What is a CCJ?
A County Court judgement (CCJ) is a court order that directs you to pay a loan or payment you owe towards a financial debt. It is just one of the actions your lenders can take, as one component of the debt collection process.
If you receive a County Court claim form, you have 14 days to respond. It is crucial to respond in the timeframe provided. If you do not, the court can order you to pay the financial debt back at a rate you cannot manage and this could cause more enforcement activity. It is also called ‘Judgement in default’.
You can only get a county court judgement in England or Wales. The court process that creditors use in Northern Ireland as well as Scotland works differently.
If you have received a County Court claim form, do not panic. If a lender has begun court action, you will need to manage it quickly. We can assist you.
Received a County Court Claim Form and need to discuss with the Debt Advisor?
Please call us at 0203 318 0990 to discuss your situation as well as book an individual FREE consultation ASAP.
You received a “Letter of Claim”
Prior to issuing a County Court Judgment, Your Claimant must send you a “letter of claim”. They should send you a “letter of claim” providing their intention to claim via courts and details of their financial claim.
If you recently received a letter of claim intent, do not panic. You have 30 days to react with a reply. Nonetheless, it is necessary to reply to the letter of claim within the timeframe offered, as your creditor can begin court action if you do not.
Reply to the Creditor
Complete the enclosed financial statement to make a deal of repayment (if you agree to the demand/debt).
If you cannot afford to pay the debt in full, let the creditor know you are seeking suitable debt advice.
Demand even more details from the creditor concerning the debt, if you require it.
If you and your lender/creditor/claimant can agree on a settlement plan from your feedback, court activity can be prevented.
Recognizing Northampton County Court (CCBC) and Various Other County Court Forms
Your financial institution needs to have written to you beforehand if they prepare to start court action. If the Consumer Credit Act you need to have received a default controls the DEBT, notification prior to court action can begin.
As soon as your creditor starts court action, the first you will generally know about it is when you receive claim forms from the court (Four Pages N9 Form). If this occurs, you need to work as quickly as feasible. This is why it is necessary to ensure your financial institutions have your current address and to open your post ASAP when you get it.
If you have actually received claim forms that appear to be from a court, check them against the claim pack. If they satisfy all of these points, you have actually received a ‘county court claim pack’, which indicates your lender has requested a County Court judgment (CCJ).
Information Regarding Forms
There are four forms consisting of the following main headings published at the top:
- N1 – Claim classification
- N9 – Response Pack
- N9A – Admission (amount specified).
- N9B – Counterclaim and Defence
They are generally published on white or blue-and-white paper, with the form name at the top and the claim number at the bottom right-hand edge.
The claim form, admission form and defence forms, all have the following in the leading right corner:
- The name of a court, mainly CCBC-Northampton,
- Your name
- The creditor’s name, and also usually their account number or reference number for the account/debt account.
- A ‘claim number’ identifies your case which has a detailed summary of your claim particulars, including claimant name, your name, court name and your account/reference number of the claims.
The N1 claim form will mention what you owe as well as typically include a section called “Particulars of claim”, which explains what the debt is all about.
If the forms you have received do not have all these functions, you should get in touch with the creditor or the court that sent it to you as well as inquiries regarding it. Or call us for our recommendations and further immediate help.
This was all about County Court Judgment and what steps you can and need to take in when you receive the County Court Claim Form. We also discussed what you can do when your creditor has initiated a County Court Judgement on you or any other kind of County Court Claim.
We are specialist debt advisors who help small businesses to individuals who have been struggling to repay their unsecured debts, including personal/business loans, credit cards, store cards, invoice bills and HMRC tax bills. We offer a range of suitable debt solutions to your needs. Our team ensures that we provide you with suitable and appropriate debt solution support throughout and let debt do not trouble you further.
Rajnish Tyagi is an experienced and Cert DR qualified debt advisor at Acme Credit Consultants Ltd, which specializes in offering suitable debt solutions to clients. He can be contacted via email at email@example.com
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