Received A Court Judgment

Received A County Court Judgement (CCJ) Form Letter- Learn How To Respond To A County Court Claim

What Is A CCJ?

A County Court judgment (CCJ) is a legal directive instructing you to repay a loan or outstanding financial debt. It’s part of the process your creditors may pursue to collect what you owe.

Upon receiving a County Court claim form, you must respond within 14 days. Timely response is essential. Failure to do so may result in a court-ordered repayment schedule that exceeds your ability to manage, potentially triggering further collection actions. This scenario is also known as a ‘Judgment in default’.
County Court Judgment

You can only obtain a county court judgment in England or Wales; the court process creditors use in Northern Ireland and Scotland operates differently.

If you’ve received a County Court claim form, there’s no need to panic. If a lender has initiated court proceedings, it’s essential to address it promptly. We’re here to help.

CCJ (County Court Judgement)

Received A County Court Claim? 

What Should I Do If I Receive A County Court Claim Form? 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”

Before a County Court Judgment is issued, the claimant is required to send you a “letter of claim,” outlining their intention to pursue the claim through the courts and detailing the financial aspects of their claim.

If you’ve recently received such a letter indicating an intent to claim, there’s no need to panic. You’re given a 30-day window to respond. However, it’s crucial to reply within this timeframe, as failing to do so could prompt your creditor to initiate court proceedings.

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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 should have informed you in writing before initiating court proceedings, especially if they are governed by the Consumer Credit Act and the debt falls under default controls. When court action begins, you usually become aware of it when you receive claim forms from the court, typically a four-page N9 form. In such a situation, it’s crucial to act promptly. Therefore, it’s important to ensure that your financial institutions have your current address and to promptly open and review your mail.

Upon receiving claim forms that appear to be from a court, compare them with the claim pack. If they meet all the necessary criteria, you’ve received a ‘county court claim pack,’ indicating that your lender has applied for a County Court judgment (CCJ).

Details Regarding CCJ Forms

The four forms bear the following main headings at the top:

N1 – Claim classification
N9 – Response Pack
N9A – Admission (amount specified)
N9B – Counterclaim and Defence
These forms are typically printed on white or blue-and-white paper, displaying the form name at the top and the claim number at the bottom right-hand corner.

The claim form, admission form, and defense forms all feature the following in the top right corner:


  • The court’s name, usually CCBC-Northampton
  • Your name
  • The creditor’s name, often with their account number or reference number
  • A ‘claim number’ that uniquely identifies your case, containing details such as the claimant’s name, your name, court name, and your account/reference number related to the claims.
  • The N1 claim form outlines your debt and typically includes a section called “Particulars of claim,” which explains the nature of the debt.
  • If the received forms lack any of these elements, contact the creditor or the court for clarification. Alternatively, seek advice and immediate assistance from us.

In Conclusion

This covers the basics of County Court Judgment and the necessary steps when you receive a County Court Claim Form. We’ve also discussed what to do when your creditor initiates a County Court Judgment against you or any other type of County Court Claim.

As debt advisors specializing in assisting small businesses and individuals struggling with unsecured debts, we offer a variety of debt solutions tailored to your needs. Our team ensures you receive appropriate support throughout, minimizing the impact of debt-related issues.

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  • Rajnish Tyagi

    Rajnish Tyagi possesses certification as a qualified debt advisor and specializes in writing about debt management and related topics. His aim is to assist individuals in comprehending and effectively managing their debts and credit issues. Additionally, Rajnish Tyagi holds the position of managing principal at "Acme Credit Consultants Ltd," an FCA regulated firm that provides tailored debt solutions to both individuals and businesses facing financial challenges.

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