Hi Anne
Only a county court baliff can enter the property, if this has not been to court yet then you do not have to let them in and its illegal for them to 'gain' entry.
Council tax is a legal debt and therefore is a priority. If that baliff comes back tell him to go away. I cant help thinking the money is going straight into his back pocket. You deserve to be treated better, a court would certainly allow you to make affordable payments and not force you into more debt.
I had a council tax baliff knock my door, I told him to go away and he did. I was on benefits after losing my job and it was all sorted out. I hadnt claimed rebate, I didnt know I should, first time on benefits, etc. It scared the living hell out of me, so I know what your going through.
You need to sort this out directly with the council you owe the money to, phone them and explain whats happening, this baliff is preying on your fear. Dont give up, stay on the phone until you get this sorted out. What is happening to you here is just plain wrong.