CCJ

What is a CCJ?

A CCJ (County Court Judgement) is a judgment that a county court issues when someone has failed to pay money that they owe. CCJs are a simple way for creditors to claim the money they're entitled to.

The facts of CCJs

When you owe money to someone, they can apply to the County Court for a County Court Judgment (CCJ) against you to claim the money. The Court will decide whether there really is a debt to pay. If there is, they will issue a CCJ. This will set out how the debt should be repaid.

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Court forms

When someone takes a County Court action against you, you'll be sent a CCJ Claim Form. This court form will explain how much the creditor says you owe them.

You're also sent an Admission Form. Don't ignore this form - send it back within 14 days. If you're late, the CCJ may be issued anyway in a default judgment. This form is your chance to put your side of the story before the CCJ is decided on.

Your options

You have 5 options:

Pay in full You can choose to pay the amount in full straight away (plus any interest and court fees shown). If you do, you don't need to send the forms back. There won't be a court hearing and you won't have a CCJ recorded against you.

Ask to pay later or in instalments If you want to offer to do this, fill out the form saying how you'd like to pay. A CCJ will be issued.

Dispute the amount owed If you think you owe less than is claimed, send the forms back explaining why. You should pay what you think you owe straight away or ask for time to pay. The Court will decide who is right - you or the creditor. If it's the creditor, they'll issue a CCJ against you.

Dispute the claim If you don't think you owe anything, return the Defence Form to the court, setting out your side of the argument. You can ask for more time if you fill out the 'Acknowledgement of Service' form.

Claim against the creditor You might think you're owed money instead (if a builder sues you for non-payment, say, but you think he owes you money for breaching the contract). You'll need to fill out the counterclaim form (there may be a fee to do this - ask the Court).

Can debt solutions help me get out of debt?

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We will complete a FREE 20 minute fact find with you to work out what your earning and spending and this will let us know how much you can afford to pay to your creditors and also which debt solution is best for you to help you get out of debt. You are under no obligation but I am sure you will be 100% happy with what out debt advisors can do for you and we have the lowest debt managenent fees in the industy

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