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The thing is Rufus, how would you prove it? A declaration signed electronically by the debt team leader of ABC Financial Services PLC, supervised by a a paralegal with 18 months experience is hardly worth the paper it's written on.

I think the solution is:-

1. No CCJ registration of small debts under £500 to stop the water bills, mobile contracts and parking tickets

2. The £255 fee for a set aside application is frankly ridiculous.

3. Deemed service rules are stupid, and contravene Article 6 ECHR. Either a document has been served on a person by bringing it to their attention, or it has not. For that reason a default judgment should be set aside without further ado where the defendant's address is not that on the claim form.

4. Despite the Practice Direction to CPR part 3 having said since they were published in 1998 that claims that say no more than 'money owed £5000' should be struck out, I'd hazard a guess that well over 80% of all MCOL SDT claims give no more detail than that. There should be a process for such claims to be reviewed and struck out automatically (without a lengthy and disproportionate application for summary judgment).

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