My wife has a court claim against Aquacard for charges, their date for AOS was 15th Feb so she requested judgement and it was issued 16th Feb, today received a defence from SCM that has been issued on 23rd Feb 7 days after the deadline, what is the chance that they will get the judgement set aside, also the defence is the usual drivel and a typical "fold before court" what would be the situation as wasted costs if they apply for a set aside and then settle before court?