Hi all hoping I can get some advice as I currently receive wtf and ctc as a single person , no other benefits, I would like my partner to move in but he doesn't wish to make a joint claim , we should be able to manage on our two incomes. Can i call to cancel my single claim and say I don't wish to make joint claim as we will be OK financially? Will they still ask for all his details ect .? Or do we have to do joint claim ? Looked around various sites for advice but finding different answers... thanks also if I can just cancel is it best end of tax year april or when start of renewal July? If it matters?

Hi Guys Long winded but will cut it down best I can, will start with the numbers loan 1 July 98 for £3000 PPI single policy of £443 added to loan (paid 46/60 payments) £144 of ppi refinanced by loan 3 loan 2 Dec 98 for £1400 PPI single policy of £198 added to loan (paid 39/48 payments) £50 of ppi refinanced by loan 3 loan 3 April 02 for £5000 PPI single policy of £1174 added to loan (paid 13/60 payments) £980 of ppi refinanced by loan 4 loan 4 may 03 for £7500 PPI single policy of £1762 added to loan (paid 11/60 payments) £1500 of ppi refinanced by loan 5 loan 5 may 03 for £11000 PPI single policy of £2383 added to loan (paid 12/60 payments) £2032 of ppi refinanced by loan 6 loan 6 may 08 for £10000 PPI NO PPI added to loan still paying Now we had a decision letter from Lloyd's stating they upheld all of the complaints offering refund of the ppi part of the loan that was paid in installments plus interest, which worked out about £7,700 according to their workings out, I had it in my head from working it out that it should have been nearer 10k but at first glance of their workings it looked OK but I still couldn't get it out of my head that something was wrong. It then clicked that they had calculated all their figures ONLY on the installments made and had completely ignored the bits that were left on refinancing which by itself without adding interest is about £4700, this amount is still being paid off on loan 6. I phoned them as the offer letter tells me to do and explained why I felt it was wrong, the guy said that I am not entitled to that bit back as the loan was refinanced, I argued and tried to speak to a manager but was brickwalled, he insisted I was wrong and that the payment of £7700 was going to be sent, I told him at this point that I DO NOT ACCEPT the offer, and under no circumstances are they to consider the matter closed, I even got him to repeat it back to me several time, as they supposedly record the calls. what I would like to know is am I wrong, am I not able to reclaim the bits that were refinanced by the new loans, or are Lloyd's trying it on Many Thanks

Hi, I purchased a period return ticket from Oxford to Manchester last week. I didn't have a problem on the way up, but I had an issue with using the return ticket on my back. I don't remember which stop it was after but, somewhere between Manchester and Birmingham New Street, the guard came through and stamped the return half of my ticket. When I reached Birmingham New Street, a new guard replaced the previous one. When he came through to check the tickets, he told me that I had already used my ticket and I could only use it once. I explained to him that the ticket had been stamped by the other guard, who he had replaced, on the same train, but he didn't believe me. He told me that I would have to purchase another ticket. As he was threatening to get the police involved and being intimidating, I begrudgingly paid up. Is it possible to get my money back for this ticket? I shouldn't have had to purchase it. Unfortunately the second guard confiscated both halves of my ticket, so I have no proof that I already had a ticket.

