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		<loc>https://www.apad.org.uk/topic/annual-reviews-visits-was-flagged-as-spam/</loc>
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		<loc>https://www.apad.org.uk/topic/my-post-has-been-flagged-how-do-i-edit-it/</loc>
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	<url>
		<loc>https://www.apad.org.uk/topic/softbox-as-an-alternative-to-caspar/</loc>
		<lastmod>2016-03-02T12:03:18+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/new-deputy-report-forms-from-01-03-16/</loc>
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	<url>
		<loc>https://www.apad.org.uk/topic/whos-using-lloydslink/</loc>
		<lastmod>2016-03-03T12:00:46+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/job-temporary-caseworker-position-lb-camden-mar-2016/</loc>
		<lastmod>2016-03-08T15:39:20+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/cop3s-completed-by-gps/</loc>
		<lastmod>2016-03-09T15:40:24+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/charging-for-non-opg-approved-items-ie-tax-returns/</loc>
		<lastmod>2016-03-18T15:43:21+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/testing-post-abc/</loc>
		<lastmod>2016-03-21T15:07:27+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/leavers-and-starters/</loc>
		<lastmod>2016-03-23T08:34:31+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/release-of-jewellery/</loc>
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		<loc>https://www.apad.org.uk/topic/court-funds-office-funerals-getting-a-payment/</loc>
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		<loc>https://www.apad.org.uk/topic/court-fees-we-can-charge/</loc>
		<lastmod>2016-04-01T11:33:57+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/who-signs-a-cop3-medical/</loc>
		<lastmod>2016-04-01T11:39:28+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/who-signs-investment-applications/</loc>
		<lastmod>2016-04-05T08:48:17+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/london-managers-meeting/</loc>
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		<loc>https://www.apad.org.uk/topic/funding-deputyship-referrals/</loc>
		<lastmod>2016-04-20T06:28:44+00:00</lastmod>
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		<lastmod>2016-04-20T10:39:39+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/cifas-registration/</loc>
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		<lastmod>2016-05-09T10:52:04+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/deceased-power-of-attorney-believed-to-have-committed-fraud/</loc>
		<lastmod>2016-05-11T08:01:56+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/placing-funds-in-trust-for-a-deputy/</loc>
		<lastmod>2016-05-16T11:59:19+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/formula-for-working-out-caseload/</loc>
		<lastmod>2016-05-18T11:04:53+00:00</lastmod>
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		<lastmod>2016-05-23T09:34:59+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/charging-for-appointeeships-again/</loc>
		<lastmod>2016-05-24T12:24:18+00:00</lastmod>
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		<lastmod>2016-05-25T13:42:59+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/dwp-safeguarding-contacts/</loc>
		<lastmod>2016-06-02T17:14:19+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/minutes-of-meeting-apad-and-opg-feb-2016/</loc>
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		<loc>https://www.apad.org.uk/topic/problems-have-been-found/</loc>
		<lastmod>2016-06-11T13:35:56+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/website-access-issues-and-an-apology-edit-log-issues-here/</loc>
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		<loc>https://www.apad.org.uk/topic/yorkshire-humber-regional-meetings/</loc>
		<lastmod>2016-06-13T18:17:17+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/court-of-protection-final-case-management-pilot-practice-direction/</loc>
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		<loc>https://www.apad.org.uk/topic/previous-referral/</loc>
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		<loc>https://www.apad.org.uk/topic/estate-management/</loc>
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		<loc>https://www.apad.org.uk/topic/access-to-forum/</loc>
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		<loc>https://www.apad.org.uk/topic/married-couple-assets/</loc>
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		<loc>https://www.apad.org.uk/topic/sky-accessible-customer-services/</loc>
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		<loc>https://www.apad.org.uk/topic/new-job-opportunity/</loc>
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		<loc>https://www.apad.org.uk/topic/statutory-wills-procurement-and-procedures/</loc>
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		<loc>https://www.apad.org.uk/topic/dols-prior-to-cop-application/</loc>
		<lastmod>2016-07-05T15:07:41+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/new-dwp-guidance-on-esa-work-capability-assessment-assessing-engagement-in-social-contact/</loc>
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		<loc>https://www.apad.org.uk/topic/opg-annual-report/</loc>
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		<loc>https://www.apad.org.uk/topic/american-pension/</loc>
