as the title says, I need some advice. Last night I was playing taxi service to my Mum, a small price to pay for the 17 years she did it for me. On my way I came to a mini roundabout slowing down as, the left turning is blind and I could see headlights. The car then jumped into the wrong lane cut the mini roundabout and caught my car, scraping the front bumper with the side of his car. I was about 2 feet away from the give way lines on the roundabout. It was then the pursuing police car came shooting past, pursuing the other car. After stopping and checking on the people in the car behind me, as they were a bit shocked but not hurt or anything, having a cigarette. I called the police, they told me the vehicle was uninsured and based on what they said I don't think they caught the driver either. my question is, what do i do next? I know if I claim on my insurance, I'm going to end up paying increased premiums due to some little (won't say the next word) who was breaking the law. Is there anything or anyone else, do the police hold any liability due to them pursuing at speed in a 30 mph speed limit?

Hello, I am on here asking for help with for my brother who has started a new job. Me brother is working for a private healthcare company as a Support Worker for a client with Learning Disabilities. His issue is that his shift patterns in my eyes possibly breach HSE/Working Time Directive. The shifts are, Early 07:30-14:30, Late 14:00-21:30 and Nights 21:30-07.30. The night shifts are sleep in shifts where he is paid £40 for the night unless he is needed and then he gets his normal hourly wage. My concerns are that they have told him that there are no breaks during shifts which I understand from the WTD/HSE that a 20 minute uninterrupted break is entitled if a worker works 6 hours. Further, they state that he must work a Late shift 14:00-21:30, directly followed by a night shift 21:30-07:30 (sleep in or working depending on client needs) and then do the early shift as well meaning he would be at his place of work for a little over 24 hours straight. My concern is that this is a breach of the WTD/HSE daily rest period of 11 hours, however I am unsure as the night shift means he could sleep all night or work all night, again it is all dependent on the clients needs. So my question is, what is the legality of this, I have worked in healthcare, learning disabilities and trained as a nurse but never have I even heard of a shift pattern like this.

They state they did not receive a Notice to Owner, Charge Certificate or a Order for Recovery.

They knew about the original ticket however forgot it due to a family matter that arose at the time. What they did not know about was the matter being taken to court, or the letters that Marston say they posted and hand delivered. Also they have not moved address.

Ok bear with me on this as I have been trying to help my cousin out with her problem. Today Marston came round to her house and took possession of her car. When she contacted them, they explained it was for a Parking Ticket issued by Essex County Council last year. This was the first that either my cousin or her husband had heard about it. Marston said they had written to them and hand delivered a letter, yet my cousin has nothing of the sort from them. My problem is in understanding the process by which this debt should be claimed. Would a warrent of distress been issued or not. She has paid the fine and fees they applied which totaled to just over £600. If needed I have the only piece of paperwork that Marston gave them which is the Notice of seizure of Goods and inventory. Many thanks in advance. Bavo

Thank you for all the help so far, I have been through the divorce paperwork and there was no financial settlement as his ex wife refused to acknowledge the solicitors letters in respect of financial matters. However, I have another problem with the endowment policy. My mum contacted Legal and General in respect of the documents/claim form etc who have refused to provide them, further Legal and General have said they would pay the money out to his ex wife despite the mortgage company or the will. Now as I understand that as Executor of the estate she would need to see those documents as any money would have to be declared to HMRC for inheritance tax. I am truly at a loss and now looking at solicitors to instruct to act on my mums behalf but wondered if anyone had any advice.

I shall check the divorce settlement, however, as I understand at the moment there was nothing in any of the settlement paperwork in respect of the jointly owned property. My father paid for the mortgage interest and premiums for 12 years when he split with ex wife to make sure that his children had a home to live in and then his ex wife paid the premiums and mortgage interest for the last 13 years as she was living in the house on her own.

At this very second no, as we have notified the mortgage provider yesterday and won't hear back from their bereavement team until next week. They did provide us with a set of figures that appear to be the original mortgage amount, arrears owe and an extra £5000 with fees on top. This is not the first time his ex wife has done something similar and I am concerned that the signature on the paperwork will be false as my Dad would have said no. Yet his estate would be liable for a debt he did not want or incur.

Hi, Just a bit of background as this is for my Mum. Since 23rd July 2012 she has been working as a Practice Manager for a GP Surgery, 2 1/2 weeks ago her husband of 18 years died unexpectedly with its own issues in another thread. Since then she has had the funeral and has also been to her doctors and obtained a sick note for bereavement which lasts until next Friday. My mum contacted her boss to go in on Monday to do the wages for the employees and sort out some other bits, but the main partner of the surgery has told her he wants the keys back and a meeting in regards to her future employment. I have a funny feeling that he will terminate her employment though I do not know what the reason would be considering she turned their profits around in three months. My question what would be the recourse for my mum considering that her husband has just died, and she has a sick note which her employer is aware of as we contacted him to let him know. Thanks in advance.

