Letters of Authority (LOAs)
A Letter of Authority (LOA) is a legal document that allows a customer to authorise someone to act on their behalf within agreed limits - usually a broker.
LOAs give customers confidence that the person they’ve appointed knows what actions they're authorised to make. This may be account information, billing details or personal information related to their business.
While we can’t provide a definitive list of criteria, we use all reasonable measures to verify the identity of the person and any authorisation to act on their behalf. We’ve included below the usual information we need to accept an LOA.
Please note that from 1 October 2022, we no longer accept LOAs that give a broker authority to sign a contract on a customer’s behalf (known as ‘Level 2’ LOAs).
What should you include in an LOA?
For every LOA we check we make sure:
- It has the right signatures:
- For sole traders and/or partnerships the customer named on the account must sign the LOA. We’ll also accept an attached email direct from the customer or an electronic signature.
- For limited companies, the email address can be an approved limited company email address (e.g. firstname.lastname@example.org)
- It includes the account or business name and address. The address listed can be the billing address, head office address or site address.
- It states the name and position of the person who signed the LOA.
- It includes the date of the signature.
- If it’s for a limited company, it includes the company registration number.
- If it’s for a charity, it includes the registered charity number.
- It provides the full legal name of the third party or broker it’s giving permission to.
- It states exactly what the customer authorises the third party or broker to do.
How do you submit an LOA?
Once you’ve covered all the details above, you can submit your LOA by sending it to the email address listed on the customer’s latest invoice.