Hi, This is my first post on here. Please help! I received a letter last week from Concentrix on behalf of HMRC last week stating they were checking my claim for tax credits for the current year. I had put in a claim as an individual and they had information which linked someone else to my address and to me, and wanted to check if I should have been putting in a joint claim. My situation is actually quite complicated and I am now panicking that I may have done the wrong thing and really need both reassurance and advice please asap! Basically, my husband and I separated in January 2015 after I discovered he had been having an affair. At the time I thought this was a permanent separation. At this point, my husband and I separated our financial affairs completely other than him making maintenance payments for our children (we closed our joint account etc, I took over all responsibility for bills and payments for the family home) and he moved into a separate property, leaving me in the family home with our kids. One issue is that he didn't change his contact details on many of his 'affairs' including his banking (!) - obviously this wasn't my responsibility or my fault but I was aware of it, as I continued to receive post for him at my house. As our separation was civil (I wouldn't say amicable...) I was ok to keep passing his post to him as it arrived. I obviously didn't fully realise the implications of him not changing his address i.e. that it would link him to this address and to me, which could cause problems for my tax credits claim.... The main problem however, is that over time we did reconcile although very gradually and are still in this process (we completed our couples counselling just last week). He does continue to rent the other property and we have not resumed any joint financial affairs at all. I still pay for all elements relating to the home I live in with our children including all bills, and he pays for everything relating to his home. My main concern is that he has actually been staying in the family home on occasions since May (I also stayed in his house too...) but more and more regularly as time went on until he is now basically here full-time and has moved many of his belongings back into this house. I should say I was concerned about my tax credits claim as he began to stay back in the family home on occasion back in May and I actually contacted the HMRC customer service line at this point to ask how this situation would affect my claim. I was told by the person I spoke to as far as I remember as it was a while ago (and I recorded the time and date of this conversation) that there was no limit to how often my husband stayed in the home as long as he had another property which was his home i.e. he was paying for another property, paying bills, keeping his belongings there etc. I was surprised by this answer to be honest ie that there was no limit to how much he stayed, but I was reassured that I was ok to continue to claim tax credits as a single claimant. (I had said me and my husband were gradually reconciling etc and the advisor NEVER said I had to put in a 'change of circumstance') This may have been naive of me and maybe I should have looked into this further but I obviously went on what the HMRC advisor told me and didn't look into it further myself... To complicate matters further, I am now pregnant with our third child - this was a complete unplanned accident but it clearly confirms we are having a proper relationship, so to speak. Just to reiterate, there are still no financial links between us other than the historical ones - I am paying for 'my' home and he is paying for his and all the documents prove this. Of course, we do buy things for each other ie if we go out for a meal or a trip out with the kids etc... The plan is that he will be moving officially back into the family home as of December ie in the next few weeks, so we can have a fresh start with Christmas and the New Year and we will once again link our financial affairs fully and he has given notice on his house so that would no longer be in his ownership - I would of course then have informed HMRC of this, and reverted to a joint claim. I am now concerned that we have been overpaid as I should have been making a joint claim, (although when from I am not entirely sure - from when we agreed to make a go of it? the first time he stayed back in the family home? when he started staying much more regularly?) although I was only following the advice given in the phone call in May as to how our situation affected my tax credits claim. I have all the evidence which proves we have still two houses which we pay for independently as my husband is happy to co-operate in providing this (rental agreements, bank statements, utility bills, council tax statements) although the letter from Concentrix only asks for my documents. However, if you actually investigated fully (asking neighbours and so on) it would look like he moved back into my home a few months ago and obviously his address is still listed as being here on a lot of things and I am carrying his child ... I am now really concerned about the letter I have received as I genuinely believed I had done everything according to the 'rules'. I am feeling sick with worry that I have done something wrong (even if it was unintentional) and I am going to have to not only repay a large sum but may have to face a penalty and even criminal prosecution my husband and parents tell me I am worrying unnecessarily and if I send in the relevant documents, together with an explanation that I didn't realise the implications of him not changing his address, it will be enough to complete the check. Is this right though?? Am I better calling HMRC direct and explaining the situation??? What I don't want to do is to send off the documents as requested and a statement which then creates further questions but equally, I don't want to 'hide' anything and then have it come and bite me later on... Please help - as I say I am sick with worry. I am the sort of person who hates to do anything wrong and it is making me feel ill that I may have, and may have to face consequences for this. I just want to get it cleared up asap Thanks.

I've been so stupid. I moved in with my partner in May this year, we claimed HB, JSA, council tax ttogether but not Child Tax. I'm as aa single claim and they found out after I wwent on Experian website. They have sent me a letter only mentioningaAugust to now they think I am lliving with Mr ******* which I am. I am bricking it. I should have called them and was goingto until Bailiffs aarrived a month after for council tax from a few years ago (my housing didn't even say it had gone to them when I paid 5 days earlier) so I had to pay council tax in full. And bailiffs wanted their fees so since then have been in hiding. Then. The licence turned up as I cancelled DD and I got a summons to court. I was fined and am still paying my fine off Inc TV licence. My step daughter went to live with a relative so we have to pay a large sum of CSA monthly. Stupid I know not to tell them as I didn't want to have no money for 8 weeks. But now it's near Christmas and this has happened. If I don't pay my fine bailiffs are back. If I don't pay bailiffs they are back if I don't pay TV licence I will be in court again. I'm too scared to call Child tax credits I can't eat (good diet but wouldn't recommend it) me andmy partner are arguing We are having to sell out dog just to get food as I know it will be stopped and I will get sent to prison or in the paper and all over social media. I feel sick at the thought of it, and I don't know what to do. I have until December the 4th. They want me to call them or send in paper to prove I don't live with him. What will happen to me?Please help! My family don't want to know or help and my partners family don't talk tohim. I have a 11, 10 and 5 year old. I can't even afford schoolshoes my 11 yyear old has to wear plimsolls to school . I've been so stupid.

