Family 1, Bailiffs 0

The first letter warned him that he had failed to pay one installment.

The next letter said he'd missed two installments, had lost the right to pay in installments, and demanded all the money.

The third letter was a summons to a Magistrates Hearing. Kevin didn't go.

Because this all happened at the back half of the year, the sums were relatively small, but even so, when the pre-enforcement notice came, it informed him that he now owed the council £528.73, plus court costs of £85, and the account would be handed to the bailiffs, who would begin pursuing £613.73 in 14 days time.

Kevin rang the Council Tax department to explain why he was in arrears, and to try to come to an arrangement.

The Council put the phone down on him after saying that the matter was with the bailiffs and he must ring them instead.

He didn’t ring the Council again.

Kevin went to see the CAB; he asked for help and advice from internet self-help groups, and did his own research about bailiffs and the law.


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