i worked for one of the biggest bailiff firms in the country and no matter what you say or do untill the debt is paid they will keep coming back And believe me everytime they come back your debt will go up by £50 at the least.

And you say you have offered to pay installments? once it has reached bailiffs it cant be done unless the bailiff accepts it without telling the office but even then you will only have probs 2 weeks to pay.

And if they get in your house your screwed basically they will do what is called a levy on all of your goods and they dont just take goods to the value of your debt they will take anything and everything which they think is of value,including cars etc of whatever you have on the drive or outside.

Also make sure all your windows and doors are locked if you go out because if they are not some bailiffs will just let them selves in lol and its not classed as breaking and entering either.

So end of the day your best off paying your debt cause it will end up costing you a fortune