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		<lastmod>2016-07-14T14:01:14+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/dwp-and-demands-long-after-death/</loc>
		<lastmod>2016-07-20T13:59:23+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/section-6-7-of-the-cop44a/</loc>
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		<loc>https://www.apad.org.uk/topic/protection-of-property-request/</loc>
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		<loc>https://www.apad.org.uk/topic/controcc-financial-protection-module/</loc>
		<lastmod>2016-07-27T14:07:12+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/dwp-lack-of-birth-date-certificate/</loc>
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		<loc>https://www.apad.org.uk/topic/property-in-lowestoft/</loc>
		<lastmod>2016-08-09T14:22:25+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/data-export-complete-20/</loc>
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		<loc>https://www.apad.org.uk/topic/recent-judgements/</loc>
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		<lastmod>2016-08-19T13:28:35+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/new-deputy-report-forms-transition-period-extended-to-01-11-16/</loc>
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		<lastmod>2016-08-24T07:04:55+00:00</lastmod>
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		<lastmod>2016-08-24T13:03:05+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/deductions-from-benefits/</loc>
		<lastmod>2016-08-30T14:10:58+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/deceased-clients-bank-account-balances/</loc>
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		<loc>https://www.apad.org.uk/topic/unmet-eligible-need/</loc>
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		<loc>https://www.apad.org.uk/topic/new-cop-forms-from-november-2016/</loc>
		<lastmod>2016-09-07T09:07:42+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/universal-credit/</loc>
		<lastmod>2016-09-07T09:26:31+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/do-you-have-lyndon-of-dwp-e-mail-i-have-a-query-re-pip/</loc>
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		<loc>https://www.apad.org.uk/topic/your-post-in-dols-prior-to-cop-application/</loc>
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		<loc>https://www.apad.org.uk/topic/caspar-and-nw-bankline/</loc>
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		<loc>https://www.apad.org.uk/topic/dps-deputy-clients/</loc>
		<lastmod>2016-09-21T08:26:40+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/data-export-complete-21/</loc>
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		<loc>https://www.apad.org.uk/topic/application-problems/</loc>
		<lastmod>2016-09-28T13:53:05+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/criteria-re-when-to-seek-financial-advice/</loc>
		<lastmod>2016-09-30T12:58:58+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/helpful-judgment-on-p-giving-evidence-taking-part-in-fact-finding-hearings/</loc>
		<lastmod>2016-10-02T15:21:43+00:00</lastmod>
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		<lastmod>2016-10-04T11:10:37+00:00</lastmod>
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		<lastmod>2016-10-06T14:06:08+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/using-external-solicitors-for-wills-and-probate/</loc>
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		<loc>https://www.apad.org.uk/topic/account-temporarily-on-hold/</loc>
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		<loc>https://www.apad.org.uk/topic/charging-the-property-fee/</loc>
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		<loc>https://www.apad.org.uk/topic/your-post-in-benchmarking-reports-and-or-info-please/</loc>
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		<lastmod>2019-07-26T09:00:22+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/genealogists/</loc>
		<lastmod>2019-07-27T15:52:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/report-on-mental-healthcourt-of-protection/</loc>
		<lastmod>2019-07-30T12:03:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/appointeshippension-credit/</loc>
		<lastmod>2019-08-09T10:04:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/subscriptions-to-genealogy-websites-such-as-ancestry/</loc>
		<lastmod>2019-08-09T10:35:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/checks-when-recruiting-new-staff/</loc>
		<lastmod>2019-08-09T14:53:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/dwp-help-sda-death-notification/</loc>
		<lastmod>2019-08-13T10:27:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/possible-change-of-bank-supplier/</loc>
		<lastmod>2019-08-14T10:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/internet-banking-queries-if-you-could-kindly-assist/</loc>
		<lastmod>2019-08-16T11:57:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/second-query-dwp/</loc>
		<lastmod>2019-08-16T12:01:31+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/ir35/</loc>
		<lastmod>2019-08-22T10:32:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/canadian-tax-requirements/</loc>
		<lastmod>2019-08-23T13:07:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/deputyship-manager-jd/</loc>
