Firstly, don’t panic. If a creditor has started court action, you need to deal with it straight away. However, we can help you.
Importantly, you need to double check that what you’ve received is definitely from a County Court. Does your form match all three points in our checklist?
- There's a royal crest and the title 'Claim Form' in the top left hand corner
- There’s a court stamp or 'seal' and the name of a court in the top right hand corner
- 'N1' is printed in the bottom right hand corner
If all of these things are shown then you’ve received a County Court claim form. This means your creditor has asked for a County Court judgment (CCJ) which will order you to pay back the debt.
If the form you’ve received doesn’t have all three of these features you should contact the creditor or the court that sent it to you and ask them about it, or contact us for advice.
What is a County Court judgment?
A County Court judgment (CCJ) is a court order sent by a County Court to collect money you owe on a debt. It’s one of the actions your creditors can take in the debt collection process.
If you receive a CCJ you have 14 days to respond. It’s important to respond in the timeframe given, as if you don’t the court could take further action to collect the debt.
You can only receive a CCJ in England or Wales. The process that creditors use in Northern Ireland and Scotland works differently.