If there is a valid basis upon which the claim may be contested, like a dispute over liability, then you do have the option to apply to set aside the judgment.
You can do that using the N244 forms although there is a fee. The application will be heard fairly quickly but you can also request that the execution is stayed in the meantime.
If judgment is set aside there will no longer be a debt although it may be brought again.
If you apply to set judgment aside you should draft your intended defence and give it to the court as part of your application.
A good idea is to ask the creditor if they agree with the application. Often they will and then it is almost automated. If they do agree, write to them confirming the agreement and copy it to the court.
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