversight…

If only… 

What YOU Can Do To Keep Your Family Safe From This Harm…

Create Health and Welfare LPAs

Because – Without these, your family will NEVER aagin be in control of where you live, how you should be treated medically – and any wishes regarding treatment, what you should eat or who you should have contact with…

Create Property and Finance LPAs

Because – Without these, your family will have to apply to the Court of Protection – at a cost of £5,000 – £10,000 each time – to deal with accessing or running your bank accounts, paying your bills, or making any property or investment decisions. Imagine the expense and stress!

Create LPAs to Deal With Your Business Affairs too

Because – 

Without these, most small businesses will simply close, effectively the moment you lose mental capacity. The bank accounts will be frozen, pending months of applications to the Court of Protection to plead for control.

If your familt relies on the business to pay the mortgage, then they will face eviction from your house in the meantime as there will be nothing to pay that or the household bills. If you have employees they too will be caught up in this chaos and will go unpaid along with any suppliers.

Could your family survive this? Most families couldn’t. 

Life Can Throw Up Some Bumps. We're Here To Smooth The Way For You...

Legal pitfalls can arise in lots of different situations. We know what to do to help you avoid them and never suffer the horror that might ensue if you weren’t protected from harm. Below are some more real life stories that will show you some things you may not even have thought about – and what you can do about it…

Michael and Susan Fall Out Over Their Property...

Making sure that you own your property in the most appropriate way means that you have made the right choice to avoid potentially complex legal issues…

When Wills Go Very Wrong for John, and Mary, and Rose, David and Anthony

Whether you are a single person, married, in a civil or same sex partnership or co-habiting with someone, you need to make a Will.  However it’s still, incredibly, the case that over 60% of UK adults don’t have a valid Will in place. Needless to say, this can cause a lot of horrible problems…

When Laura's Child Was left All Alone In The World...

The stark reality is that, if your children have no living parents and you have not appointed a Guardian or Guardians in your Estate Plan, an application must be made to the Courts for a Guardian to be appointed to look after any children who are under the age of 18. You don’t want that for your kids, do you?

William and Mary "Loved The Taxman So Much" They Gave Him An Extra £50,000!

Nobody loves the taxman that much, surely! It’s amazing how many ways your wealth can be eroded during your lifetime. You’ve worked hard for what you have. Let’s help your family keep as much as possible after you’re gone. Doesn’t that just mkaes sense?

Why Should You Use Us?

Because we love what we do and we do it really well.

We're owned by a husband and wife team who met when qualifying as solicitors in 1992 - so our principals have nearly 58 years' legal experience between them.

Much of this has been at some of the  world's most celebrated law firms - the kind who deal with royalty and the aristocracy. With us, you'll be in the safe hands of lawyers who can normally cost £500 per hour.

So you get Senior Partner level lawyers, but with fees you can afford. Does that sound good?

Brian is a senior lawyer by background. He began legal life at the “magic circle” firm Allen & Overy in the City and is an expert in private client work via his time in several law firms and other commercial activities as a Director.

He finds LPA and estate planning work is the most satisfying of all because:

"When we have finished each client is completeley safe. We've worked with PLCs and the rich and famous, but nothing makes me happier than knowing when I meet my next client that I am going to ensure they get complete peace of mind. I am hoping that next client is YOU..."

Brian McKibbin LLM, ACIARB

Owner, LPA Guardian

Harvinder is a senior partner ex-solicitor who began her career with much success at the world-renowned  Allen & Overy in the City of London.

Harvinder is well known for her work with private clients and brings a profound sense of calm as well as a sincere empathy for their situation and circumstances.

Her experience and general demeanour bring a skilled listener who adds rapport to efficiency.

She says: "I'm looking forward to meeting you, and to making your family fortunes safe and sound."

Harvinder Kaur LLB

Owner, LPA Guardian

Don’t Wait Any Longer. Start To Get Your Peace Of Mind Today!