I'm after a bit of advice in a field I have absolutely no Knowledge in at all... My sister is a single mother bringing up three kids, she works with disabled children less than 16 hours a week and received tax credits and a small amount of housing benefit. She had no savings to speak of. 6 years ago she was knocked over by a dog whilst out walking her own dog and luckily the dog owner was insured, its taken 6 years for the case to finally be resolved and she has been awarded a lump sum to cover her medical bills in the future as they estimate she will need two knee replacements as she struggles to walk distances now. The initial plan was to have this money put into a trust which then wouldnt affect the benefit she receives and a solicitor drew up a trust form with two trustees (myself being one). When applying to the bank however they have declined to accept the trust and cited bad credit reports, both myself and my sister have bad credit files through various circumstances. so I wonder will the lump sum be taken as pure savings despite having a planned use? and hence affect the housing benefit. S.

The Man Rules At last a guy has taken the time to write this all down Finally, the guys' side of the story. ( I must admit, it's pretty good.) We always hear 'the rules' From the female side Now here are the rules from the male side These are our rules! Please note.. these are all numbered #1 ON PURPOSE! 1. Men are NOT mind readers. 1. Learn to work the toilet seat. You're a big girl. If it's up, put it down. We need it up, you need it down. You don't hear us complaining about you leaving it down. 1. Crying is blackmail. 1. Ask for what you want. Let us be clear on this one: Subtle hints do not work! Strong hints do not work! Obvious hints do not work! Just say it! 1. Yes and No are perfectly acceptable answers to almost every question. 1.. Come to us with a problem only if you want help solving it. That's what we do. Sympathy is what your girlfriends are for. 1. Anything we said 6 months ago is inadmissible in an argument. In fact, all comments become null and void after 7 Days. 1. If you think you're fat, you probably are. Don't ask us.. 1. If something we said can be interpreted two ways and one of the ways makes you sad or angry, we meant the other one 1. You can either ask us to do something or tell us how you want it done. Not both. If you already know best how to do it, just do it yourself. 1. Whenever possible, Please say whatever you have to say during commercials. 1. Christopher Columbus did NOT need directions and neither do we... 1. ALL men see in only 16 colors, like Windows default settings.. Peach, for example, is a fruit, not A color. Pumpkin is also a fruit. We have no idea what mauve is. 1. If we ask what is wrong and you say 'nothing,' We will act like nothing's wrong. We know you are lying, but it is just not worth the hassle. 1. If you ask a question you don't want an answer to, Expect an answer you don't want to hear.. 1. When we have to go somewhere, absolutely anything you wear is fine...REALLY. 1.. Don't ask us what we're thinking about unless you are prepared to discuss such topics as football or motor sports. 1. You have enough clothes. 1 .. You have too many shoes. 1. I am in shape. Round IS a shape! 1.. Thank you for reading this. Yes, I know, I have to sleep on the couch tonight.. But did you know men really don't mind that? It's like camping... Pass this to as many men as you can - to give them a laugh... Pass this to as many women as you can - to give them a bigger laugh, because its true!

Joining a party as Defendant to an action I am a litigant in person with very limited resource and not enough disposable income to pay for legal counsel. I am being sued in the High Court by an unscrupulous multi-national for whom I used to work and I find myself at a disadvantage due to my lack of knowledge pertaining to proper High Court procedures. The claim relates to a loss ocassioned by one part of the multi-national group (A) ocassioned by a breach of contractual undertaking to a client by another part of the multi-national group (B). (A) is now suing me for acts that occured long after the breach by (B). In an attempt to recover its losses from an external source, rather than from its sister company (B), the claim disingenuously alleges that my subsequent acts caused the loss. Moreover, (A) has dishonestly attempted to conceal the contractual undertaking of (B) and has not referred to it in its Statement of Claim against me. I have subsequently discovered the existence of the undertaking, the breach of which was the true cause of the loss sustained by (A). I would now like to apply to the Court for an order under CPR 19.4 to have (B) added as a Defendant to the proceedings on the basis that clear evidence exists that (B) was the true cause of the loss for which I am now being sued. In the alternative, I would like to apply to the Court for the case to be struck out on the basis that it is an abuse of the Court's process. However, I have no idea how to make a proper application to the High Court for such an Order and I am afraid that, notwithstanding the merits of the application, that it may fail for improper adherence to the proper process. Any advice would be gratefully received.

I have received a letter today stating that from next Monday all residents will be issued with a parking permit for there allocated space. They have also stated that the allocated spaces do not allow parking for commercial vehicles, caravans, trailers, horse boxes or boats. The other thing they have said is that visitors will not be able to park on the road but only in the 12 visitor bays. The problem with this is that they are giving them on a first come first served basis to only 12 residents out of approximately 150. Any other vehicles will be clamped. I have a nanny for my children that parks in my space during the day and my friend who also lives here has a commercial van. We both rent our properties and none of this was in the contracts and has never been an issue before. Could anyone tell me if they are able to do this? Many thanks Zoe

After dealing with the FSA and the FSO I have come to the conclusion that they haven't got a clue what they are on about? As a consumer before making a complaint I read every rule and regulation and every handbook there was available to try and make some sense out of the whole system of regulation and to try to work out where I stood. I was left confused as some are rules that FSA members are supposed to adhere to but others are merely guidelines and lenders can please themselves. Isn't it about time that there were strict rules laid down for lenders, forget the guidelines they are a waste of time. So that the ombudsman and the customers know where they stand from the outset. Surely this is more logical approach. Well here's hoping for the future.