I spoke to the court and they confirmed no response had been received. I spoke to Dryden's who said they had got it and it was only now that they drafting a letter to send me to confirm or deny my payment offer. After the run around they just gave me and the phone hangup etc. I'm not too hopeful.

I think it was the claim pack. That aside, I'm happy to settle the debt but I'm wondering what would happen in the refuse my offer of a part payment?

I had raised a dispute in the response pack too. In my judgement letter it says I did not reply, but I guess in the end it doesn't matter. Thanks for the replies.

I also said on the form about part payments, would it not have said anything in the judgement letter about setting up payments?

I replied to the response pack I got sent on the 9th July, said I was willing to settle but I could not pay the whole lot up front and did not hear anything from Dryden Fairfax and then got a judgement yesterday which was dated 16 July! I would have thought they would have the decency to reply to the response pack I sent them (it stated to send all documents/payments to them). I'm really annoyed as I assume I now have a CCJ? I'm calling the court people in the morning to offer monthly payments and to stress my angst. Any suggestions on what I should or should not be saying?

I had £800 owing to Argos and was in dispute over some of the charges added. Any way it got passed to FRS and they sent a letter about court action so I thought I had better call them. They wanted the full balance but I said I cannot afford to pay in full but I'd like to make monthly payments I'm an attempt to settle the debt but they declined and said "because this is FRS you cannot do a pay payment plan, they only accept full payments" The only thing I can do is wait until its passed to the court?