Surely a default isn't as negative as a ccj?

Thank you so much for your advice. One last question, what grounds would I use to argue the set aside, the fact that I didn't receive the paperwork?

The creditors are Fair Finance they are the ones who took me to court (unbeknown to myself) and got the ccj

I don't even have the loan paperwork anymore, the amount being disputed is £400. I believe I owed around £100 but I would literally pay whatever to have this removed. Is there any way I can speak to the creditors and get them to agree to a set aside if I agree to pay?

I just put it in the post box, had no clue I would ever need proof of postage, I have my tenancy agreement which proves I had moved. Would that be appropriate?

Thank you for your help!

Hello. Any help or advice would be amazing. I had a loan in 2011 which I knew I had a couple payment remaining on when I moved house, I sent all of my creditors a letter confirming my change of address on but received nothing in writing from my loan company. I wasn't too concerned as there was only around 4 payments remaining. At this point I lost my job and could't make any further payments and I didn't receive anything in writing from them to chase payment so stupidly I assumed it was all forgotten. I have since got back onto work and have a good job now and recently applied for car finance which was declined, it was at this point that I checked my credit report and have realised I have a CCJ. I don't agree with the amount they claim I owe them but I would do anything to have it taken off my credit report. It was issued in 2012 to an address that I didn't live at so I had no clue about it otherwise I would have defended it. Do I have any grounds to get this set aside, what do I need to do? Please help me