Hi,i'm new to this forum.
I had an agreement set up with EXCEL civil enforcement for £1263 paid at £130p/m (my OH let him in september and he took a walking posession) I missed a payment last month because work changed pay frequency the day before i should have been paid!! I got a letter from exel so i phoned them,they told me it had been passed to the bailiff and i should phone him. I rang him and he told me to call the office and make a payment because if he came it would be the full amount or removal of goods! So i did that,then after the card payment of 130 had gone through the man said there was £256 owing from last year! I asked for that to be looked into because I didn't think I owed it( I had made sure each payment went out) and i didn't have £256 even if it was owed.
Wednesday I came home to find a big red letter INSIDE my house.the amount outstanding shows £1643!!There is nowhere near that value of goods here (not even quarter) It's now friday and I've just got off the phone to the bailiff (who is now being a lot nicer after his scare tactics like "I will start committal proceedings against you" didn't work) and he's just told me "off the record of course" to make sure that my OH's dad's people carrier (that he passed us in) was away from here when he attends because it could be seen as vested interest as she is insured on it.Is this true?
We have 2 young children and are on edge all the time,I have no idea where I stand and can't see why they haven't turned up yet.What things we do have are either second hand,damaged or on hp(buy as you view) I even took today off work in case they came when my wife was here on her own with the kids