Helpful tips on County Court Judgments (CCJs)

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The term County Court Judgment or as it is more commonly referred to as a CCJ
is a request for payment between the individual that obtained credit and the lender which can be either a business or private individual/sole trader.

Notification of intended action from the lender or creditor is usually submitted in writing advising that they will be making a County Court Claim with which the individual has fourteen days to respond to the Court outlining the reasons for the current situation.

So how does A CCJ actually work?

The Court will issue the individual with an Admission form requesting that they attend the hearing or simply return certain information like income and expenditure and the amount the individual is willing to repay. It is worth noting at this point that it is down to the sole discretion of the Court to decide if the claim is fair or valid and whether the individual should have to repay the debt and if so, arrange terms to suit both parties. Failure to reach an agreement will result in the Court imposing their repayment terms and once the proceedings have been concluded the Court has the power to issue the CCJ to enforce repayment of the agreed amount per calendar month.

Multiple County Court Judgments?

If an individual has multiple Judgments the Court has the ability to combine the total outstanding debt under an Administration Order ensuring an agreed amount per calendar month is equally divided among the different lenders or creditors in question. Responding to the Claim form… more information