I have been served with a statement of claim, what should I do?

If you have been served with a statement of claim you should act promptly.

You have 28 days from the date of service of the statement of claim to file a defence. If you do not file your defence within 28 days, the plaintiff can apply for default judgment. If default judgment is entered against you, the judgment will be recorded on your credit report and the plaintiff can take steps to enforce the judgment against you, unless it is set aside.