Has anyone had one of these and if so, how have you dealt with it?

work have auto enrolled me in pension and Aviva won’t allow me to opt out as I’m out of the 30 day window but due to postal issues, I received the letter 6 weeks past the date. Has anyone else experienced this and is there anything I can do?

Lowell and a couple of other creditors have submitted a CCJ. I have since had court officials at my old address but I’m concerned they may try and deduct from earnings. Can anyone help?