[morag-janet-of-the-hill-family]

He should not use any of these methods unless he is prepared to study extensively and to have a go at things like parking tickets to learn how to go through what is needed. If he does not have the knowledge at this stage to tackle even that then he is not ready to take on processes that require much more experience. It’s not the processes themselves but the ability to hold one’s position competently that will determine whether any process is successful, the processes also require a bit of backbone and determination. If he doesn’t have the time or inclination to do what is required then there is the option of making smaller payments, to ensure they cannot say he is a belligerent debtor and that he is doing everything he can with his limited means to pay the ‘debt’