County Court JudgementA County Court judgment (CCJ) is a court order, which informs you to pay loan or payment you owe to a financial debt. It is just one of the actions your lenders can take as one component of debt collection process.
If you receive a County Court Judgement claim form, you have simply 14 days to respond. It is crucial to respond in the time frame provided, as 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 as ‘Judgement in default’.
You can only get a CCJ 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 Judgement claim form, do not panic. If a lender has begun court action, you require managing it quickly. We can assist you.
Received a County Court Judgement claim form and need to discuss with Debt Advisor?
Please call us on 0203 318 0990 to discuss your situation as well as book individual FREE consultation ASAP.
You received a “letter of claim”?
Prior to issuing a County Court Judgement, Your Claimant must send you 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 the 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 on your County Court Judgement
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 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 county court judgement 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 really starts court action, the first you will generally know about it, is when you receive claim forms 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 County Court Judgement 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).
County Court Judgement Forms
There are four forms consisted of, with the following main headings published at the top:
- N1 – Claim type
- N9 – Response Pack
- N9A – Admission (specified amount).
- N9B – Defence and counterclaim.
They are generally published on white or blue-and-white paper, with the form name at the top and the claim number in the bottom right-hand man edge.
The claim form, admission form and defence forms, all have the following in the leading right corner:
- The name of a County Court Judgement whats 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’ which identify your case which has detailed summary of your claim particulars, including claimant name ,your name ,court name and your account/reference number of the claim.
- The N1 claim form will mention what you owe as well as typically includes 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 inquire regarding it, or call us for our recommendations and further immediate help.
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