CCJ (County Court Judgements) In The UK

April 15th, 2011 | Posted in Credit Card Debt

If you are worried about debt then you may need information about CCJs. If for any reason you owe one or more companies money and do not pay this as agreed they can apply for a CCJ asking for a judge to instruct you to pay.

A judge processes any complaint that may be filed and send you detail of the company who is applying for a CCJ against you and how much they are asking you to repay. A Claim Form must be completed detailing this information and you should use this to explain why you have not been making repayments or even to dispute the amount of the claim.

An Admission Form must also be completed which will include your incomings and outgoings and this will be reviewed and taken into consideration when the judgement is made as to how much you will have to pay and how often. If you are indebted to the full sum then you can use the Admissions Form to make an offer of a repayment scheme that you can afford which will be considered by the creditor and the judge. If the offer is not accepted the judge may decide what monthly payments should be made or even that the debt is to be paid back in full.

If your forms are not returned within the stated time, usually 14 days, then a Forthwith Judgement may be applied which will demand that the full amount is repaid in full.

If a CCJ is enforced but you cannot afford the repayments it is possible to apply for a Redetermination to reduce the sum. You can do this by contacting the court that dealt with your case within 14 days of the judgement and a small fee will apply.

In some cases, a judge may combine one or more CCJ that have been issued to the same person and request just one payment that can be spread amongst that individual’s creditors. All payments are to be sent to the company directly or to an appointed solicitor or lawyer. Agree an appropriate method to make the payments with the creditor which will provide proof of each amount paid.

A CCJ will remain on Register for at least six years which may have a detrimental effect on your credit rating which is used by other companies when considering any applications for credit. Only if full repayment is made within 1 month can you apply for it to be removed from the register.

You can find more CCJ information at Payplan.com which may be very useful in the case of you having an excess credit card debt which you cannot pay.