Please don't lose faith, your absolutely correct the court judges and clerks are all geared up in favour of the claimant and blatantly ignore court procedures and the rights of the consumer.
You have every right to challenge the decision of the judge. We did this when a claim was issued against my husband, 3 judges all making different decisions, we just kept writing back pointing out that the he did not owe this money, the claimant, a mad bonkers woman was allowed to totally abuse the court system....it was a complete farce. We even made an official complaint to the courts. It took 6 months, eventually he was removed as the Defendand and the claim discontinued. So please please don't give up, and don't assume that the judge who looked at this case has a clue what they are doing.
Now, have they threatened to further enforce the CCJ with a charging order. If they have, their is another way to challenge the CCJ. The case law for this is Southern district finance vs Turner. She had had a CCJ from 1993, when she later applied for a set a side on the grounds that the agreement was unenforceable, the first judge dismissed her claim because of the amount of time that had lapsed. She appealed. The appeal judge said the 1st judge was wrong, if her case had merit CPR 3.9 and 3.10 allow the courts to 'overlook' errors of procedure as long as there is a good explanation for the error and there is merit in the underlying argument asked to be heard.
Here is the extract of his summing up
In effect, you can challenge the enforceability of the original CCJ if you are at risk of losing possession of your home.
The full extract is here. http://www.consumeractiongroup.co.uk/forum/showthread.php?202167-Help-with-N244-form-please.
Debbie xxx