You will receive a Claim Form from the Court, setting out what your creditor believes you owe them. You will either agree or disagree with the amount of this claim.
If You Agree with the Claim
You need to fill in the Admission Form (instructions on how to do this will come with the form). Your financial statement will help you do this as the Admission Form also asks for full details of income and essential outgoings. If you are already making payments on other debts or Court Judgements, you will have an opportunity to include them on the form.
and want to pay the full amount
If you can afford to settle the outstanding amount, you will need to do so within one month. If you fail to do this, the CCJ will be registered on the Register of County Court Judgments and it may affect your credit reference.
If you do pay the amount in full, your judgment will automatically be removed from the Register of County Court Judgments and credit reference agencies' databases. This could take up to 4 weeks. If the debt is paid off within one month of the judgment being entered onto the Register, it can also be cancelled.
and can't afford to pay the full amount
There will also be a section to make an offer of payment - it is important that you do make an offer, the most you can reasonably afford. If you don't make an offer and the court decides against you, it may say you must pay either the full amount or monthly payments.
Send the Admission Form back to the creditor within the time limit - if you don't meet the Court's deadline, they may order you to pay the whole amount at once.
If the creditor accepts your offer of payment, you will receive a Court Order to make payments to the creditor. If they do not accept your offer, the Court will determine what you should pay each month. If the debt is less than 50,000 pounds then this is done by post without you having to attend Court.
and can't afford what the court decides
You can ask the Court to look at your case again - a Redetermination. You must ask for this within 14 days of getting the Court Order. If you want to attend and make your case in person, ask for a Hearing on the Redetermination. This will usually take place in the District Judge's private rooms rather than in open Court.
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