What to do when you receive a CCJ claim form letter
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 you can use it to avoid court altogether and arrange a repayment plan with the creditor.
Receiving the judgment
If you are unable to avoid court, the court will decide on a judgement for payments. The court may instruct you to pay the debt all at once or allow you to pay in instalments. This is based on the details included in your admissions claim. If you do not respond to the court, admission and 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 vital 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 (see our section on how to do this); or
3 – Admit the claim but ask the court to approve an affordable repayment plan
How we can help
Lestons has substantial experience in negotiating on your behalf with the creditor to develop a repayment plan best suited to you. We would be delighted to assist you in a complete review of your financial situation, checking that you are on all the benefits you are entitled to and so on, we would then seek to negotiate terms to try and create a solution that would be acceptable to your creditor to arrange a repayment solution and avoid court involvement being required. Should you wish for our assistance then just create a case using the link at the top of the page.
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