Thanks for that. The 20 euro each month does indeed add up and personally I think it is a charge too far for the relevant council to be making. The 20 euro in fines actually brings it over the cost of the charge itself which as you can imagine over a 3 year period adds up. I do not mind paying for services, in fact I positively believe that we should, but it irks me somewhat to be forking out close to a grand for management fees as well as paying a new charge which from what I can see does nothing for my estate but rather subsidises older estates. Sorry for the rant!
Anyway I will try get in touch with them and see if a longer repayments schedule could be worked out. I doubt the Council will be in the mood for any talk of debt forgiveness on this one