Some Advice Please

[waccyman]

Hi I hope someone can advise me because I am going out of my mind with worry.
I owe Horwich Farrelly on behalf of HFC Bank £9144.13. I had a CCJ which i was paying but for the past 2 years I have been suffering from depression and stress which has caused me to lose my job and only receive Incapacity Benefit. I had the court contact me and i filled in the relevant N245 form offering a payment of £5 per mth. The court replied to me and told me I had to pay £60 per mth. I simply cannot afford this fee so I contacted the court and the bailiff and he told me to contact Horwich Farrelly. I wrote to them explaining my situation and with a financial breakdown form and increased my offer to £15 per mth. Today I have received a letter from Horwich Farrelly telling me to contact the court again and complete a N245 form.
During all this time I have had the bailiff visit me twice, on both occasions even though my mother was in ( I live with my parents) but he didn't knock just posted a letter through the door stating that he would come back with a van and take my goods.
This has obviously upset my parents because all the stuff worth anything in the house is theres (Sofa, TV etc) Anything of mine i have sold to help pay my debts. I am scared that they will come and take my parents possessions and I am at a loss as to what to do now. Do i do another N245 form and see if the court will accept a new offer of £15? I just don't know what to do.
I am looking at bankruptcy at the moment because I do owe a lot of money (over £30,000) and as I am only on Incapacity Benefit and am very unlikely to be working within the next year or two I thought it might be the best option.
If someone can please give me a bit of advice because on top of my daily struggle with mental illness I really don't need the fear of debt collectors worrying me.
Thank you.

[Michael Browne]

I am scared that they will come and take my parents possessions and I am at a loss as to what to do now.

This won't happen.

First they can only take your possessions (although the onus is on you to prove that your parents possessions belong to them)

However they cannot take anything at all until they have gained peaceable entry, ie you invite them in or they gain access through an open window or door (they cannot force their way in), so all you have to do is to refuse them entry

[waccyman]

Thank you for the advice, it just so scary when they say they are gonna come and take your goods. I will just make sure that they don't gain entry.

[Michael Browne]

See here for general info re: bailiffs:
Dealing with Debt 11

and here:
Bailiffs and how to handle them - Consumer and money problems - Advicenow guides - Advicenow