I was not sent a NOE prior to the bailiff coming round. I was sent a final notice. The enforcement notice I refer to in my OP was filled in at the property by the enforcement agent and put through my letter box as I was not willing to open the door.

I wrote a letter to the Council today and sent a copy to Phoenix as well. I stated that I will only deal directly with the Council and will be making payment direct to Council less Phoenix fees. I made sure to get certificate of posting for both. I know I won't hear back immediately but hope it won't be too long. In the meanwhile I shall keep car well away from my house as not on finance.

Also what Act is the refusal of my offer to pay 50pm contrary to? It will be good to reference it in the letter I send.

Thank you both for taking the time to respond. The last letter I got from Phoenix was a FINAL NOTICE about 2 weeks ago. I have not been in contact with the bailiff himself as this is the first contact he has made with me. The final notice said an enforcement agent would be the next step if payment in full was not received by the 5th October. What was the point phoning again to offer £50 per month, which is the most I can spare, when they had said no 5 days before? I have parked the car ten minutes walk away from the house. Will they drive about looking for it do you think next time they call round? So it seems the next step is to prepare an income/expenditure document and to write to Phoenix and Bromley council stating intent to pay but at an affordable rate. Is this correct? Are there templates on the site that have been successfully used by others? I want to do this tomorrow as I feel totally out of sorts about it all.

Hi, I am hoping someone can help me. I have been very stupid and parked my car on driveway knowing enforcement agent would soon be showing up some day soon. Well that day was today. The letter pushed through my letter box is an enforcement notice. It says... As payment has not been received i have re-attended your property to take control of your goods. The current some outstanding is £1612.30 If you do not contact me to settle this matter i will be returning at a date and time of my choice to remove your goods for sale which will incur substantial additional costs. To avoid removal action contact me on (mobile) signed/ name (enforcement agent) Good reviewed for potential removal 1 X car black reg xxxxxx ------------ Does this mean my car has been levied? Where do I stand? I will obviously be moving my car but step change said this might be illegal. The debt is for council tax from previous years at previous address. The collection agency is Phoenix Commercial Collection. I desperately cannot afford to lose my car. I genuinely need it for work and we live in a semi-rural area so public transport is a 4 a day job with train station miles away. I spoke to Phoenix 3 weeks ago and offered £50pm as I am on low way and if it wasn't for tax credit would be in a terrible way. Any advice gratefully received. BTW they lied about re-attending my property as it is first visit. I didn't open the door. I asked who it was and he would not say so I said named person was not here. Then he pushed the enforcement notice through letter box.

Hi there. I am no expert but having spent the past few hours with my nose buried in the site and reading Toilet Bandit's thread in its entirety, I deduce that interest should be calculated from the onset of the very first charge. At least that is what I shall be doing when I get to that stage. I am due to post off my SAR in the morning to Nationwide. Hope this helps!