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Who does your mother wish to leave her estate to upon her passing?
Does she have any other children?
How much money are we talking about?
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Power of attorneys are for person who have lost the requisite mental capacity to make decisions for themselves. In anticipation of this they can grant to attorneys powers to make decisions about their welfare/health and finances. Info here:-
A Will obviously directs what should happen to a person's estate upon death, if there is no Will then the estate would pass under the intestacy rules. Under the intestacy rules you and your sister would be entitled to your mother's estate after the payment of funeral expenses/debts. If this is not what your mother wants then she should speak to a local wills and probate solicitor about making a very simply Will. It should cost around £150.00+VAT.
You can find solicitors here:-
You would probably not need to apply for probate given the relatively small size of the estate and instead you should be able to ask the bank to release the money to you after completing their standard "small estates" form.
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Yes, if your mother does not make a Will and you receive the money from the bank then your sister would have a claim against you for her share. She could sue you for it and would be successful.
Your mother needs to make a Will to avoid this and give effect to her proper wishes.
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