I have not gone to the courts yet. I have been sent a Notice of Hearing to take place on 13th November 2014 with an Acknowledgement of service questionnaire to complete.
They do not have a ccj. and I have not applied to the courts to pay but instalments. I did know that was an option. I did speak to the solicitors to come to some payment arrangement but they only wanted the payment in 3 i.e paid in full in 3 months instalments only.