		<lastmod>2019-08-28T11:55:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/specialist-deputyship-case-management-systems/</loc>
		<lastmod>2019-08-29T11:59:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/opg-deputy-standards-and-maintaining-property-when-owned-and-occupied/</loc>
		<lastmod>2019-09-04T15:35:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/dwp-calls-welsh-offices/</loc>
		<lastmod>2019-09-05T10:01:09+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/universal-credit-identity-checks/</loc>
		<lastmod>2019-09-05T10:06:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/esa-pension-credit-notifying-savings-fluctuations/</loc>
		<lastmod>2019-09-05T10:14:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/bf57-from-pip/</loc>
		<lastmod>2019-09-05T10:23:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/fees-and-dre/</loc>
		<lastmod>2019-09-13T16:40:05+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/controcc-protection-module/</loc>
		<lastmod>2019-09-17T13:02:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/court-order-change/</loc>
		<lastmod>2019-09-19T12:34:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/cop-function-appoitneships/</loc>
		<lastmod>2019-09-24T12:05:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/other-court-order-changes/</loc>
		<lastmod>2019-09-27T11:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/individual-bank-accounts/</loc>
		<lastmod>2019-09-30T15:24:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/remit-of-client-finance-teams/</loc>
		<lastmod>2019-10-04T08:44:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/deceased-clients-2/</loc>
		<lastmod>2019-10-04T15:07:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/pip-claim-forms-post-delays/</loc>
		<lastmod>2019-10-18T08:53:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/payment-of-client-personal-pension-to-virtual-accts/</loc>
		<lastmod>2019-10-23T15:03:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/claiming-benefits-at-the-same-time-as-becoming-appointee/</loc>
		<lastmod>2019-10-25T07:57:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/shared-housing-supported-living/</loc>
		<lastmod>2019-10-25T14:58:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/refund-of-residential-care-due-to-chc-funding/</loc>
		<lastmod>2019-11-05T12:39:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/client-has-regained-capacity/</loc>
		<lastmod>2019-11-07T14:59:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/charging-for-benefit-appointees/</loc>
		<lastmod>2019-11-13T15:39:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/recovering-funds-from-lpa/</loc>
		<lastmod>2019-11-21T12:53:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/conveyancing/</loc>
		<lastmod>2019-11-26T11:24:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/conveyancing/</loc>
		<lastmod>2019-11-26T11:24:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/giff-gaff/</loc>
		<lastmod>2019-11-29T11:04:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/housing-benefit-claim-unsigned-tenancy/</loc>
		<lastmod>2019-12-02T11:46:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/charging-back-of-fees-for-pre-paid-cards-or-banking-costs/</loc>
		<lastmod>2019-12-03T16:37:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/tenancies-when-placing-in-residential-care/</loc>
		<lastmod>2019-12-05T09:56:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/dols-authorisations-for-clients-in-residential/</loc>
		<lastmod>2019-12-05T10:00:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/case-type-and-waiting-lists/</loc>
		<lastmod>2019-12-13T12:05:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/capital-limits-for-people-moving-in-and-out-of-esa-hb/</loc>
		<lastmod>2019-12-17T13:01:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/panel-deputy-applications/</loc>
		<lastmod>2019-12-18T11:46:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/pre-paid-cards-2/</loc>
		<lastmod>2020-01-09T11:23:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/financial-investment-policy/</loc>
		<lastmod>2020-01-09T16:18:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/dwp-debt-management-issues/</loc>
		<lastmod>2020-01-17T09:16:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/job-descriptions-for-client-financial-affairs-team-manager/</loc>
		<lastmod>2020-01-27T15:22:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/couples-and-their-opg-accounts-and-bank-accounts/</loc>
		<lastmod>2020-02-03T15:43:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/cash-being-picked-up-any-alternatives/</loc>
		<lastmod>2020-02-04T13:17:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/case-management-it-systems/</loc>
		<lastmod>2020-02-05T09:29:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/apad-conference-2020/</loc>
		<lastmod>2020-02-11T13:08:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/apad-national-committee-2/</loc>
		<lastmod>2020-02-11T13:26:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/death-of-a-client-whilst-awaiting-court-of-protection-to-accept/</loc>
		<lastmod>2020-02-14T10:20:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/counterfeit-cheques/</loc>
