Varying a CCJ using form N245
Varying a CCJ means asking the court to change the instalments if they’re too high.
You can apply for variation at any time if your circumstances change, but there’s a court fee of £14 to do this.
If you’re 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?
To apply to vary a CCJ, you need to fill in court form N245. This is similar to the N9A admission form you were sent when your creditor started court action.
You’ll need to fill in details of your income, living costs and debts, and make an offer of payment.
You can use form N245 to apply for a varying of your CCJ if:
- you didn’t reply to the claim form
- you replied admitting the claim, but didn’t make an offer to pay
- you replied admitting the claim, and the creditor accepted your offer of payment, or,
- you defended the claim but lost
How do I complete form N245?
You use the N245 form to explain what you can afford to pay, based on your household’s income and 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.