Hi There, I am new to this site and have seen a lot of useful information to other users so i have joined in hope of help. I am being chased by Phoneix Commercial OCllections. I had council tax arrears of £785.12 so the Phonexi Bayliff attended my property and I paid him £245.12 leaving me with a balance of £540.00 to be paid in 3 installments of £180.00 at the end of August, September and October. I paid my August payment on the 02nd September and my October payment on the 06th October. When I reached home today (28-10-2009) I had a letter demanding an immideate payment of £400.00 other wise he will enter they will be forced to enter the property tomorrow (29-10-2009) with a locksmith and a policeman to gain entry intot he property. I called the person named on the letter at 09:00 pm and queried the charge which was brokern as follows: £180.00 owed + £10.00 brokern arrangement fee and £210 cost of the bayliff visit. He asked me to pay before 09:00 am the next day and when I said I could raise the funds he threatened to remove the goods. I finally paid him the £400 and the £5 for using a debit card. My questions are 1. are his fees legal? 2. Is he within his rights to give me a 12 hour deadline 3. are his threats real? Thanks for your help (in advance)