County Court Judgement (CCJ)

How can I deal with County Court Judgements (CCJs)?

It can be painful to receive a County Court Judgement (CCJ) letter. While painful, some people can use situations like these to face up to serious debt problems and help solve them for good.

If you are worried about a CCJ, you can pick up the phone and call us for free advice on 0800 731 7973 or click here to use our enquiry form.

After 'County Court' action begins, the court may issue an order stating that you must repay the debt. This is called a CCJ and will either be for the amount agreed between you and your creditor or, if an agreement is unable to be made, a payment that has been deemed appropriate by the court. If you have judgments from more than one creditor, the court can combine your debts and make an 'administration order' - this states you must make a single payment every month to be shared by all your creditors.

 Note: If you have received a County Court Judgement form, it is essential you reply to the claim form within 14 days from the date it was served:

• If delivered or left at your address, the date of service will be the day after it was delivered.
• If it was handed to you personally, the date of service will be the day it was given to you.
• If sent by post the date of service is taken as the second day after posting (refer to post-mark)

A leaflet is available from the Court Office explaining what happens when you come to a court hearing. The pack will arrive and include two forms: ‘Admission’ & ‘Defence’.

Please call 0800 731 7973 or click here for help with your debts.