It isn't the CCJ

it's case details that i requested from court itself

particulars of claim,

case no and

date of judgment by default

together with copies of my original loan application.

The £55 per month was paid in relation to this case number.

I have never had any other ccj's other than this.

Only found out I had CCJ in 2009 when SLC finally tracked me down

Yes I have letters from SLC accepting £55 per month agreed on temporary basis. Have copy of CCJ judgment in default and my original student loan agreements

Yes by letter . They (SLC )wanted £160 per month but accepted £55 and paid it monthly until oct 2013 when I stopped because I could not afford it.

Paying £55 to student loans company themselves

Yes have been sending annual statements to me each year. Is this just a normal CCJ now regardless of that it is a student loan?

I was paying £55 per month until oct 2013 from 2010 when they caught up with me.

Relates to study from 1992 so mortgage style loan.

Can CCJ after 6 years be enforced without them applying to court?

What would happen then?

Do you have to declare to court income and assets?

I have received a letter from drydens fairfax solicitors threatening bailiffs,

putting a charge on my house and attachment to earnings

- standard stuff I think from reading other posts on here.

My CCJ was received in default judgment in 2005 and

since then I have been paying £55 per month.

I stopped paying it because I simply could not afford to pay it.

I am on disability benefits and my husband is a pensioner.

I want to know what is the worst they can do to me.

I do not want to complete their income and expenditure form as I know they will expect me to pay £200 per month or something ridiculous.

If I let them take me back to court what would happen?

I am really aggrieved about this because I have never earnt over the deferment level since I left university

but because I did not complete deferment forms they got judgment in default.

Am I ever going to be rid off this student loan?!

My husband is worried about this and thinking of using his lump sum state pension payment to settle my debt of £4000.

I really don't want him to have to do this but

do you think drydens would accept a much reduced figure since they have paid peanuts for my debt?