Varying a CCJ using form N245
Varying a CCJ means asking the court to change the amounts you pay if they are too high.
You can apply for variation at any time if your circumstances change. But there is a court fee of £14 to do this.
If you are on a low income, you may be able to get this done for free.
You can apply for help in paying the court fee online and find out if you qualify.
How do I apply to vary a CCJ?
Fill in court form N245.
This is similar to the N9A admission form you got when your creditor started court action.
You need to fill in details of:
- Your income
- Living costs
- An offer of payment
You can use form N245 to apply for a varying of your CCJ if:
- You did not reply to the claim form
- You replied admitting the claim, but did not make an offer to pay
- You replied admitting the claim, and the creditor accepted your offer of payment
- You defended the claim but lost
How do I complete form N245?
Explain what you can afford to pay based on:
- Your household income, and
- Your household spending
The main sections of the form are the same as the N9a County Court form.
Watch our video for a step-by-step guide to completing the N9a form.