Hi, I am posting this on behalf of my Mum as my Dad passed away 2 weeks ago and she is just starting the requirements for probate etc. However, I have been helping her and come across something I need advice on. My Dad was previously married but they divorced, with this they jointly owned a house with a mortgage and endowment policy. As I understand that regardless of the will that states my Mum is sole beneficarcy his ex wife would inherit his half of the house. Though my question is the endownment policy had a death payment sum should either my dad or his ex wife die, who would be recipient of that or is it standard for the joint tenant be the named beneficiary. Finally, whilst going through the paperwork, it would appear that my Dad's ex wife has borrowed more money on the mortgage without informing him as he would have said no at the time, is this an act of fraud and could it affect the probate as his estate would be jointly and severally liable for the debt, when it was increase without his knowledge or permission. Thanks in advance

The £300.00 was not for a holding deposit, I checked this before I handed over the money. It was for the following items previously mentioned and nothing else. Issues where caused on both sides by the council and the letting agent.

There is no deposit, we are on the council bond scheme, which ha caused issues due to one person being fired and the other going off sick with my paperwork in their car, the property has been empty since 2011.

Hi, I need some advice as I am unsure of my position at the moment. Oct 2012 I found a property to rent through a local letting agents, I paid £300.00 in fees. I applied for the Council bond scheme which had no end of issues with it, fast forward too today it is now all sorted. I am now at the point of signing the AST, however a recent inspection of the property has found both white and black mold all over the place, the wall are not just damp but soaking wet, and the damp proof that was supposed to have been done, wasn't. When I viewed the property in Oct 2012 none of this was evident, and without stripping wallpaper there was no evidence of damp and/or mold issues. At the moment the property is uninhabitable, my partner has serve asthma that a temp drop can set off an attack, it can also affect my health seriously. The Landlord is not refusing to get it sorted but is very apathetic about the whole property. I have found another property that is in better condition etc and tempted to take it, but my question is what can I do to recover the £300.00 in fees I have paid as this is no small amount as I am unemployed after ill health and struggling to find a Job. The fees where to paid for one credit reference on me, drawing up a tenancy, and guarantor paperwork and reference. I have also refused to sign the AST until the issues are either sorted or I get my fees back bar a reasonable charge for the above items.

Hi, I am in need of advice in regards to my rent deposit as it would appear that it has gone missing. In August 2008 I moved into my current property and my deposit was placed into a 'TDS' however, in 2010 the landlords agents failed to file their company accounts and their membership to the 'TDS' was terminated. Following that the company went into liquidation. The Liquidators have carried out investigations and found that the client account only had £19,000 in it with a shortfall of £110,000, namely rent deposits and rent monies due. Unfortunately nobody knew about this earlier as the liquidators have only just wrapped their heads around the whole matter. Another company has taken over as agents however, they have failed to fulfil statutory requirements but that is another matter. I am not looking to move out at the moment, but what are my options for the future to recover my rent deposit, as the money has vanished, with no hope of being found. Thanks in advance. Bavo

Hi, I have been out of work for about 18 months due to my health but only claim JSA as Ii want to find work and get on with my life and not have my ill health rule my life. I was refered to a Work Program 6 months ago that is run by a private company in line with the governments unemployment policy. This morning I was had to attend a appointment to complete an application for a job, however, there where a number of issues with this job that had me concerned and also questions the legality of the position. The job is for a private home care company, the position is a 'sleep in carer' for an elderly couple, the shifts are from 22:00hrs to 07:00hrs, now my concern was that I would only be paid £40.00 for the 9 hour shift if I was not required by the couple to help them out of bed etc, my concern is that 1. I would not sleep as I am at the place work regardless of what they call the job and; 2. How can I do a 9 hour shift only being paid £4.40 odd an hour instead of minimum wage. I was the told by the Work Program that the 'home care company' just could. I was also informed that I would only receive minimum wage if I had to go to the clients twice in one night. The above was my biggest concern along with a number of smaller issues relating to care aspects as they did no fall in line with best practice standards that I was taught when studying for my Nursing degree. I am not concerned what they might say to the DWP as I was not suitable for the position due to my health anyway, but I could not understand how the wage structure was legal. Can anyone enlighten me as if appropriate I will put in a complaint to the DWP as others may not question it as much as I did. Many thanks in advance. Bavo