My aunt has suffered from dementia, and is in a nursing home.

My uncle - her brother - has declared that he is next of kin. He stated that since he is the next oldest he is automatically next of kin and has taken control over my aunt's bank account. I think this is wrong as my aunt is still to some extent capable of speaking for herself and can state who she wants to take care of her. I do not know who my aunt's lawyer is or if she has appointed a power of attorney either. What can be done to protect her?

It doesn't matter who is oldest or indeed closest in blood ties. Speak to your aunt to see if she wants you to be appointed as her attorney if one is not yet in place and if she is still legally capable. She will presumably know, but if not, you can find out if there is such a document registered with the Public Guardian's Office. Indeed I would suggest you urgently contact the Office of the Public Guardian ( tel 01324 678300) www.publicguardian-scotland.gov.uk who can advise you as to your rights to be appointed and what paperwork is needed. Or get a solicitor who is familiar with creating powers of attorney.

At the moment my work contract states I work 8am to 4.30pm Monday to Friday, Saturday and Sunday as overtime. My work now want to change to a two shift pattern, day shift/back shift any five over seven days. I have been employed by this company for 10 years, we have always done overtime, Monday to Friday but my company insist these changes must be implemented to reduce our monthly overtime bill. The nature of our business has not changed, we are busier than last year, and most of all we are making a profit.

Check your contract firstly. It may contain a clause allowing management to change working patterns. If not then the change cannot be made without your consent, as it is a breach of contract by them. However, you only have limited alternatives as to what to do. At worst you can resign claiming unfair constructive dismissal, but that is the nuclear option and you should speak to ACAS and/or an employment lawyer to get detailed advice on your employee right, and only then challenge management.

I am a pensioner and recently asked my social landlord if I could change the insurance for my flat. I was informed that as the landlords are also my factor I have to remain with their nominated insurer.

That is correct. It will specify this in your tenancy agreement, but if you are unsure, have a lawyer look over it - you may be entitled to legal aid for this consultation.

Austin Lafferty is on YOUR Radio, 10-11pm every Wednesday, www.yourradiofm.com or 103 and 106.9FM.