Helping a friend or relative who is struggling to manage their finances can be difficult, especially if they do not have the mental capacity to make their own decisions.

For many people, the solution is to make a power of attorney - a way of giving someone the legal power to manage their finances.

In most cases, making a power of attorney will mean an end to the problems that can arise in these situations. But sometimes things go wrong, which is why the ombudsman has provided tips for both banks and consumers on power of attorney – and how to avoid problems.

For more information, please visit the Financial Ombudsman's website