Thanks for the extra info. @skylorikeet - I will try to go along on 21st Sept if I can, although I?m much clearer now on the questions I had. I?ll also post again when we?re further down the road, but so far we are sorted on the first stage of applying and registering, and now we are looking into consequences of joint bank accounts. As some of you and others have said, the banks need a lot of hand holding with something that they ought to take in their stride - which means they might not react well to me being attorney for both parties in a joint bank account! So we are investigating and will update the post with everything we?ve learned in case it helps anyone else.