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Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 71040
Experience:  Over 5 years in practice
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I have signed bailiffs form to pay 520.00 per month, and have

Customer Question

I have signed bailiffs form to pay 520.00 per month, and have paid the first payment,but found this very difficult,this has been at the expense of not paying other important bills, I have asked the bailiffs if it is possible to lower the payments over a longer period,but they have made it quite clear to me that it not going to happen and are not interested,is there any way this can be sorted, any advice would be appreciated. John grainger,
Submitted: 4 years ago.
Category: Law
Expert:  Jo C. replied 4 years ago.

Thank you for your question. My name is Jo and I will try to help with this.

How can I help with this please?

Customer: replied 4 years ago.

The debt is for Business. Rates, I just need lower payments so that I can afford to pay them,as well as the normal rates of 725 per month and rent of 425 per month.

Expert:  Jo C. replied 4 years ago.
How much do you owe and how much are you paying please?
Customer: replied 4 years ago.

520per month the dept is 5131.00 inc bail

Offs fees.

Expert:  Jo C. replied 4 years ago.

How much are you offering now?
Customer: replied 4 years ago.

The agreement is for me to pay 520 per month ,this I have sign,end to.

Expert:  Jo C. replied 4 years ago.
Yes, but what do you want to reduce it to?
Customer: replied 4 years ago.

An affordable monthly sum of 200.00 per month,

Expert:  Jo C. replied 4 years ago.

I am having a few connection problems at the moment and will respond as soon as I am able to. Thanks for your patience.
Expert:  Jo C. replied 4 years ago.
Thanks. Sorry for the delay.

This really comes down to whether the bailiff will accept your offer. He doesn't have to accept anything. He is perfectly entitled to demand full payment at once.

However, I have been around bailiffs long enough to know their set up. They take on far more debts than they can enforce and they chase the ones who are paying the least and likely to have the most - effectively the ones they think are good for the money.

In fairness, if you pay £200 then you will be paying much more than most people on their books so probably won't be their priority. However, on the downside, they know you have been paying £500 so they will take the view that you probably have more and this is a big drop.

Its not likely they would agree to a drop at all. The question is whether they would take enforcement action against you if you just started paying at the new rate. I think overall, the chances are that they would. It would take them a while to notice and maybe a year to act but they are likely to realise in the end.

If you can pay £350 then you have a better chance of dropping off their radar.

If you can only afford £200 then that is what you will have to pay and hope for the best. The thing to do is to make sure you pay promptly every month without fail so they don't have other reason to assess you.

I'm sorry this isn't the answer you wanted but it is the position that you face and I have a duty to inform you truthfully.

Hope this helps. Please let me know if you need more information.