A few years ago my local town centre car park was covered in snow and the bay markings were covered. People parked in an orderly manner but when the snow melted most people found they had been ticketed because they were not parked in marked bays, fortunately I was not one of them. However last week I found out that the car park is actually private land but the District Councils civil enforcement officer patrols it and issues tickets. My question is what status do the tickets have, private parking charges or council issued fines?

Hi This really is a hypothetical question, Whilst not trying to outrage the EV owners amongst us, lets say I go to a service station in my diesel car and park in a Tesla EV charging place (Other EV chargers are available) could I get a ticket? I would assume Tesla have come to an agreement with the car park owners to put their equipment on the site, but I would expect it's unlikely that the car park operator would update their signs to say no parking in the Tesla spots without a Tesla etc. I know blue badge / disabled places don't actually have any standing, but they do tend to cover that notion on their signs along with parent and child etc. As I say, hypothetical question only.

Pretext: Have been looking into the possibility of building a solar panel from scratch as part of an allotment project. Bit of fun more than anything. Discovered one of the major hurdles with building any solar panel (commercial or otherwise) is condensation and water vapour. It can severely damage the panel and reduce output, sometimes destroying it altogether. One of the ways they deal with this in commercial panels is to encapsulate the solar cells in a resin or epoxy, which are usually silicone based. Apart from being horrendously expensive to purchase, research is starting to show these encapsulants may still allow moisture to permeate. (You also have to wonder how "green" these resins and epoxies actually are!) Problem is there is not a lot of long-term data to state with any certainty how durable these solar panels actually are, especially in the UK climate. Many manufacturers and green organisations state panels can be expected to last 25 years or more. Installation guarantees are typically 5 years; product workmanship guarantees vary between 5 and 10 years; power output guarantees are usually 25 years. The expected payback time of a solar array is usually around 10 years. The question: If one or more commercial solar panels fail, in reality what protection does the consumer really have? Assuming of course these failures start to occur several years down-track. Are these guarantees really worth the paper they are written on?

Had a letter from CPP about claiming back mis-sold protection policies. They don't give specific details of which organisation sold you the policies,if at all,this comes when you make a claim. Now, if you already have an account with Lowell, which you have classed as time bared and refused to pay it, would a successful claim and rebate under the CPP scheme negate the time bar issue as you would have acknowledged the debt? I'm not claiming under the scheme. Cheers, Fallback.

Suppose a person working for a well know supermarket chain was wearing inappropriate "adornments" on their uniform whilst working in a food preparation area. Several managers ask the employee to remove them, to which the employee declines and eventually walks away. The employer then starts disciplinary proceedings. If the employee had not gone to the press, would he be looking at a warning. Because he has gone to the press, could he face Gross Misconduct charges. Please note, that I support the right to wear badges and wristband supporting good causes where appropriate.

OK, I wanted to run a hypothetical scenario past you good people and see what you think...... A hypothetical bloke, let's call him BOB who has a very poor credit rating, a house which he lives in with his wife and two children which the married couple own but which has a whacking 2nd charge in favour of his father who gave them money to pay a chunk of the mortgage off, no tangible assets and a job which pays him £3000 per month which to be honest he hates, decides that he is going to better his situation by going to all 240 payday loan companies and borrow the maximum amount each of them allow him to. In all, he borrows £150,000 and sets a payment date one month in the future. He then transfers the £150,000 to his other UK bank account, and through a series of offshore accounts, bounces the money into a foreign company that he is a director of. Then he closes his initial current account, cancels his debit card, sends letters to all of the loan companies pleading redundancy and offers to pay them 20% of the initial debt, or accept that he will go bankrupt and they will get nothing. He also makes reference to the fact that any contact other than by letter will be treated as 'Threats and Intimidation' and a trip to the doctors claiming of stress will back this up. A no win no fee solicitor will also be employed to chase off any threats or intimidation that should ensue. He then sits tight and waits for the phone to ring and the letters and debt collectors to arrive at his door so he can claim harrasment against them......... Other than the obvious moral and ethical problems, what are the flaws in BOB's plan?