This may be useful if you are applying for a mortgage, for example. Click here to search for your nearest County Court. Thanks; you've chosen to get debt help online. Please enter your details below so you can access our secure debt solution tool; PlanFinder, on the next screen. Talk to an adviser today Freephone including all mobiles Mon to Fri 8am-8pm Sat 9am-3pm. Listed below are some of the frequently asked questions and answers on CCJs. Which debts could lead to a CCJ?
What is your approximate level of debt? Get Started. Your name Please enter your name. How would you like to receive your debt help? Online Telephone. Final step. Email Enter a valid email address.
Telephone optional Please enter a valid phone number. Yes, you may leave a message on my phone. A third-party debt order can also be sent to anyone who owes the defendant money. If the defendant has a bank or building society account, the bank or building society will freeze the account when it receives the order from the court. If the account is overdrawn on the day the bank or building society receives your order, you cannot be paid from the account.
For more information about a third-party debt order, read EX — Third-party debt and charging orders — how do I ask for an order? A charging order prevents the defendant from selling their assets such as property, land or investments without paying what they owe you. You will not get your money until the defendant sells their assets.
In some circumstances you may be able to ask the court for an order to force them to sell their assets. A third-party debt order or a charging order can be complicated.
You should get advice from a solicitor or your local Citizens Advice. If the defendant admitted the claim and made an offer to pay before the judgment was made, you will already know something about their finances.
An order to obtain information is not a method of enforcing your judgment. This information can help you decide:. You will have to pay a fee for an order to obtain information. Although the court will add the fee to the money the defendant already owes you, the court cannot return what you have paid if your enforcement method does not succeed.
You can get more information about all these procedures online or from the staff at any County Court or Family Court hearing centre. However, the court staff will not be able to tell you which method of enforcement to choose. It is up to you to decide which one is the most likely to get you your money. You may be able to get free legal advice from a law centre, Citizens Advice, or a consumer advice centre.
Remember, this guide can only give you a general idea of what is likely to happen. It cannot explain everything about court rules and procedures. To help us improve GOV. It will take only 2 minutes to fill in. Cookies on GOV. UK We use some essential cookies to make this website work. Accept additional cookies Reject additional cookies View cookies.
If you have no money left over to pay the CCJ, you would probably benefit from some help with your finances. Answer a few quick questions to find out how we can help you. You apply for redetermination by writing to the court and enclosing a copy of your budget showing the amount you can afford to pay.
We have an example letter you can use to do this. If your original CCJ payment was decided by a court officer: When you apply for redetermination a District Judge will review your case and decide what the rate of payment should be, usually without a hearing.
To apply for variation, you need to fill in court form N This is similar to the N9A admission form you were sent when your creditor started court action, and you need to fill in details of your income, living costs and debts, and make an offer of payment.
Read our guide to completing the N form. This could take a few weeks. You may be able to get a CCJ cancelled if it should never have happened in the first place. This is known as ' setting aside a CCJ '.
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