That's all fun and games too. I have gone through all my mortgage paperwork and read around the issue. It turns out that I have to pay council tax which would usually cover this kind of thing, but in this case it doesn't because the council don't actually own the street here and the trees and any house owner who isn't the original owner has to cough up. When the previous owners ticked the box on the mortgage paperwork saying "we don't have to pay estate covenants" they weren't lying but neglected to say I would. I have told Gallions they won't be getting the money in 28 days, and could they work out what I actually owe them, since I only moved into the property in the September of 2009. They will then sort out a monthly billing strategy of some sort. Probably. So far, we've got as far as "I can't handle this by phone, could you put the request in writing?" followed by a letter dropping through the door asking me to set up passwords and so on so they can talk to me by phone and be sure it's actually me. Fun. Not.