County Court Judgments

Responding to the CCJ Process

Want to know what happens when you receive a County Court Judgment (CCJ) in England & Wales or Northern Ireland? Take a look at the flowchart below to find out more about the CCJ process.

This flowchart takes you from the moment you receive a County Court claim form in the post right the way through to the resolution of the CCJ inside or outside of court.

If you'd like to find out some of the things you can do to help you regain control of your financial situation after you've been through this process, take a look at our recovery tips.

For more information, take a look at our FAQs or our myth buster.

Information

County Court Judgment Process Flowchart

Follow the flowchart from receiving the CCJ claim form in the post, through to the resolution of the CCJ inside or outside of court.

CCJ stamp

You've received a form from the court claiming you owe someone money. You have 14 days to reply to the form. Do not ignore it.

Do you know how you want to reply?

If you need more time to fill in the claim form, you can ask for another 14 days to respond. Fill in the acknowledgement of service form and return it to the court.

Do you owe the money?

Click the following options for the next steps

Yes, and I can afford to pay it all back immediately.

Send a cheque or postal order for the full amount to the address on the claim form. Make sure you pay the full amount, plus any interest and court fees, within the deadline and get a receipt.

There will be no court hearing and you will not have a CCJ registered against you.

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Yes but I can only afford to pay back in instalments.

Fill in the admission form (one of the forms included in the response pack you received), saying how much you want to pay at what intervals.

If your creditor accepts your offer, a CCJ will be issued but you won't have to attend a court hearing.

If your creditor does not accept your offer, it will be down to a judge to decide a fair repayment plan. Then, a CCJ will be issued.

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I owe some of it, but I don't agree with the full amount.

Fill in the admission form (one of the forms included in the response pack you received), saying what you owe, and fill in the defence form (another of the forms in the pack), explaining what you don't.

If your creditor accepts your offer on the undisputed part but does not withdraw the claim for the disputed part, a CCJ may be issued and you may have to attend a court hearing on the disputed part.

If your creditor does not accept your offer, a judge will decide a fair repayment plan. Your creditor could ask the Court for judgment or for the whole case to continue. You may have to go to a court hearing. Then, a CCJ will be issued.

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No, I don't owe any of the money.

Fill in the defence/counterclaim form (one of the forms included in the response pack you received). The court will then decide if you owe the money or not.

If after a hearing, the court decides you don't owe the money, a CCJ will not be issued against you. If you think the other person actually owes you money, you can make a claim against them.

If after a hearing, the court decides you do owe the money, a CCJ will be issued against you.

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If you've received a CCJ and would like to find out more about how you might be able to begin regaining control of your finances, take a look at our recovery page.

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