They can only apply to get it set aside and challenge it IF they did not run up the debt. Then they can apply to get their file updated if they win the case.
They can pay it off in full and get it to show SATISFIED but even in this instance it will remain on their CF for a period of 6 years.
As regards the query, I would either go down the home route or pay in advance. All mentioned above.
Hope that helps.
Regards
Daren
Source: http://www.ukbusinessforums.co.uk/forums/showthread.php?t=282417
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