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"This is particularly important because of the length of time that the CCJ can remain on a consumer’s credit record before a claim is finally struck out at trial, often more than a year later"

I don't follow counsel's argument here. If the matter is proceeding to a trial then ipso facto the default judgment must have been set aside. If set aside, the judgment is not on the register as it's as if it never existed. If the judgment has not been set aside then the matter is hardly going to get a trial listing, is it.