so what next, simply deal with debt collector?

nearly 2 years from CCJ to submit set aside, judge said it was too long a time. Also, he said i had no real grounds for success with the evidence in front of him, (less than 6 year gap between maturing loan, final demand and me submitting a payment

Application refused, unreasonable delay. Not sure what to do now.

second hearing is next Monday (6th) I dont have much of a plan other than replying to their document point by point.

do I need to respond to 5th April letter to say I am proceeding with hearing?

thanks for reply, I have not been asked to do one, just have the second hearing date

last hearing the judge mentioned their statement and asked me ;what do you have to say to me? I feel i need to prepare a response? J letter received today, together with income and expenditure form corrected and attached, sorry Y158878 - Letter to Def (5 April 22).pdf

Thank you

Do I need to rescan?

Apologies. Date was 26th February

Here you go General Form of Judgment or Order.pdf

New court date set for June. I need to respond to the statement from them in court and am unsure how too?

SLC default notice was 10th March 2008 18/8/ 2009 last deferment with SLC 22/10/2009 last payment to SLC 3/3/2015 first payment to Erudio where is the 7 year gap, just need to get it clear in my head as its making me ill? thank you for your help

do I wait for the next court date and present my timeline with under duress as defence? Sorry, dont know next steps and worry i will now loose. do i discuss with Drysdens and try and agree something out of court?

note from account re 22/10/2009 payment of £5 - constant calls, unemployed, struggled to pay. Memo Number(58) Date Written - 09 SEP 09 PD/SLC Borr is unemployed and on JSA. He has been sent an IED and I told him NOT to complete it. this is only for people who are earning. Borr can only afford £5 so ARR of £5x6 and he has taken our bank dets to set this up from 28 Sept. harassed, yes, conned, yes Memo Number(54) Date Written - 24 JUL 09 cust adv going to send additional paperwork to defer the loan, going to call back and make an arr. Memo Number(55) Date Written - 17 AUG 09 report actioned daf. Memo Number(56) Date Written - 21 AUG 09 OTC to borr, req IED letter the above notes from SLC prove, application to defer, deferment, further harassment requesting money when deferred and on JSA 22/08/2008 Note Correspondence type: Deferment Acceptance Letter with arrears

deferred with arrears - had letters (Smith Lawson) chasing arrears and calling me do I need to cancel the set aside and pay the debt?

SLC default notice was 10th March 2008 18/8/ 2009 last deferment with SLC 22/10/2009 last payment to SLC 3/3/2015 first payment to Erudio 5 years 4 months between payments ...damnv

my SLC default notice was 10th March 2008 my first payment to erudio was 3 March 2015 7 years later, does that have any bearing?

I forgot all about the payments, I was suffering with mental health problems, had gone through a messy divorce and was trying to get access to my kids. I was also getting calls and letters to pay and agreed anything to stop it. Apologies I missed it.

yes I made the payment, checked today

2016 was last payment to capita I made a payment in June despite losing my job in April

I looked, I forgot I tried to resolve and made payment after constant calls and letters. Fear now they have me over a barrel and I am going to be hit with additional court costs. Y158878 - WS (4 Feb 22 - paginated)_Redacted.pdf they signof the email as follows We trust that this now clarifies our client’s position, however should you wish to discuss the matter with a view of resolving the case without further litigation, then please do not hesitate to contact me on the email address above.

I have received their statement, they seem to be relying on the fact I made a payment in 2016 thereby resetting any time for action, they also state I have taken 21 months to try and throw out the CCJ. should I post and redact fully?

They were on the call, Judge said I shouldn't be ambushed and needed to see the defence, no reference to striking out, judge had bundle, I didnt.

bundle not given to me from their solicitors, judge not happy, hearing adjourned, they have 7 days to send, case will be relisted after I see their defence