I have been incredible stupid and continued to claim tax credits as a single parent when my partner has lived with me for several years. I am really ashamed and can't believe why I allowed myself to be so greedy and stupid. I have two kids from previous relationship and one with current partner . Current partner is on the mortgage and council tax as would not have got the house otherwise. I think it will be virtually impossible for me to prove he hasn't lived here all the time. The bills are in my name, but we have the mortgage and council tax in joint names. they have sent a letter saying they are looking at April 2014-2015 and the current year. I am beyond terrified that they will look at previous years and the overpayment will be massive as well as the fraud meaning will go to prison. I have an appointment at the CAB tomorrow. I want to fully admit that I was not entitled to claim for the time they have stated in their lette r and will offer to pay back in full if they will let me _ bank loan maybe? Should I come clean about previous years? I am making myself sick with worry - my partner had no idea I was doing this. Can anyone tell my what happened to them? I can't look my children in the eye and I am convinced I will be sent to prison.

Could someone please advise if my assumption is correct. PCN received for code 02. The sign says no loading but the double yellow lines have only a single kerb blip which would indicate a timed loading restriction. If there is no loading at any time surely the kerb blips should be as Diagram 1020.1 and not 1019. I would be grateful if an expert could clarify this for me. Thanks for any help given

Hi I am new to the site and out of mind with worry. I have been claiming as a single person when I have been living with someone for 9 years. The relationship has been rocky since day 1 and he had suggested we separate in several occasions. He's had affairs and told me he doesn't love me but we've stayed together in the same house as I'm on a low wage and can't afford to move out. The house is his all bills and mortgage in his name. The house is up for sale at present and when it sells I'm on my own with my son who is not my partners he is from a previous relationship. My reasons for doing this were that I thought we would separate sooner than this. I don't contribute to the bills he pays everything for which I am grateful. I only earn £900 a month so it's difficult to move out as I can't afford to rent. I have no family other than my 85 year old mum who lives 80 miles away. I feel I'm totally on my own. Had a letter stating they have information that someone else lives in the house. I have rung to stop my claim but they say I have to wait for the next letter asking me for information. I'm out of my mind with worry not eating not sleeping and seeing my doctor next week as I'm just not functioning. I've never done anything dishonest in my life and never even had a parking ticket. I genuinely believed we would separate before now and stupidly left my claim as single. With all the emotional turmoil I just pushed it to one side and honestly never gave it another thought. I admit I filled in the declarations wrongly but am willing to be totally honest and up front with them. I'm so worried I will go to prison. I'm all my son has and I can't bear the thought of him being left alone. No idea of the over payment yet but fear it will be extreme. Please any help and advice would be appreciated. I can provide further info if needed. Please don't judge me.

I have looked to see if anyone else has encountered this problem on CAG couldn't find anything, so apologies if I have missed it. In Wales there are circumstances when you can park on a single yellow line for three hours and then the car must be moved for one hour. I believe that this may be different in England but not sure as there is conflicting advice. Having had a rather nasty experience yesterday with a traffic warden who swore blind that I hadn't moved the car when I most definitely had as she said, "the valves are in the same place", I wondered how far the car has to be moved? Does anyone know? It was a horrible experience being told that I hadn't moved the car and that further more I did it every day! There was a CCTV camera on the pub nearby so I suggested that the warden go ahead and book me and I would request the evidence. Eventually when neighbours came out to support me we told that we were "ganging up on her". Fortunately in law witnesses are not accused of this! In any event I was told to reverse the car 10 foot to move the car. I understand that this is within the power of the traffic Warden so I complied. Therefore it appears that moving a car is just moving it so that the valves are not in the same place! But is this correct or should the car be removed from that stretch of yellow line making it difficult to return to a place of work? It has also occurred to me that this must create difficulties for disabled workers trying to park near their place of work. Popping out and moving the car every three hours to where?

