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  1. Hi All In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness. Unsecured loan 1 - From HBOS - £5000 (New Car) 2007 unsecured loan from HBOS - last payment must have been Late 2007 early 2008. I applied under my PPI insurance during the first few months of my illness and I believed that was that. as I dont remember much of the following 2 years as I fell into a coma and began battling for recovery. So Now Joy of Joys - I have a default CCJ on my credit file for £4001 as of 2013 - I have just recieved yesterday an annual statement from 1st Credit detailing financial Transactions over the past year so i believe they where the claimant. Must have bought the debt. So I am going to apply to have the CCJ set aside and wanted some pointers/tweeks/amendments on my reasons/evidence.. Should I acknowledge the debt?? Should I chase the Payment Protection Insurance Claim I made in 2007 with Halifax? I missed the Hearing for the judgement as I did not recieve any correspondance from the courts hence I was unable to file a defence or attend a hearing. I have only just become aware of the judgement as it was highlighted by a prospective employer. Ok guys that is Debt 1 - your assistance is kindly requested Thank you everyone.. Oh wait Did I even post this in the right section???? Coz like I'm'a such'a CLEVER!!!! Help please Modz SAVE ME from my cleverness
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