Judgment received

What to do when you receive a CCJ claim form

While receiving a CCJ is terrifying, it should not be an unforeseen development. The Consumer Credit Act requires creditors to send a default notice at least fourteen days before court action. Furthermore, warning letters are likely to have been sent before the fourteen days. This period is crucial because you can use it to avoid court altogether and arrange a repayment plan with the creditor.

 

Receiving the judgment

If you are unable to make a repayment plan then the matter will proceed to court where the judge will decide on your liability for repaying the debt. The court may instruct you to pay the debt all at once or allow you to pay over a period. If you do not respond to the court your ability to pay at once will be assumed. 

 

How to respond to the claim

If you receive a letter or notice regarding court action, it is highly suggested that you take immediate advice and action. There are usually three possible avenues open to you.

1. Admit the claim, contact the creditor and pay it in full, then they will withdraw the claim;
2. Seek to have it struck off; or
3. Admit the claim but ask the court to approve an affordable repayment plan

 

How we can help

Our primary focus is always to protect our client's interests, for clients who have had a judgment made against them we would typically refer them to one of our excellent third-party independent financial advisors who can put forward a repayment solution to the court. Please note we make no commission from these referrals but do need clients to open a case so that we can prepare a financial brief for them. To gain our assistance you need to open a case, this is done by simply clicking on the link at the top of the page, you will then need to deposit a sum equal to one hour’s usage, upon receipt of these funds you will be assigned your personal caseworker who will telephone you to discuss the matter and make suggestions on how to proceed.

Please note your caseworker can only give generic advice, their role is to both prepare your details for handling by our appointed financial advisor who will present the financial proposal to the court and to act as your point of contact, they will also issue you with your Password and PIN, these will be needed to log onto your client dashboard. From your dashboard you will be able to manage and view every aspect of your case, upload documents, images, files etc.