Hoist Finance Judgment for Claimant

[Flopf]

Can anyone help please.

I have today received Judgement for Claimant (in default) from the County Court Business Centre, Northamptonshire.

I received a Claim form on 02 December 2020, which I acknowledged saying I disputed owing the full amount.
I sent recorded delivery letters to Hoist Finance asking them to send me copy of agreement under the Consumer Credit Act 1974, I did enclose a £1 postal order.
I sent a separate recorded deliver letter to Hoist Finance, telling them I require inspection of documents you mention, including Regulated consumer credit agreement / default notice and notice of assignment.

I can see from Royal Mail tracking website, both letters were signed for by Hoist Finance.

They did not respond to me at all.

Today I have received Judgment for Claimant (in default) from County Court Business Centre, saying as I have not replied to the claim, I must therefore pay the claimant £4703.17 plus £290 for costs = £4993.17 herewith.

I did go through a very bad time over 10 years ago, I am unsure if this relates to a debt from then which is over 6 years old, so I am assuming this is statute barred.

There is a note to defendant. If you did reply to the claim form and believe judgment has been entered wrongly in default, you may apply to the court office giving your reasons why the judgement should be set aside.

Could anyone please advise how I do this and what I should write on the form please.

I am going out of my mind, so any help would be greatly appreciated.

Thank you.

[ostell]

Did you send in your defence to the court within the 28 days?

[Flopf]

Thank you for your reply.
I acknowledged and said I disputed the whole amount. I sent letters recorded delivery to Hoist Finance as mentioned in original post. They did not reply, despite proof they have received them.
I thought the court would contact me, I did not understand correctly, I thought I had defended myself as I had sent for documentation from Hoist Finance and advised the court of my intention to do this.
This is the first correspondence I have received since sending the letters and filling the information online that I disputed the claim.
Many Thanks

[ostell]

You are required to send your defence to the court after acknowledging. The court do not contact you.

[Flopf]

Thank you.
I totally misunderstood this, it is only now I realise I should have done this. My mental health was in a bad place, I had to seek Medical advice and medication for this.
so my understanding was not as good as it should have been.
is there anything I can do?
Any advice would be greatly appreciated.
Many Thanks