To find out if you have had a county court judgement (CCJ) made against yourself, you would first receive a letter from a creditor. The letter would state that a county court claim has been issued to you. This would detail an amount of money owed by you to the creditor. When this happens the court will decide on the validity of the claim. It could be that they deem that there is no debt that needs fulfilling. If they find evidence that the claim is just then a plan will be worked out for the repayment.
In this event there will be a time limit set for the repayment to be made. If the payment is made in full in this period then you can avoid any judgement being passed against you. The court will send you a claim form, which shows the amount owed and all details of the claim. The form gives an opportunity to explain what the situation is to the court. You need to use the form to show your incomings and outgoings. You can then indicate on the form a desire to pay the full amount in one sum or to indicate a repayment scheme that would suit you. Alternatively you can state on the form that the amount that is being claimed is too great and can therefore indicate the actual amount.
If you do not make an offer on the form, or the amount you suggest is denied by the creditor and court, then the court can order you to pay the full amount straight away or as instalments. From the date on the postmark you will have 16 days to send the payment back to the creditor.
In this event there will be a time limit set for the repayment to be made. If the payment is made in full in this period then you can avoid any judgement being passed against you. The court will send you a claim form, which shows the amount owed and all details of the claim. The form gives an opportunity to explain what the situation is to the court. You need to use the form to show your incomings and outgoings. You can then indicate on the form a desire to pay the full amount in one sum or to indicate a repayment scheme that would suit you. Alternatively you can state on the form that the amount that is being claimed is too great and can therefore indicate the actual amount.
If you do not make an offer on the form, or the amount you suggest is denied by the creditor and court, then the court can order you to pay the full amount straight away or as instalments. From the date on the postmark you will have 16 days to send the payment back to the creditor.
