Do you have a copy of your completion statement from the sale of the property? If not, write to Skipton and ask for one to be sent without delay. See your solicitor and ask him to put in a holding defence for you. Its possible that you can go to court and explain that this isn't a simple case and can you have more time to submit a defence please. The courts will usually agree to this.(posted 8540 days ago)Read through this website thoroughly, you will see the sort of information you need to get hold of.
Having already received a summons, can in some way be seen as a blessing. If the Skipton mess you around with documentation that you ask for - the Courts won't be pleased. Once you start digging, hopefully the Skipton will pull out and negotiate a much smaller amount.
Good luck. Come back to the board if you need help.
Pendle