Due to health problems I did not keep up monthly payments and received a council tax demand to pay within seven days which I did not do.

I received a summary warrant. I did manage to pay the council tax by the end of the tax year but did not pay the additional 10%. I am now being asked after two years by a debt recovery agency to pay the £85, must I pay this as I thought if the bill was settled before the new tax year?

If the summary warrant including the 10% surcharge was issued before payment, the whole thing must be paid.

I live in a private housing estate and the deeds state that no commercial vehicles may be parked in the estate overnight. If it is a company van, does the typical transit sized van fall into this category? If it does who enforces the law on this? The problem is the vans severely restrict views into the road and there is an accident waiting to happen.

You have the right as a proprietor to take enforcement action (by way of a sheriff court interdict and costs) and yes, this sort of van is in the category of a commercial vehicle.

I separated from my husband and signed our mortgage over to him. The mortgage was for 20 years. I was there for 11. We have two endowments, one I signed to him the other I was told by the company involved would go straight to the mortgage lender. Do I have any claim on the house or endowments in the event of divorce or sale?

You may very well have a claim - on a share of everything. Although you signed the house over, you did not sign an agreement saying this was in settlement of matrimonial division, and you are entitled to a fair share which may be 50% of the matrimonial property at the date of separation - but also the debts.

I was in a road accident in 2013 The driver drove away. My claim was passed to British Insurances Bureau who passed it onto Solicitors. They advised me to accept an offer of £3800, all of which is being repaid to Department of Pensions bar £400. When I queried this I was advised I would not be recompensed for loss of earning, pain, loss of car etc. This does not seem correct to me.

An accident can produce two types of compensation. One is solatium - there is a legal "price list" for different injuries depending on age, length of recovery and other factors. There is also reimbursement for actual losses - damaged belongings,loss of wages if off work etc.

Where you have been in receipt of state benefits because of inability to work, the Government claws back those benefits from any award for loss of earnings, but not from solatium. You would get unfair advantage if you got your lost wages back and also benefits in the meantime. Ask the solicitors to give you a full explanation of how the award is to be structured. If not happy, get a second opinion.