Thanks everyone. It looks like Time to Pay is the way forward. I really appreciate your advice x

yes it's actually in three names, mine, my partners ( correct surname) and a relative.

Oh and also the account is in joint names with my partner but they have the wrong surname for him. How would this affect possible sequestration?

Hiya, Thanks for the replies. Yep summary warrants have been raised on each years council tax. I'm afraid I've been completely ignoring it until now. I have in the past set up payment plans with Scott and co but theyve always bullied me into paying more than i can afford and hence i have let them lapse. They have emailed back this morning again rejecting my prior offer. It's the sequestration threat that really worries me. Id get the balance under 3000 if that could prevent that possibility. In any case I will read through the time to pay link, thanks.

appreciated

Oh it would have been helpful if i had said that, yes council tax! thankyou

Hi everyone, I was wondering if someone knowledgeable in the field could offer some advice Scott and co have recently sent me a letter stating that due to the length of time I have owed and the size of the debt they will apply for sequestration. No specific dates. I emailed them (as previous experience has put me off phoning) and firstly asked them to break the debt down. They let me know there is some from 2008-2009, some from 2009- 2010 and some from 2010-2011. The total amount due is £3400 I then emailed back asking if they would accept repayment in instalments. The reply came saying yes but they would like payment in full before the new council tax year starts. I mailed them right back saying that was unreasonable, it is more than my household income in that time and could they suggest a more appropriate arrangement. They then replied asking for a phone number which I politely refused to give. Their next offer was for me to pay a lump sum and then monthly installments. So again I asked what figures they are suggesting. Half the amount due as a lump sum and then £200 a month. I have emailed back stating I could pay £600 lump sum and then no more than £100 a month. So my main questions are as follows. Can they apply for sequestration if i get the debt under £3000? I understand that's some kind of threshold. Can they refuse a payment plan without having done any affordability questions first? Surely arrestment of earnings should be their first step anyway? If they are going to apply for sequestration will they have to advise me of this, like a date and give me a final chance to pay? I'm a bit worried as do own my home , if I was still renting I would be telling them where to go... thanks in advance xx