Cant really offer any advice sorry but I can hopefully reassure you a little.
We have been paying Bristow and Sutor now for aprox 18 months and we Have £125 left to pay off a bill of somewhere in the region of £2000.
I made an agreement inc letting their bailiff in our home to do a WPO, didnt feel like I really had a choice at the time as he said that he was going to stand there all day and I was expecting workmen and visitors. If I had known what I know now I would have left him there all day
Over the course of our agreement we have defaulted several times, due to unemployment etc and every time they have sent the heavies and stuffed notices through the door saying that they are coming to empty the house. On every occasion I have called the bailiff and he has demanded a ridiculous amount of money, I have called my husband and he has rung the bailiff and the absolute minimum he can accept has suddenly decreased amazingly and if we give him a day or two he is sure he can get us back on to our payment plan.
It just appears to be a game to them - not funny for us on the nasty end though but from our experience if you hold your nerve they will come to an arrangment.
I should also add that I have on several occasions rung the council involved and advised that I am unhappy at the way we have been treated. Although I have yet to make a formal complaint I have allways insisted that my concerns are noted.
Sheraton