Hi all, hope u are all well and stress free sorry for the extremely late reply, its been a tough year, been on and off work just not stable, iv managed to bring my payments down to 20quid a month due to my circumstances. I wana thank all of you for your replies and brassneck that's exactly what they said when they knocked on my dads house who I mentioned earlier does not speak fluent english like u and me, I'm not working atm and I'm finding it very hard to come up with the payment at the end of every month, I really need to know what I can do before all my hair starts turning grey!!

hi rebel, no im from manchester but the sheriffs office is based in scotland i think, they dont offer a phone service, strictly email or by post, thank u rebel

hi all, hope ur all well and stress free unlike me lol, could i get to the point? i had a bailiff come round my house and my father had let him in as he doesnt speak very good english and had trouble understanding him, the bailiff was from the sheriffs officw, high court? so i come downstairs and he told me he was from the high court and he's here to recover an outstanding debt with an insurance company, and the bill was 7k!! i was bricking myself thinking what should i do?! it is not my house, its my fathers did they stil have a right to make list of what to take etc and threaten to come back and take whatever they needed to cover costs? anyway after all that hoohaa they said the only way we could stop any further action on that day was to pay a 2k fee! which we paid and now currently on a payplan on 65quid a month? i really need some advice off anybody that can help on how i could deal with this or bring the monthly payments down to a minimum? i didnt recieve any letters from them asking for payment or anything, apparently the court sent me a letter to go in and discuss it with the insurance company there too? please get back to me if u could help with anything, thanking you in advance