I am being harassed by a private parking enforcement company from England.

It sent me a "Parking Charge Notice (PCN)" claiming I owe it £45 for parking my car beyond the allotted time in a Glasgow supermarket car park.

The notice was badly produced on a computer, so I wrote to the firm asking it to provide documentary proof of its claim.

It has ignored my request and is now seeking a payment of £120.

It threatened to take me to court, claiming I will have to stand up and swear that I was not the driver. It has now passed the matter to a debt collector, which is making similar threats. Ignore the debt collectors. They have no legal standing.

Write again to the parking company's managing director - personally by recorded delivery - demanding proof, and also for evidence that the terms and conditions of parking at the supermarket have been properly advertised.

If it takes you to court precipitately, it'll end up paying your court costs. I had to move into hotel

I HAD to move out of my property and into the Travelodge for 10 days after becoming homeless when my lawyer was unwilling to release a bank's cheque owing to non-receipt of a document from my lender.

The removal firm constantly called to ask if I'd got keys yet, but I had no access to mail, as the letterbox in my new home was bolted shut, culminating in the near-expiry of the cheque. It cost me £4000. I blame my lawyer for failing to have the documentation in place and lender for failing to provide vital paperwork. Lawyers can only work with what they have; to release money before all documents are in place would be negligent. But ask for an explanation in writing so you can take a second opinion. If the lender has failed in its duty, make a claim or complain to the ombudsman. Will kids have a claim?

I HAVE a joint life insurance policy with my partner.

He has three children to his ex-wife and one with me.

In the event of his death, is it likely that the ex-wife's children have a claim on this policy, as is it would be part of a moveable estate?

I'm named as beneficiary and vice-versa. IF the policy forms part of his estate, it is subject to a claim for children's rights. But if the policy is in trust or otherwise does not form part of his estate, the three children cannot claim.

If you married and did not make a will, your rights as succeeding spouse would take priority. The bottom line - see a solicitor for detailed advice and alternative tactics. Leak is making me ill

I RENT a flat and there has been a leak from my bathroom for ages.

Duvet sheets have been destroyed, there are mushrooms on the ceiling, and I have become ill with the dampness. No-one, landlord or even MPs, seems to be listening to me. IF your house is not in tenantable order through structural defect, you are entitled to have repairs done, and sue the landlord to get them done.

You should also contact the local environmental health department - and see a lawyer.