Hello, I am writing here for some advice on behalf of my sister who is struggling financially. She is employed through her ex partner's company and receives £2000 per month. She is separated from her ex and is the primary carer for their 7 year old daughter. The mortgage is £1300 per month and so once bills and council tax are also taken off, she has approx £200 month left for food. She is getting into big debt. When they first separated, she applied for Child tax credits stating that she was earning £24000 per annum (she timesed £2000 x 12 months). However, she was concerned that she wasn't filling out the form correctly as she didn't know if this was in the form of dividends, whether it was a gross or net wage, and so she asked her ex's accountants to fill out the form for her. They put down that her gross annual salary was combined of a personal allowance of £7000 and dividends worth £31000 which meant that she had to repay the previous years allowance and is scared of contacting them again, even though she is on the breadline. Ultimately, is she entitled to Child Tax credits? Many thanks for any advice.

Hello, I paid £109.95 for a Dolls house advertised as being 'Complete with Furniture' from an online retailer. The box did not contain the furniture. The company have apologised and said that they will amend their website and have said that "We have now amended our website and as advisedin the terms and conditions which you agreed to when orderingdescriptions can differ from the product." Their terms and conditions say: "Although we aim to keep the Website as up to date as possible, the information including Product Descriptions appearing on this Website at a particular time may not always reflect the position exactly at the moment you place an order”. I am writing a letter of complaint to their customer services and would appreciate any help to construct a powerful response to them. Many thanks,

I set up a small business under the trading arm of a charitable organisation 6 years ago. The business grew steadily and is now very successful providing an excellent source of unrestricted funds to the main charity. Eventhough I founded the business, I am employed by the organisation to deliver it (so not self-employed). Two years ago I needed to recruit someone part-time to help me with the workload. She was a very strong team member and so when I fell pregnant and went on maternity leave last year, I felt very confident knowing that she would take over full-time and that the business would do well in her hands. I have returned to work after 9 months on a part-time basis, and I am due to go on maternity leave again in June this year. My stand in has done so well (she has recruited two other employees) that my employer has chosen to match her salary with mine. However, this has left us both very confused as to what our roles should now be. When I left the business last year, i was clearly the manager, and this team member reported to me. Now I have returned and the roles have become blurred. She is ambitious and wants to take the business forward- which my employer obviously favours. But this has left me feeling sidelined as I have had no guidance as to what my current or future role might be. I care passionately about the business and intend to return part-time soon after my next maternity leave is over. My role feels extremely vulnerable especially in the current climate and I feel that, having set the business up, I should at least have some entitlement to a managerial position. However, am I in a position to retain this eventhough I am going on a second round of maternity leave and would be a part-time employee? I have expressed my vulnerablility to my employer but he said I have misjudged the situation and has spelled out the reasons for my colleagues promotion instead. What should I expect him to do? Any advice would be much appreciated! Thank you.