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My name is ***** ***** I will try and help you today.
You have done very well.
You should certainly write to the as suggested and pay the £300 which can be reclaimed.
If the judgment is set aside the CCJ will be cancelled and your credit score will remain intact.
You can them reclaim the amount paid.
If not you have lost nothing and remain with a clean credit score.
They can claim the extra £50 as enforcement fees but if there is no solicitor acting you can always argue that you should not have to pay it.
If you have a real likelihood of defending the claim i.e. an arguable defence, which yo say you do, it may be an idea to draft it and attach it to your application to set aside judgment so that the judge can see yo have a good defence to the action.
You should contact the claimant or their solicitors to inform them that you intend to defend the claim and to seek their consent to set aside the judgment. Providing them with a copy of your proposed defence may encourage the claimant to agree to the application.
It is important to note that only the court can set aside the judgment and so you will need to make an application to the court regardless of whether consent is obtained, but seeking the claimant’s consent may mean that the claimant chooses not to oppose the application and/or decides not to attend the hearing which will reduce the costs incurred by the claimant.
If consent is refused by the claimant, but your application is successful, your attempt to seek consent may place you in a better position when the court is deciding costs.
The court rules for setting aside or varying a judgment are set out in Civil Procedure Rule 13.
I hope this helps but please ask any further questions you have.
The second letter should ask them to consent to your application and enclose a copy of the N244 with your evidence and draft defence.
Best of luck!