My wife received a claim for an old (2006-2009) Black Horse Fixed-Sum Loan in mid June.
I used MCOL to file the AOS online for 28 days to submit a defence and then stupidly neglected to put a defence in in-time!
As a result she received a Judgment in Default a few days ago that states
"You have not replied to the claim form"
- not correct (AOS submitted in time).
Is there any way I can dispute the Judgment as the claim was responded to in time and AOS submitted in time?
Can I appeal or try putting in a defence with a letter disputing the Judgment or is this too risky/expensive?
If as I suspect I've blown my chance to defend my main concern is making a payment arrangement as not in a position to pay the whole amount
so I either need to delay the CCJ date (possibly by transferring top local court/asking for a hearing etc.??)
in order to try to get funds together before the 28 days after judgment or I need to change this to a monthly payment scheme somehow.
Could someone explain what the options (and deadlines/time limits after judgment) are for:
- disputing judgment in default/defending/appealing etc.
- delaying actions (even if will still end up with judgment against us it will allow time to clear the ccj before registered)
do I have to pay to make an application to the court to vary? or redetermine?
not sure what options are available and what is best.
- requesting a monthly payment arrangement I have a feeling the deadline is coming up in the next day or so,
can anyone help urgently?