I'm currently repaying (on a payment plan) an old council tax bill on a property which I vacated in 2013. For the period the bill covers, I was living alone, but never claimed a single person discount at the time. Have made initial contact with Council, who say they can only retrospectively apply a single person discount from 1st April 2014. I understand that each council will set its own policy on how far they will backdate single person discount, and that there is no legislation as such which governs this? So my question, has anyone successfully badgered their council into applying Single Person Discount on older bills? (Mine goes back to 2011/2012). If so, any tips on how I may best approach them? Thanks.

I've just read a letter addressed to my partner. unknown to me, she has had a single person claim ongoing despite us moving in together in May 2012. she has been overpaid by over £8000 and we are more than worried by this. I have asked why this hadn't been sorted, she couldn't really say, besides arguing wont solve this. according to calculators the amount of tax credits we WOULD have had is very close to what she has received. She is naive with money I believe and has buried her head somewhat to this , now we're up the creek so to speak. I don't believe her intentions were fraudulent or deliberate more silly. however I have told her she needs to get on the phone and sort this out tomorrow. some information about our household: Living as a couple since may 2012 Parents to two children whom live at our address our income from May 2012 - July 2015 was as follows: Income support - £160 odd fortnightly (for both) Child Benefit - £34 per week Carers allowance ( paid to myself looking after a relative ) - £62 per week. Child Tax Credit ( claimed as a single person ) - £117 per week appx: £1170 per month. I have read about a potential for offsetting the overpayment against the correct claim amounts had it been done. which would likely drop this overpayment bill to below £500. I am trying to sort this out as I have just started a new full time job and want everything to be above board. £8000+ of tax debt will cripple us a family. I fully accept this is a significant mistake on our behalf and had I known , I would have acted sooner. any advice would be greatly appreciated. many thanks.

As the title says, my mother who is 76 years old has been asked to carry out a review. (She currently pays nothing) She is worried sick because her son, my brother has used her address as a contact point since his wife chucked him out 2 years ago. He was thrown out on the street whislt his former wife stayed in the martial home (rented). He stayed with me for some time and at my sisters house also. As he did not have a permemant address, he used mums address for everything. eg. bank account, drivers licence, employer etc with post still going to mums.. Looking from the outside in and on the face of it, it does look like it was his place of residence but that has never been the case. He would only stay over at mums when he had the kids overnight, which was about once every fortnight if he was lucky. He soon met someone new and stayed mostly at her address, who incidentally was paying full council tax, but was never declared as living there because of his physco ex wife. He didn't want her to spoil his new relationship, yet it was her desision in the first place, but that's another story. So fast forward a year or so and now mum is worried sick. She is so protective over all her chidren and especially the grand children and thought she was helping him out, but is now worried she will be in serious trouble. How should mum handle this?

Hi I was wondering if anyone knows a decent site/company where I can nose about for holidays for single people. All of the companies I've looked at charge a premium for people who travel alone. It's annoyingly misleading when they advertise a trip and you only find out 30 minutes later after a battering from a sales agent that it's "based on two people" :-/

Council Tax, single person discount query. I am a single parent with three kids (now 20->27) and the two eldest (boys) left home some time ago. Earlier this year I realised that my daughter was spending more nights at her boyfriends house than mine. So I started to keep a record of what nights she spent at my house. On 9 March I wrote to Bolton Council saying she only spent 1 or 2 nights a week at my house & asked how they defined "living at". Quote from their reply: I replied: 29 April they replied: As you can see, I have already told them where she lives "most of the time"; the approx date she moved out and as much as I know about her new addresses. Also: 1) Young girls "share" clothing, so where her "belongings" are, I havent a clue. How am I supposed to know what is her's? Ditto what percentage of them are here, there or where? 2) Surely I have no right to ask anyone about who is registered for Council Tax at their address. 3) I have always given my daughter her privacy - TOTAL privacy! Surely there cannot possibly be any law stating that a father should search through his daughters clothing - that would be totally SICK! 4) Without (illegally) fitting her with a tracking device, I can't see how I could tell them exactly what night's she spends where. It seems to me that they are simply delaying awarding this discount, otherwise why ask questions already answered and why not post me this form when I first wrote to them? What should I do please? Thanks for reading.

