How to proceed Day 27?

[Cynicalism]

wait to see

Hmm rang them to arrange monthly payment but they wanted either payment in full or through a tomlin order

She said something about my defense potentially being struck out etc ....

[Amethyst]

Your defence looks fine although you don't appear to mention a CCA request? certainly nothing in it to warrant being struck out. Ahhh could be your acknowledgement of service was late - the claim was issued on the 18th April - so last date to acknowledge should have been 5th May, and you didn't file that until the 14th May ? So they may have asked for default judgment between the 5th and 14th and hope to get your defence struck for that reason - seems unlikely as it's a month later and you had filed your defence on time. The other issue is that you didn't send any of the requests until a couple days before you filed your defence (on the 15th ) so they hadn't had time to receive and respond before the defence deadline, but again, it's a month later and those arguments are now perfectly valid and true as they haven't sent any of the documents still (presumably). So yes, as Mike says, wait and see what occurs.

If you didn't send a CCA request then do so now. Then you can add it to your defense later if necessary.

A tomlin order is the normal way to arrange a settlement by instalments without having a CCJ awarded against you. Did they give any figures on that or explain what one was at all? Have all your discussions about settling been made without prejudice ( have you made clear you are only trying to negotiate settlement because you want to avoid the court going to a judgment rather than making an admission of owing the debt? )