		<lastmod>2020-02-18T13:32:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/pfs-know-your-customer-information/</loc>
		<lastmod>2020-02-21T08:42:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/court-process-re-panel-deputy-appointments/</loc>
		<lastmod>2020-02-25T15:16:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/esa-migration-to-universal-credit/</loc>
		<lastmod>2020-02-26T08:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/criminal-injury-compension/</loc>
		<lastmod>2020-03-04T14:14:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/loaning-fees-to-family-members-enabling-grant-of-deputyship/</loc>
		<lastmod>2020-03-10T09:11:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/covid-19-business-continutity/</loc>
		<lastmod>2020-03-20T08:52:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/investments-3/</loc>
		<lastmod>2020-03-23T15:40:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/metro-bank/</loc>
		<lastmod>2020-04-21T09:43:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/coronavirus-covid19-and-benefits-page-on-website/</loc>
		<lastmod>2020-05-07T10:08:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/banking-system/</loc>
		<lastmod>2020-05-11T11:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/taking-deputys-fees-from-deceased-estates/</loc>
		<lastmod>2020-05-13T08:27:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/access-to-general-legal-advice/</loc>
		<lastmod>2020-05-15T09:30:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/use-of-caspar-or-other-deputyship-programs/</loc>
		<lastmod>2020-05-15T09:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/prepayment-cards/</loc>
		<lastmod>2020-05-15T09:42:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/cifas-vulnerable-persons-register/</loc>
		<lastmod>2020-05-21T07:23:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/incapacitated-deputy/</loc>
		<lastmod>2020-05-28T15:31:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/foreign-property/</loc>
		<lastmod>2020-05-29T09:15:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/conflict/</loc>
		<lastmod>2020-06-02T09:45:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/agencies-which-undertake-annual-financial-review-visits/</loc>
		<lastmod>2020-06-04T15:59:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/charging-for-travel-time-for-deputyship-annual-visits/</loc>
		<lastmod>2020-06-05T10:54:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/advice-needed/</loc>
		<lastmod>2020-06-05T15:50:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/annual-review-and-opg/</loc>
		<lastmod>2020-06-08T11:23:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/deceased-processes/</loc>
		<lastmod>2020-06-09T07:16:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/adding-a-deputy/</loc>
		<lastmod>2020-06-18T11:01:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/bank-credit-checks/</loc>
		<lastmod>2020-06-18T11:11:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/emailed-cop-applications/</loc>
		<lastmod>2020-07-07T09:08:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/caspar-issues-with-home-working/</loc>
		<lastmod>2020-07-13T12:42:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/appointee-charges-2/</loc>
		<lastmod>2020-07-14T12:17:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/personal-allowance/</loc>
		<lastmod>2020-07-15T13:11:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/independent-financial-advice/</loc>
		<lastmod>2020-07-16T15:44:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/court-orders-no-longer-granting-authority-to-sell-a-clients-property/</loc>
		<lastmod>2020-07-17T11:05:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/court-orders-no-longer-granting-authority-to-sell-a-clients-property-2/</loc>
		<lastmod>2020-07-17T11:07:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/charging-deceased-cop-clients/</loc>
		<lastmod>2020-07-28T09:57:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/gdpr-redacting-cop1a-information/</loc>
		<lastmod>2020-08-03T11:37:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/returned-opg-payments/</loc>
		<lastmod>2020-08-07T11:10:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/caspar-renewal-charges/</loc>
		<lastmod>2020-08-20T15:44:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/applying-for-a-grant-of-representation-for-a-cop-client/</loc>
		<lastmod>2020-08-24T13:00:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/investment/</loc>
		<lastmod>2020-08-25T10:21:09+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/purchasing-funeral-plans/</loc>
		<lastmod>2020-08-25T10:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/probate-requirements/</loc>
		<lastmod>2020-08-27T11:25:07+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/challenging-a-capacity-assessment/</loc>
		<lastmod>2020-08-27T17:22:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/mobility-car/</loc>
		<lastmod>2020-09-03T09:03:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/capital-thresholds/</loc>
		<lastmod>2020-09-07T10:51:49+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/evidence-of-identity-for-deputy-clients/</loc>
		<lastmod>2020-09-07T17:15:58+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/appointeeship-deputyship-responsibilities/</loc>