From 1st April 2015, Single Lower Limb Amputees with 40% War Disablement Pension or more are entitled to receive War Pensioners Mobility Supplement. More Information at this link: https://www.gov.uk/government/publications/war-pensioners-mobility-supplement Please be aware that you need to click on "War Pensioners’ Mobility Supplement change from 1 April 2015" in that link to download the PDF which contains the information and how to claim.

Hi everyone. I am new to the forum and pleased to be joining such a fabulous, supportive community! A quick question on this topic. On telephone advice from a person in Barnet Council's office, I recently applied for backdated single person's discount of 25% as the council told me that I was defaulted to two persons. I have been single at this property since 2005. I just received an e-mail saying: "We are unable to action your request. As ignorance is not a valid reason please confirm reasons to why you did not notify our office at the time?" Before I reply, I just wanted to sound out any advice on how to achieve a favourable outcome. In particular: What are any legal precedents for backdating and refusing to back-date? If the council had defaulted me to two person dwelling, then are they obliged to be able to name the two occupants? Why is "ignorance not an excuse"? Is there legal grounds for challenging this default position? Any advice on what I should mention or cite in my response? I am in pretty serious financial difficulties and this refund would go a long way to turning my circumstances and life around. I would appreciate any insight or tips. Thanks so much, Peter

I have been on single person child tax credits and working tax credit for 5 yrs plus. During June 2013 a friend moved into my home as he was in financial trouble and had moved out of his flat and was sleeping in his office. He was served bankruptcy sept 2013 he was very depressed slept in a separate bedroom and we were not having a physical relationship - low labido etc. He was discharged from bankruptcy during April 2014. During the following month 2 employees took delivery of a large amount of cannibis at his work place and he was under investigation from the police - more stress! Sept 2014 the police told him no case to answer as even though his address was used he was not party to it and was unaware of it. He was still sleeping in separate bedroom and still very stressed and no labido. It was always the intention that once he was back on his feet he would move out. However since Sept he has started feeling stronger and we have become closer and do things together but are still not having a physical relationship but are seen from the outside world as a couple. foolishly I telephoned Tax Credits in Jan and said he moved in Dec 19th 2014 and we were not a couple. I didnt realise it would kick start investigations and have recently received a letter requesting info to confirm only my name is on the bills and confirmation of his address prior to Dec 19th. Clearly I should have called them and told them he has lived here since June 2013 but only recently become a couple but as it is still not physical I was confused what to do. What is the best advice now please?

I have recently been investigating a consolidated loan that was taken out in 2005 and have today received a copy of the credit agreement from GE. The document is headed igroup and GE have confirmed that this is there company and that Loans.co.uk brokered this loan. I am now in the process of starting my PPI complaint as it was a single premium of £4320 on top of a loan of £35k. The interest was 16.25%. At no time were we given any advice or options i.e. monthly PPI. I have only just established that the PPI only covered 5 years of the loan which was taken out over a 15 year period. Therefore it appears that the PPI was inappropriate. I do feel that we were completely mis-sold and forced into this option to secure the loan. GE have told us to make the complaint to Loans.co.uk as they were the broker. Am I correct in thinking that due to this being a single premium PPI there is a case?

Hello Anyone know the answer?

When I took out a mortgage with SPML (& previously with other lenders) there was a large figure of about £1000 for an insurance premium added to the loan. I didn't understand what it was at all & asked for an explanation. I was told a) that it was compulsory (wrong ?) & b) that it was insurance not for me but the the lender so that if I failed to pay the mortgage this insurance policy was in place to re-imburse the lender if I couldn't pay. I now realise this must have been single premium PPI & therefore should be reclaimed plus all the interest . Can someone tell me if this the case - that this is a PPI which I can claim for being miss-sold. Thanks for any help on this

I was parked for 1 minute or less in a bay next to a cash point. Photo of pcn attached. Either side of the bay are double yellow lines, within the bay are is a single yellow very indistinct line, photo attached. The third picture is the sign which is adjacent to the single yellow line at one end of the bay. Is this worth appealing and on which grounds, if anyone knows relevant winning cases that I could use to support an appeal that would be great too. Thanks in advance for any advice given

