An oral examination is not a certainty, but is a good way for a lender to find out what assets the debtor has and the best way to collect that debt. In your case, the Bristol & West have not gone for oral examination.(posted 8215 days ago)You can get an AOE suspended if you agree to pay the amounts yourself on a regular basis. This has been done before where the debtor has claimed that they could lose their job if the AOE was enforced.
I would strongly suggest that you see a solicitor. If the B&W haven't supplied the docs to substantiate their claim then it seems that you have a good case in getting the judgement set aside.