1: Don't use your rent money to pay these rats, You need somewhere to live. Your rent is more important than the bailiff. 2: Remove anything of value outside, Move your car a good 10 minutes away, Not ideal when you have kids but away from the rats who will just threaten to take it away if its not worth enough to cover the amount. 3: Never let them in, no matter what they threaten, Bailiffs do lie and says things to scare you into getting what they want which is money off you 4: Letter of complaint to council regarding payment plan since bailiff co won't accept what you can afford and sounds like they may have ignored you for unju

cca request under s78

Theyre wrong. With credit cards they know very well that the last payment or date of written acknowledgement is the SB start date. You now need to do some homework and find out when the last payment to the account was and last written acknowledgement. Have you sent them a CCA request yet? You need to include a blank postal order for the statutory £1 fee

remember, send 3 copies of the n1 form and POC to them when you do so. I recommend using a tracked postage service for this. Also online submission does not normally have enough space to fit the POC in for a credit card charge reclaim. It is at this point now I recommend scanning in ALL associated materials to your case on computer. This includes letters sent (and postage receipts and delivery reports) and store them on your computer in an order able fashion. Reason being is if this makes it to a court hearing or bundle exchange, you have a lot of the hard work prepared as you go on computer. (AND make regular backups!!)

No !! That is a commercial site by the looks of it. Use them and they'll charge you for their services, in addition to the court fees you always pay (unless you qualify for Fee Remission). The HMCTS free site (identified by the gov. in the address) is here - https://www.gov.uk/make-court-claim-for-money/overview