Thanks for the quick reply: Is your car leased or on HP? No I own car You say you have to visit clients - are they widespread & do you have to carry any equipment? about 80% of my clients are in 40 mile radius and the further 20% dotted across the uk. about 25% of my time I will be delivery and collecting IT equipment i.e. servers and networking equipment. The rest of the time my laptop and a few cables, keybords and general spares for customers. How is the vehicle insured & is anyone else allowed to drive it? The vehicle is currently insured for domestic and pleasure + business use Myself and a friend, that live with me are insured to drive the car. Any info much appreciated

Today I received a vist from a from a bailiff for council tax arrears of just less than £700. I had not received any paper work to attend court or that there was even a court case but it would appear that the debt has gone to a magistrates court. I did not allow the bailiff into my property and I asked to see a copy of any order from the court but all he would show me was a badge with his name on. The bailiff left me with a form titled "Distress Notice: Seizure of Goods & Inventory" on which he listed my car that was parked outside the house. Neither the bailiff or I signed this document but I did accept it not really knowing what it was. I am an IT consultant and use my car to visit clients on a daily basis. I am happy to make an arrangement to pay and approached the council offering this, they said I would have to deal with the bailiff and they want payment in full. My question is this, the car is still in my possession but the form seems to suggest the bailiff has sized the car but not collected it. Is there anything I can do to stop the bailiff taking the car? If I transfer my car to my Ltd company would this be illegal as I need it for work? Can I sell the car or remove it from my property? In short I am happy to pay any arrears owed but can not pay in one lump sum and if I lose my car I have no way of working. Any information or advice would is very much appreciated. Thanks in advance for any replies.

Thanks for the quick reply CitzenB I will take a look through the documents you mention and I am thinking of going to my local CAB office for some advice also.

Hi, Due to ill health I had to finish work in 2010 I had a number of credit cards and manged to keep paying the minim interest until September of that year, unfortunately at this point I ran out of savings. All of the credit cards that I had except cahoot have placed a default on my credit file and have stopped charging interest. Cahoot however have continued charging interest and have not placed a default on my account and as such the debt is just getting larger and larger. My question is this, does anyone know of a way I can get cahoot to place a default on the account and stop charging interest? If not what other options may I have to stop the debt spiraling out of control.