Hi all, Just wondering if I could grab some advice. I am a student nurse on maternity leave and also a single Mum. I receive a maternity bursary, maternity allowance, child tax credits and child benefit. I was advised to apply for Housing Benefit, so I went to the housing office and made an appointment. I brought all my financial information with me, and made the housing advisor fully aware that I was a student. She made the decision to not take my student maternity bursary into account as she wasn't sure if she was supposed to. They made a calculation that I should receive some housing benefit (most of my rent). Two weeks down the line I get a letter telling me I owe them £143 overpayment. I have submitted a letter of appeal, but just wanted some advise if possible please. I mean, if I wasn't entitled, that's fine but how is it fair that they make the wrong decision and I must pay for it down the line? I was 100% honest and open with them about my status and income! Thanks in advance x

Hi, Hopefully someone here can help or give me some advice regarding ppi and this single premium ppi. since 1999 my partner has had several loans with lloydstsb including credit cards. The first loan she took out in 1999 (struggling to find details except for policy number), the next in 2001, 2003, 2004, 2005. Each of the these policies had ppi on them, paid for as 'premium advanced as part of loan', I believe also known as single premium ppi. Each loan from 2001 was a consolidation of debts (2001-£2500, 2003-£5500, 2004-£8000, 2005-£16000), and thus none of these loans ever reached its full term, though if I understand correctly, with premium advance as part of loan, she would have paid for the whole ppi cost upfront on the loan, which was then added on each loan thereafter as well as the interest they charge. I'm told that these single premiums are part of mis selling?! The final loan in 2005 was paid off early in whole, would this therefore have included all the ppi too? If so surely this should be refunded also. Digging through old paperwork we have found three of the personal loan agreements Which we have been trying to get our heads around. Two of the agreements show cash loan to you, optional loan protection insurance loan, loan for repayment of existing debts owed by you and total loan ( e.g. 2004 consolidation loan, cash loan to you £2000, optional loan protection insurance loan £1800, loan for repaying of existing debts owed by you £6500, total loan £10000. Under those headings the monthly premium £42, £37, £135, total £215. The loan protection monthly payment is almost as much as the cash loan of 2k) Only one of them actually states the interest on the loan protection loan giving the total price of the loan protection, the others dont. (Seperate to the fact that she was advised to have ppi from what she can remember when she took out the policies in the branch, it was recommended even though she had an income protection plan already running from 1997 which was also purchased through lloydstsb which she is still paying to date?!, why would someone take out ppi when u already have some cover in place should illness or accident become an issue) Sorry this maybe slightly long (and hopefully am in the right area in the forum), but just wanted to try and explain as well as I could. Am I right that this is indeed miselling? When speaking to Lloyd's over the phone they requested a questionnaire be completed and returned to them. We have a lot of the details but not all of them. What concerns me is wording the complaint in the right way, I'm told its crucial, can anyone offer any advice or who would be best to speak ref this. Any help or already worded paragraphs would be greatly appreciated Many thanks

I have just been awarded ESA WRAG with a 12 month prognosis based on mental health. I am likely to appeal for support group. Unfortunately i may not be able to live with my dad for too much longer as his girlfriend is pressuring him to sell up and move in with her before the end of the year. If this happens would i only be entitled to the shared accommodation rate of housing benefit (~£67 a week where i live)? Due to severe soial anxiety any form of shared accommodation wouldn't be viable. If this is the case then there would be a shortfall of about £30 per wek between that amount and the lowest available properties; though if i were to get support group (far from assured even though i believe i have a good case) then with the enhanced disability premium added that would be £22.55 added which would make it manageable (i know that some landlords won't house benefit claimants but that's a problem for another day). Thanks for any help.

Hello all I realise discussion of this sort of topic tends to get a bit heated but I'd really appreciate some advice. There is a primary school on the street with various parking restrictions. On the side with the primary school entrance, on both sides of the gate there are zigzags, which mean no parking or waiting or stopping at any time, I believe, but please correct me if this is wrong. On the opposite side there is a single yellow, with a sign stating no parking between certain times. This would mean that you can only park before and after the stated times. Now, does anyone know the legalities of stopping to drop off or collect passengers on the single yellow line, whether it is before, during or after the times stated on the sign? Stopping off, as I mean, is no more than 2 minutes while your passenger hops in or out, with your engine running and definite signs of movement into or out of the car, certainly not parked while chatting on the phone or reading a newspaper! Some sound advice would be much appreciated.