This appeal is from an Order of the District Court, denying a motion to set aside a default judgment. We affirm.

The plaintiff filed a complaint alleging a claim under the Fair Credit Reporting Act, 15 U.S.C. §§ 1681-16811 On the date of service of the complaint, Moore, the president of the defendant corporation, wrote the following letter to plaintiff’s counsel:

Moore sent a copy of this letter to the Clerk of the District Court of Hawaii. 1

On the following day, plaintiff’s counsel responded to Moore’s letter, writing:

Within a week, Moore wrote this reply:

Plaintiff’s counsel acknowledged receipt of Moore’s second communication and reiterated her previous warning that an attorney *368 be secured and a timely answer filed in order to avoid default.

Although the defendant had an attorney representing its interests in other litigation at about this time, the defendant failed to heed the advice of plaintiff’s counsel, whereupon the plaintiff formally secured a default judgment. The day after receiving a summons of garnishment, the defendant, through counsel, moved to set aside the default judgment and to quash the summons. Fed.R.Civ.P. 60(b). At the hearing on the motion, the plaintiff did not resist by forecasting prejudice should the judgment be vacated, nor did the defendant plead mistake or excusable neglect. Rather, debate centered solely upon the alleged failure of the plaintiff to comply with the notice requirements of Fed.R.Civ.P. 55(b)(2), which, in pertinent part, provides:

The District Court, unconvinced that the defendant deserved relief, denied the motion.

Here, our sole function is to determine whether the district judge abused his discretion in refusing to set aside the default judgment. We are mindful that the discretion of a District Court to deny a 60(b) motion to vacate is tempered by three significant considerations of policy:

Schwab v. Bullock’s Inc., 508 F.2d 353, 355 (9th Cir. 1974).

In Schwab, supra, we held that the relevant policy considerations should have induced the District Court to grant the motion to vacate. The court had assumed that the defendant had a meritorious defense. Furthermore, the plaintiff introduced no evidence that it would be prejudiced if the court granted the motion. Nevertheless, the court denied the motion based upon its finding that an officer of the corporate defendant knew about the pendency of the action. We reversed because the paucity of evidence raised considerable doubt in respect to such crucial knowledge.

As in Schwab , of course, the plaintiff here did not complain that granting the motion would be prejudicial; moreover, we assume arguendo that the defendant had a nonfrivolous defense as set forth in Moore’s first letter. But there is no doubt whatsoever that the defendant had knowledge of the initiation of this litigation. Nor, as mentioned, did the defendant have any other acceptable justification, such as inadvertence, mistake or excusable neglect, for the failure to defend responsively and legally. Thus, for the moment ignoring the impact of Moore’s two letters, it would appear that the trial court acted well within its discretion in refusing to set aside the default judgment.

Moore’s informal communications to plaintiff’s counsel did not improve the defendant’s posture such that the District Court was compelled to reach a contrary result.

No party in default is entitled to 55(b)(2) notice unless he has “appeared” in the ac *369 tion. The appearance need not necessarily be a formal one, i. e., one involving a submission or presentation to the court. In limited situations, informal contacts between the parties have sufficed when the party in default has thereby demonstrated a clear purpose to defend the suit. E. g., H. F. Livermore Corp. v. Aktiengesellschaft Gebruder Loepfe, 139 U.S.App.D.C. 256 , 432 F.2d 689 (1970). See generally 6 J. Moore, Federal Practice ¶ 55.05[3] 1976; 10 C. Wright & A. Miller, Federal Practice and Procedure § 2686 (1973); Annot., 27 A.L.R.Fed. 620 (1976).

The failure to provide 55(b)(2) notice, if the notice is required, is a serious procedural irregularity that usually justifies setting aside a default judgment or reversing for the failure to do so. 6 J. Moore, supra; 10 C. Wright & A. Miller, supra, § 2687. Although written notice is contemplated, it need not necessarily be in any particular form. “The major consideration is that the party is made aware that a default judgment may be entered against him.” 10 C. Wright & A. Miller, supra, § 2687 (Supp.1977).

