It sounds as though the claimant applied to court and you failed to respond to the papers and hence they got default judgement against you.
If you maintain that you don’t owe the money or there is an argument over whether you owe the money and you didn’t get the papers because of moving address and if you have a reasonable defence then you need to apply to court to have the judgement set aside.
The court form you need is N244 and the fee is £255.
Here are details https://www.gov.uk/county-court-judgments-ccj-for-debt/if-you-dont-owe-the-money
This does not get rid of the whole matter, it just puts it in abeyance pending a court hearing trial when you will put your side and the claimant will put their side and the judge will decide who wins and who loses.
If you are ordered to pay any money, you must pay it within the timescales specified in any court order otherwise the judgement will be registered and rinse your credit history. Provided you do pay within the timescales specified in the order, does not get registered against. If you ask for time to pay any judgement, it will appear as a judgement even if you stick to that payment schedule.
Can I clarify anything for you?
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