If you're claiming benefits and doing a Help with Fees application, I would seriously consider doing the N244 and applying for a set aside and then defending the claim, as you will not need to pay the 255 fee. There was a very recent TalkTalk debt on this subforum that was dismissed by the DJ for lack of agreement etc. Also if you can show that the correct address was on the account, however Lowells computers did not write it out correctly, you would have reasonable grounds for claiming non receipt of paperwork. You shouldn't need to do an EX160 when you can use the following application here: https://www.gov.uk/get-help-wi