The client attends with an expired charge for payment

A charge for payment of money is a final notice from a creditor and gives the client 14 days to pay before the creditor can take further diligence against the client (eg, a wages arrestment). Options could include applying for a statutory moratorium (remembering that if diligence has already been actioned then a Statutory moratorium will not help). You can still contact the creditor and make an offer of payment for the client, that is affordable and what the clients wants to do.