Thanks - just to confirm there is already an interim charging order in place and the creditor has applied to HM Land Regstry to register this (and it is possibly already registered). The next hearing is for the interim charging order to be made final. On the form to set aside the judgment I have made reference to the charging order hearing and I hope that the Court will put this hearing on hold pending an application to set aside the judgment.

I am trying to help somebody who has a debt problem and cannot find advice elsewhere. He took out a loan in 2003 at an APR of 74.3%. The debt, originally £3000 grew rapidly due to high interest charges and late payment fees. The creditor issued a County Court claim earlier this year and served the claim at the person's old address. By the time it came to his attention, he had a judgment against him exceeding £15,000. Oldham County Court has already granted an interim charging order against his property and this has been registered at HM Land Registry. The full charging order hearing is due to take place in 2 weeks time. I have filled the form in to allow him to apply to set aside the judgment and this has been sent off to the Court with a £60 fee, saying that the original summons was never received and that the interest rate is extortionate. Can anybody tell me what other action is required e.g. should he do anything about the interim charging order, other than to ask for this to be placed on hold until a hearing has taken place. Can the debtor obtain a copy of the original agreement and can he complain to the Financial Services Ombudsman? Is the interest rate extortionate? Any help would be appreciated. thanks