I dont believe any baliff action will be taken now. The fact that my account arrangement has been reset tells me that I get to start again so to speak. The lady from the council also managed to get my payments reduced to £50 per month. I know before when I struggled with payment the council reset my arrangement and no action was taken, I just had a couple of weeks breathing space then started paying at the date they set. Do you think baliffs will still come to my house tgen even tho the council has had them to reset my account?

Hi guys, Was very surprised when I checked my email just now. The council emailed me back and they called Swift first thing this morning and told them to reset my arrangement. They haven't asked for a doctors note either which I'm glad of. Waiting for Swift to email me to confirm the arrangement . I am wondering thou if they will ask for the arrears to be paid before they reset arrangement? Can they do this if the council have told them t reset it?

I will let you all know as soon as I get a reply from either Swift or the council.

Thanks guys. My partner isn't yet aware of what they are doing, he knows about the debt but I haven't yet told him about the email I had. I will see if I get a reply from the council then tell him. I dint know if I'll be able to get a doctors note. I have a mild form of pnd, I was diagnosed with that and the doctor told me it would probably go as I started to heal from the injuries I in cured while having him, and I do feel much better than I did. The doctor would be able to see the difference in me from then to now so I doubt he dull give me one. The annoying thing is I could afford to pay all the debt outstanding, but not til the 10th of Dec. I nave outlined this to swift, but I highly doubt they will allow me an extension.

Also, if I did come to an agreement with the baliff over what to pay and when, do I pay Swift credit or will the baliff turn up for the money?

So if I don't let them in, where does it go from there? I've read you can be arrested for not paying. Or they can force entry into the house.

The things is I know im am going to be constantly stressed thinking that baliffs could turn up at any minute.

I have e-mailed both outling my PND and the horrendous time I had while having my son and after. I just looked up the vulnrable list and I dont think I would be under that. I'll stick it out and see if I get any replies. Should I send an actual letter to both or will the e-mails I have sent be ok? I probably won't hear anything from the coucil until Tues, the baliff company take forever to answer e-mails, so it wouldnt surprise me if I dont get an e-mail back until Fri the 30TH. I am wondering whether I should just arrange for the baliff to come to my house so we can discuss repayment. I know I will pay it back so im not too worried about the levy charge ect

I see. So would I be better off not answering the door? Do they hang around outside for ages after knocking?

Do they have to obtain any documents before they can call at my house? Im trying to figure out how long i have between now, and someone turning up, so I can get an idea of how much I can pay before someone does come. The e-mail they sent said to make the payment by 30th Nov (is this my 7 day notice)? And if I couldnt pay, to contact them to arrange for the baliff to come to talk about my account with me. Its so confusing!

Also, the initial letter was sent to me in feb/march time. I have e-mailed them but they always take days to reply

I have e-mailed the council asking them to take the account back, although I doubt they will. Ploddertom- I recieved a letter form Swift credit just saying the debt had been passed onto them ect. This is the only letter I have ever had off them. We came to a payment agreement through e-mail. They e-mailed me telling me that my account was in arears ect. Thats why im wondering if they have to send a letter, not an email. Yes im in Wales, as far as im aware no baliff charges have yet been added. Thanks

Thanks for your reply. A baliff has not yet visited my property, I think this will be their next step though. I had my son on the 29th of September, so no longer pregnant. I have been diagnosed with post natal depression, I had an horrendous time having him and was left feeling awful low.

Hi all, not sure where to post this so posting here. I had a council tax debt passes onto Swift credit services back in March time, intotal it was around £1200. I offered to pay £100 p/m which they accepted. However, when I started maternity leave my pay dropped quite alot. I continued to make monthly payments but always less than the £100 (never less than £50) They never mentioned me paying less so I continued to do so. I emailed them this week because my partner lost his wallet which contained the bank card that both our wages go into. I simply asked if there was another way to pay until we got a new bank card. 3 days later they had e-mailed me back saying they "noticed my account was in arrears, therefore my arrangement is null and void" and to "make payment by 30th Nov" and "if i cant afford to repay they sugguest I contant their office to arrange for a baliff to call at my home to discuss my acount in more detail" I am now at a complete loss as to what I do. This information was only emailed to me, I have not recieved a letter stating that my accounts are in arrears and that a baliff will be calling. Do they have to give me notice of someone coming in form of a letter? Do they have to obtain something from the court before they can send someone? The council did obtain something though I cant remember what? It went to court and I didn't need to attend. It was then passed onto Swift. Any advice would be appreciated Thanks