I suppose there's no comfort to you but I may as well say it for other people who visit this thread: you've been here since 2010 and the advice here for many years has been not to ignore these letters. And if you hover over the ignore link then it is fully explained as to why.
So it had you not ignored there might be a chance of them not taking this any further because they would then have realised that you were up for a fight. Because it was ignored, they immediately thought that it was an easy kill – and clearly it was exactly that.
You then received claims forms which (sorry) in a fit of wishful thinking someone decided to take the view that they were fake. This is highly unlikely – ever – and is always worth checking up on at least by calling the court office.
There might have been certain defences you could have raised that by and large it is now too late.
I think you will have to suck it up and as you have already suggested, if you pay within 28 days then there will be no CC J recorded against your credit file.
However, I gather that 28 days has passed and therefore the way forward if you really want to have a chance of avoiding the effect of CC J would be to apply for a set-aside and then if you managed to get it, take the opportunity to pay the money. However, you will incur the cost of a set-aside which could be as much as a couple of hundred quid plus the other costs associated with the case which has been bought so far.
Someone else will be a long to give you an idea as to whether there might even be a realistic chance of defending.
I'm really not sure what all the above refers to and why you are bothering with it.
This is an overdraft current account ?
You entered into it in Scotland ?
Claim was issued 14/09/18
The last payment date by YOU was 18th Nov 12
Section 78 is not applicable to overdrafts.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!