If you receive notification of a County Court Judgment against you that you had no prior knowledge of then you may be able to set aside the Default Judgment under CPR 13.3 to allow you to enter a defence against the claim.
The relevant Civil Procedure Rules can be read here.
First step is to contact the claimants and ask them to consent to a set aside of the judgment.
If they refuse your request you will need to make a payment of £255 to the court to make the application. If you are on a low income and/or certain benefits then you may be exempt from court fees and should read the information on the EX160 form. There is a guide to completing this form here.
You will need to make your application on form N244
The N244 form will need to be accompanied by a Witness Statement, a Draft Order, and a Draft Defence ( see below for examples of these)
If you are unsure of anything or just want to chat about the CCJ, get some support or read other peoples experiences please visit the forum
- Example how to complete the N244 form. (Download blank form N244 from HMCS website)
- Example of a Draft Order.
- Example of a Witness Statement.
- Example of a Draft Defence.
Other users of the forum, many experienced in dealing with these kind of claims will then offer support and guidance through the rest of the process. Have a rant, ask questions, discuss tactics … whatever you like, we’re here for you.
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.
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.