		<lastmod>2020-09-10T11:22:28+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/rent-statements-from-former-care-home-now-supported-housing-provider/</loc>
		<lastmod>2020-09-11T09:28:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.apad.org.uk/topic/apad-accreditation/</loc>
		<lastmod>2020-09-17T14:46:59+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/sending-cop20s-electronically/</loc>
		<lastmod>2020-09-28T14:55:27+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/family-tracing-services-and-will-tracing/</loc>
		<lastmod>2020-09-30T13:06:10+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/mobile-phone-contracts/</loc>
		<lastmod>2020-10-05T16:04:06+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/gathering-perspectives-on-opg-assurance-visits-during-the-pandemic/</loc>
		<lastmod>2020-10-12T14:34:18+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/solicitor-requesting-contact-details-to-create-a-national-contact-list/</loc>
		<lastmod>2020-10-20T15:11:13+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/query-re-care-home-transport-costs-to-clients-during-covid-19-lockdown/</loc>
		<lastmod>2020-10-21T15:01:00+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/completion-of-cop-3/</loc>
		<lastmod>2020-11-06T13:24:28+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/issues-with-universal-credit-phone-only-claims/</loc>
		<lastmod>2020-11-09T12:40:32+00:00</lastmod>
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		<lastmod>2020-11-10T12:52:33+00:00</lastmod>
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		<lastmod>2020-11-11T15:21:13+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/paying-out-estate-cases/</loc>
		<lastmod>2022-01-14T15:23:01+00:00</lastmod>
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	<url>
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		<lastmod>2022-01-26T08:31:37+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/probate-for-cop-client/</loc>
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		<loc>https://www.apad.org.uk/topic/access-rights-for-money-management/</loc>
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		<lastmod>2022-03-30T10:55:50+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/opg-assurance-visits/</loc>
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		<loc>https://www.apad.org.uk/topic/card-payments-on-behalf-of-clients/</loc>
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		<loc>https://www.apad.org.uk/topic/number-of-deputyship-appointeeship-clients-held/</loc>
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		<loc>https://www.apad.org.uk/topic/court-of-protection-contact/</loc>
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		<loc>https://www.apad.org.uk/topic/paying-for-funeral-costs/</loc>
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		<loc>https://www.apad.org.uk/topic/court-of-protection-applications-for-residential-care-cases-and-dols-documents/</loc>
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		<lastmod>2022-05-26T11:56:19+00:00</lastmod>
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		<lastmod>2022-06-08T12:37:44+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/banks-requesting-personal-id-for-council-staff/</loc>
		<lastmod>2022-06-09T13:41:13+00:00</lastmod>
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	<url>
		<loc>https://www.apad.org.uk/topic/property-abroad/</loc>
		<lastmod>2022-06-14T11:52:27+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/universal-credit-and-id/</loc>
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		<lastmod>2022-07-04T12:43:43+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/electronic-link-to-court-orders-for-banks-etc/</loc>
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		<loc>https://www.apad.org.uk/topic/mobile-phones/</loc>
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		<loc>https://www.apad.org.uk/topic/dwp-cost-of-living-payments/</loc>
		<lastmod>2022-07-14T08:36:35+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/asset-searches/</loc>
		<lastmod>2022-07-18T12:00:01+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/client-deceased-before-cop-granted/</loc>
		<lastmod>2022-07-29T15:27:12+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/quality-assurance-framework/</loc>
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		<loc>https://www.apad.org.uk/topic/supported-living-contents-insurance/</loc>
		<lastmod>2022-08-08T12:03:22+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/universal-credit-payments-being-made-without-ninos/</loc>
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		<loc>https://www.apad.org.uk/topic/beneficiary-tracing-companies-for-deceased-estates/</loc>
		<lastmod>2022-08-23T12:01:25+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/referring-panel-deputy-cases-to-jmw-solicitors/</loc>
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		<loc>https://www.apad.org.uk/topic/charging-for-appointeeships-3/</loc>
		<lastmod>2022-09-21T08:55:07+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/starting-new-tenancy/</loc>
		<lastmod>2022-09-29T11:16:55+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/team-resource/</loc>
