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Hi Alice. The claim is for a sale of the under value of a previous property. That property was repossessed and sold. I was not informed until almost two years later that it had been sold at a shortfall. That shortfall has formed a default judgment and then a charging order, (all unbeknown to me) and that charging order has resulted in the loss of our home. I also never received the charging order and did not get an opportunity to challenge it because the Claimants have serially mis served me to the wrong address. They have now filed their defence 4 days out of time and I have had enough.