Where do I even start cleaning up this mess?

MinuteNoodles

waamo said:

Actually yes it is. If you didn't have an opportunity to defend yourself you can apply for a set aside. Whilst not guaranteed there is a very high probability of getting one.

Not entirely the whole story. Creditors are only required to serve any actions at the last known address they have on file for you and within the UK, they're not required to go looking for you wherever you've moved to and traipsing all over the world to serve warning notices, letters before action and a CCJ. If you move and don't tell them your new address they're not doing anything wrong by serving the notices at the old address and any set aside will fail.

waamo

MinuteNoodles said:

waamo said:

Actually yes it is. If you didn't have an opportunity to defend yourself you can apply for a set aside. Whilst not guaranteed there is a very high probability of getting one.

Not entirely the whole story. Creditors are only required to serve any actions at the last known address they have on file for you and within the UK, they're not required to go looking for you wherever you've moved to and traipsing all over the world to serve warning notices, letters before action and a CCJ. If you move and don't tell them your new address they're not doing anything wrong by serving the notices at the old address and any set aside will fail.

If it's a set aside with consent I see no reason for it to fail.