		<lastmod>2022-10-06T11:32:06+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/casper-cloud/</loc>
		<lastmod>2022-10-06T15:34:32+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/natwest-bankline-advice/</loc>
		<lastmod>2022-10-06T16:13:36+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/bank-holiday-payments-for-personal-allowance/</loc>
		<lastmod>2022-10-12T07:46:28+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/charging-fees/</loc>
		<lastmod>2022-10-18T16:31:06+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/chcf-cases/</loc>
		<lastmod>2022-10-18T16:51:53+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/can-anyone-help-lloyds-cbo-and-caspar-automatic-reconciliation/</loc>
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		<loc>https://www.apad.org.uk/topic/pre-paid-card-clevacard/</loc>
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		<loc>https://www.apad.org.uk/topic/can-anyone-help-please-has-anyone-used-branco-de-portugal-to-access-accounts/</loc>
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		<loc>https://www.apad.org.uk/topic/cop9/</loc>
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		<loc>https://www.apad.org.uk/topic/insurance-for-unoccupied-properties/</loc>
		<lastmod>2022-12-12T15:32:17+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/sending-cop20s-electronically-2/</loc>
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		<loc>https://www.apad.org.uk/topic/new-cop-process-from-1st-january-2023/</loc>
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		<loc>https://www.apad.org.uk/topic/concerns-re-funeral-director/</loc>
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		<loc>https://www.apad.org.uk/topic/qualified-medical-practitioner/</loc>
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		<loc>https://www.apad.org.uk/topic/charging-for-appointeeship-consulations/</loc>
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		<loc>https://www.apad.org.uk/topic/annual-deputy-visit/</loc>
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		<loc>https://www.apad.org.uk/topic/67-66-refund-from-electricity-companies/</loc>
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	<url>
		<loc>https://www.apad.org.uk/topic/draft-orders/</loc>
		<lastmod>2023-02-06T11:56:00+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/options-other-than-panel-deputies/</loc>
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		<loc>https://www.apad.org.uk/topic/allpay-prepaid-cards/</loc>
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		<loc>https://www.apad.org.uk/topic/bmap-migration/</loc>
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		<loc>https://www.apad.org.uk/topic/deceased-where-no-nok-is-identified/</loc>
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		<loc>https://www.apad.org.uk/topic/direct-payments-5/</loc>
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		<loc>https://www.apad.org.uk/topic/management-of-properties/</loc>
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		<loc>https://www.apad.org.uk/topic/annual-visits/</loc>
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		<loc>https://www.apad.org.uk/topic/change-in-banking-provider/</loc>
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		<loc>https://www.apad.org.uk/topic/direct-payments-6/</loc>
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		<loc>https://www.apad.org.uk/topic/use-of-independent-financial-advisers/</loc>
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		<loc>https://www.apad.org.uk/topic/cost-of-living-payments-uc-disregard/</loc>
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		<loc>https://www.apad.org.uk/topic/potential-inheritance-for-p/</loc>
		<lastmod>2023-05-23T15:07:18+00:00</lastmod>
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		<loc>https://www.apad.org.uk/topic/caspar-migration-to-cloud/</loc>
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		<loc>https://www.apad.org.uk/topic/under-18s/</loc>
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		<loc>https://www.apad.org.uk/topic/cash-delivery-to-clients/</loc>
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		<loc>https://www.apad.org.uk/topic/court-order-reference-numbers/</loc>
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		<loc>https://www.apad.org.uk/topic/benefit-claims-for-foreign-nationals/</loc>
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		<loc>https://www.apad.org.uk/topic/funeral-plans-3/</loc>
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		<loc>https://www.apad.org.uk/topic/allpay/</loc>
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		<loc>https://www.apad.org.uk/topic/joint-account-query/</loc>
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		<loc>https://www.apad.org.uk/topic/opg-receivership-cases/</loc>
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		<loc>https://www.apad.org.uk/topic/new-cop3-2/</loc>
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		<loc>https://www.apad.org.uk/topic/problems-delays-with-dwp-processing-corporate-appointeeship-applications/</loc>
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		<loc>https://www.apad.org.uk/topic/cash-management-funds/</loc>
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