Kiteleys Solicitors

Kiteleys Solicitors. 7 St. Stephen's Court, 15-17 St. Stephen's Road, Bournemouth, Dorset. BH2 6LA. Telephone 01425 278866.
Kiteleys Solicitors is the trading style of Kiteleys Solicitors Limited registered in England and Wales, registered number 03113721. VAT Registration No: 658 8813 79.
This firm is authorised and regulated by the Solicitors Regulation Authority. A list of directors is available for inspection at our registered office.

County Court Judgments

  • Call us now on 01425 278866
    • Kiteleys Canford Cliffs 01202 708634
    • Kiteleys Highcliffe 01425 278866
    • Kiteleys Southampton 02380 909091
    • Kiteleys Wimborne 01202 849242
    • Kiteleys Ferndown 01202 875646
    • Kiteleys West Moors 01202 863933
    • Kiteleys Boscombe 01202 393506

County Court Judgments (CCJ’s)

 

A county court judgment (CCJ) may be issued against you if someone takes court action saying you owe them money and you do not respond.

 

If you receive a county court judgment the court has determined that you owe the money. You will receive the judgment through the post and it will include the following:

  • The amount you owe
  • How to pay
  • Deadline for making payment
  • Who to pay

Judgments are kept on record for six years unless you satisfy the full amount within one month. Any judgments held on record against you can affect your credit score rating.

If you do not owe the money

If you dispute that you owe the money you can apply to the court to have the judgment set aside, you can only do this if you did not respond to, or receive the original claim form from the court.

 

To apply to have the judgment set aside you must complete Application Notice N244 and send it to the court along with the court fee which is currently £155. This form can be found at www.hmctsformfinder.justice.gov.uk.

 

A hearing will be arranged for you to explain why you believe you do not owe the money. Should you not attend the hearing your application will be rejected and you will have to pay the amount stipulated in the judgment.

 

If you do owe the money

The judgment will include the details to whom you need to make payment. This could be a person, or business, or their solicitor.

 

It is a good idea to keep a record of your payments and to make sure that you can prove you have made a payment. For example, paying by bank transfer or cheque.

 

If you are satisfying your judgment by paying in instalments you should ask the person or business the best way to pay them.

 

Should you be late with nay of your payments you will be taken back to court and extra charges may become payable.

 

Asking to change the amount you pay

You can ask the court to change the amount you pay per week or month. You can do this by filling in the N245 Application Form and sending it to the court with a court fee which is currently £50. You can find this form at www.hmctsformfinder.justice.gov.uk.

 

The form will ask you to detail your income and expenditure, and to give a figure which you realistically think you can afford to pay.

 

It is not guaranteed that your request will be accepted. If your offer is rejected the amount you have to pay will be determined by the court.

 

Bailiffs

The person or business you owe money to may apply to the court for a warrant allowing a bailiff to visit your property and take goods to the value of the judgment.

 

Prior to the visit from the bailiff you will be given a further seven days to make payment. You may be able to stop the bailiff visiting by completing the N245 Application Form which can be found at www.hmctsformfinder.justice.gov.uk.

 

The Application Form allows you the opportunity to state how you will satisfy the judgment, for example by monthly or weekly payments. If your Application is accepted the warrant will ceases, providing you adhere to your payment schedule.

 

How county court judgments affect your credit rating

A county court judgment will remain on the Register of Judgments, Orders and Fines for a period of six years.

 

The information from the Register is what banks and loan companies use when determining whether to give you a loan or credit.

 

If you satisfy the judgment debt within one month you can get the judgment removed from the Register. If you pay after the one month you can have the judgment marked as satisfied on the Register.

 

The judgment will still remain on the Register for six years but anyone who searches the Register will see that it has been paid.

 

Once you have paid you will need to inform the court, sending proof of payment and the court fee which is currently £15.

 

 

Kiteleys Solicitors can take you through the process of contesting a CCJ or amending a CCJ. We can take care of the whole process for you from start to finish or simply assist you with completing the correct application notice.

Should you wish to discuss any of the above please do not hesitate to contact Kiteleys Solicitors on 01425 278866.

 

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Kiteleys Solicitors. 40 Haven Road, Canford Cliffs, Poole, Dorset. BH13 7LP. Telephone 01425 278866.
Kiteleys Solicitors is the trading style of Kiteleys Solicitors Limited registered in England and Wales, registered number 03113721. VAT Registration No: 658 8813 79.
This firm is authorised and regulated by the Solicitors Regulation Authority, SRA ID 401309. A list of directors is available for inspection at our registered office.