How can I help with this please?
The issue for limitation isn't the date of the debt but the date of last acknowledgement. If you have paid within 6 months then you have acknowledged it within 6 years.
On the face of it, you are liable. There is no way around it.
If they will not agree a reduced payment then I'm afraid a CCJ is fairly inevitable. It is never possible to guarantee anything. A case can be lost for any reason but that is not usually likely.
It might have been that if you had maintained payment or agreed a reduced amount then it would have been avoided or they might have sued anyway. Sometimes they do.
The plain fact remains though that they are suing and they cannot be forced to withdraw.
If they will not then a CCJ is likely.
you can always apply for a variation order to pay in instalments.
No, it is not possible for a Judge to force them to discontinue an action on that basis. There is no power.
Yes, on the face of it, it is an admission of the claim.
you are not raising a defence I'm afraid.
Yes, it is a standard form.
Yes, admit the claim and then make an offer.
Probably what will happen is that they will grant a CCJ and then you will have to apply for a variation order but that will be allowed. It is in their interests.
The only other alternative is to make an offer and start paying now.
All the best.