In Livermore, supra, the benchmark case in respect to Rule 55(b)(2), the parties, following service of the complaint, engaged in written and oral settlement discussions for seventy-five days before the plaintiff, without indicating any previous intent to do so, filed a motion for default judgment. The court observed that the defendant’s attempts to achieve a settlement demonstrated a clear purpose to defend the suit and that there were no indications that it would not have proceeded diligently to file an answer upon notice that compromise negotiations, suggested initially by the plaintiff itself, had failed. Accordingly, the court reversed the District Court’s denial of the motion to vacate the default judgment. See also Kinnear Corp. v. Crawford Door Sales Co., 49 F.R.D. 3 (D.S.C.1970); Dalminter, Inc. v. Jessie Edwards, Inc., 27 F.R.D. 491 (S.D.Tex.1961). Compare Port-Wide Container Co. v. Interstate Maintenance Corp., 440 F.2d 1195 (3d Cir. 1971), wherein the court upheld a denial of a motion to vacate upon facts resembling those in Livermore except that the plaintiff warned the defendant to file an answer by a specified date or else suffer a default.

The appellant argues that the Liver-more decision indicates that reversal is appropriate here. We do not agree. Moore’s first letter is partially responsive to the allegations set forth in the complaint, but the absence of any course of settlement negotiations and, of more significance, plaintiff counsel’s two-barreled warning to the defendant to secure counsel and to file an answer in the action in order to avoid a default markedly and fully distinguish Livermore from the facts sub judice 3 We are unwilling to hold that Moore’s “informal contacts” constituted the equivalent of a formal court appearance requiring strict 55(b)(2) notice in circumstances such as these, where the plaintiff’s “informal contacts” provided actual, unqualified notice that delay in answering the complaint would result in default. 4

*370 Accordingly, we are left only to review a discretionary act of the District Court. There is every indication that the court considered the matter carefully 5 and conscientiously. No manifest abuse of discretion having been demonstrated, the judgment is

AFFIRMED. 6

. Obviously, this did not meet the formal appearance requirements specified by Rules 10 and 11, Fed.R.Civ.P.

. There are obviously circumstances under which a District Court might properly decide that a layman was entitled to believe that such communications sufficed as a formal answer and appearance in the action. See, e. g., Kinnear Corp. v. Crawford Door Sales Co,, 49 F.R.D. 3, 5 (D.S.C.1970); Dalminter, Inc. v. Jessie Edwards, Inc., 27 F.R.D. 491, 492 (S.D. Tex. 1961). Here, however, the District Court decided that the defendant deserved no such indulgence, and, while we, of course, do not sit as fact-finders, we agree. It is apparent from both of Moore’s letters that he is articulate and not unsophisticated in affairs of business. The fact that counsel was employed in connection with other litigation pending at about the same time (see Telecheck Franchising, Inc. v. Moore & Associates, Inc., No. 75-0179 (D.Hawaii May 7, 1976)) suggests that Moore or another of the corporate managers was aware of orderly court procedures required in the event of the receipt of a summons and complaint.

. Nor does the decision in Magette v. Daily Post, 535 F.2d 856 (3d Cir. 1976), recently brought to our attention by the appellant, strengthen its appeal. There, the defendant formally appeared in the action by filing an answer.

. The adversary process was disrupted because the appellant, in the face of explicit warnings to file an answer, refused to be responsive, as orderly judicial procedures should, and do, require. “In that instance, the diligent party must be protected lest he be faced with interminable delay and continued uncertainty as to his rights.” Livermore, supra, 139 U.S.App.D.C. at 258 , 432 F.2d at 691 .

The impact of a contrary result on the discretion of district court judges is apparent. Courts would be compelled to vacate default judgments whenever a defendant communicates with the plaintiff — even by telephone— following receipt of the complaint regardless of the plaintiffs response thereto. Quite apparently, this would tend to subvert the orderly administration of justice. While we have “outgrown the primitive stage of formalism,” reasonable formalistic requirements are an essential ingredient of efficient court management and operation.

. We note that the plaintiff originally secured a default judgment in the amount of $5250 plus approximately $579 for attorney’s fees and costs. The District Court subsequently vacated this judgment sua sponte because the damages were not liquidated. The court then conducted a hearing directed to the amount of the plaintiff’s damages, without notice thereof to the defendant, however, and entered a new judgment in the reduced amount of $750 general and punitive damages, plus approximately $739 for attorney’s fees and costs. The record reveals that the court was aware of Moore’s first letter, and had read the letter, at the time the damages were finally measured and fixed. Moreover, the appellee’s attorney had submitted copies of the correspondence between her and Moore to the District Court. This correspondence, except for Moore’s first letter, which the District Court had already seen, was included as a part of an affidavit submitted in support of the appellee’s motion for a default judgment.

. Our dissenting Brother Wright comments that the plaintiff’s attorney took “advantage of a layman opponent whom she knew had a meritorious defense.” The record does not support the observation that either plaintiff or her counsel had taken advantage of anyone, and the existence of a “meritorious defense” is speculative.