If you have received a County Court Claim from a creditor or debt purchaser, don’t panic ! LegalBeagles have many years of experience assisting consumers in dealing with these claims, so you are in the right place to work out what steps you should take before making a decision whether to defend the claim or negotiate a settlement.
What to do if you receive a County Court Claim.
You must acknowledge receipt of a claim within 14 days or you may have a CCJ awarded against you.
You have 14 days from receipt of a claim to acknowledge, extended to 28 to enter your Defence. You can add up to 5 days for service from the date of issue.
Example of a letter to formally request a copy of your credit agreement.
Request copies of documents mentioned in a statement of case.
Request copies of all information held about you by a lender / creditor.
A good starting point for writing a standard Consumer Credit court claim Defence.
A guide to applying to set aside a Judgment by default.
If the Claimant hasn’t provided you with documents requested under CPR 31.14 you have the option to apply to court to obtain an order for inspection.
We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com – If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.