Please note that if the other party is unemployed or bankrupt you are unlikely to get your money back. If your claim is successful yet the defendant does not pay up you may have to fork out for an extra fee towards enforcing the judgment via bailiffs or other options.
Money or do not respond you can get the court to order them to pay without a hearing.
How long does it take to get a ccj issued. A county court judgment ccj can negatively affect your ability to get credit for up to six years. Extra court fees such as court orders will cost gbp 50 but further steps can cost gbp 100 each. If you have an outstanding debt and you have followed the correct procedure to obtain a county court judgment ccj in your favour unfortunately it does not necessarily mean that the debtor will instantly pay you.
Includes information from the. The defendant will then have 14 days to respond to the court claim. How to take legal action if someone owes you money small claims court how much it costs what happens next.
However there are things you can do to help lessen the impact of a ccj. What to do if you receive a county court judgment ccj how to get it set aside or change what you pay what happens if you do not pay how to search the register. That means loans credit cards and even mobile phone contracts may be out of your reach.
If the court finds against them the ccj remains on file for the full 6 years and the debtor is ordered to make the full payment. Within these 6 years if you apply for credit your lender will see the ccj on your credit file. Whilst in some cases simply sending a copy of the ccj to the debtor will raise sufficient concerns with them to result in payment.
A county court judgment ccj lasts on the register of judgments and your credit file for 6 years however there are some exceptions which we will outline below. However if the other party does not act on the order you will need to ask the court to take action which may result in paying another fee. And in most cases your credit file will already be affected by any missed payments or default notices issued before the ccj.
Having a ccj on your credit file will make it much harder to take out further credit. However if you re struggling with debt the most important thing to do is get free debt advice to manage your payments. Includes information from withdrawn guidance ex303 ex304 ex306 ex321 ex325 and ex350.
If the court finds in their favour the debt is not enforceable and the ccj is removed which usually takes around 3 4 weeks.