My Mother ramped up £3,000 of debt without me knowing, she did not get asked by the lender neither did she have to tell the lender that she had nominated me as her enduring POA. When I discovered the lending I challenged the company and they struck the debt off.. stating they were unaware of a pre-existing POA being in place.. yet they do not ask or check... The lender says 'policy dictates they have to strike the debt when a POA comes to light' why ???? and why don;t they check ?