Hi everyone, I'm really hoping you can help me. My wife has recently informed me that she has received letters from the court, stating that she owes over £8k to Hoist portfolio holding 2 ltd. She has not had the capacity to deal with any post etc due to our third child being born a few weeks ago. First, a letter asking for a defence - not completed because she was not at our address up to the hearing date and did not see it until after the hearing. Second, a letter requesting statement of means. Not completed due to giving birth to our third child. It has been a stressful pregnancy. A lot more consuming than the other two. She just hasn't had the energy to deal with anything other than the baby. Third, we received a communication from the court with her name on the envelope, but someone else's documents inside from somewhere in Liverpool. Finally, it was transferred to our local court, who hand delivered a letter to my wife entitled Order for Production of Statement of Means. Now she has finally had time to think about the debt, I fear it is all too late to defend. She remembers having an account with Barclays, but does not recall a large debt. Is it at all possible to submit a request for information from Hoist, asking to see proof of the credit agreement? Should it be the original document? Is this all too late? My wife is a wreck already with the baby only weeks old. And I'm here tearing my hair out wondering how on earth it has got this far. I appreciate it is a real mess, but there have been exceptional circumstances happening when the dates and requests have been issued. The deadline for the order was this Friday gone, and I'm now concerned because the court is threatening a £250 fine and/or 14 days in prison. My wife doesn't know what to do. I wish I had this info sooner, but I now need some important advice as to how we can challenge this default judgment. And if that is even at all possible. She is thinking of just filling out the statement of means and sending it off. But I've said that's crazy if they can't prove ownership of the debt and that it legally exists. Many thanks.

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