Last summer a company took out a charging order against my property for almost £3k to protect its interests against late settlement of a debt which is owed but which cannot be paid at the moment due to a change in persional financial circumstances. The judge advised me that no other judge in his right mind would initiate a sell order on the propert (worth £550k) and that it would sit there until I settled the bill.

In the meantime they passed the file to an agent which took pleasure in continuing to make 'bailiff' visits to claim the funds and ratcheting up the costs for each visit. In September of last year they made me a full and final settlement offer of about £750 in writing...and when I accepted it and requested confirmation in writing they gave it but stated that the file had been passed back to the client. I wrote to teh client confirming the acceptance of the offer which was responded to stating that it was a mistake by the Agent and that I still owed the full amount.

The same agent has now been reappointed to collect the full amount and continues to make site visits and increasing their costs denying that they ever made an offer to me. THey may have amde a mistake in the offer with or without client consent but either way I feel aggrieved in that I should be able to make the F&F payment and either the client or the agent should absorb the loss for their own mistake (if it really was one). I have represented myself thus far - is it time to let a real lawyer secure or is there any case law that binds an F&F offer via an agent to teh client ? I'd like to make this payment and get the charging order lifted.