Debt Consolidation is not the Only Alternative!
The CCJ Claim Form and
Vital Sections
of the County Court Judgment Recording Process
Finding the CCJ claim form i.e. an alert for the ongoing County Court Judgment procedures in the mail box is important and daunting enough to panic. After all if the debt proceedings take the most severe turn and get recorded in the County Court Judgment records, it would be quite difficult to pursue the financial aspects as planned. A negative record in the county court judgment register is considered as the most authentic and legal verdict by all credit rating agencies and lending institutions. This negative entry could substantially hurt, not only the credit seeking terms, but might also impair other important aspects like employment search, social and political terms, etc. Thus in all circumstances if you happen to receive the CCJ claim form in your mail box, do not avoid it or keep it aside like a regular post. The CCJ claim form is an important aspect of the over legal proceedings and immediately demands due attention.
The CCJ Claim and the Process Details
To further understand the relevance of the stated, it is important to gain an
overview of entire process. County Court Claim process (England and Wales)
begins, once the creditor initiates a court action against the debtor, in order
to obtain the due funds. The first stage entails sending the CCJ Claim form by
the court to the debtor. The CCJ claim form is an opportunity extended by the
court to the debtor, to explain his stand on the entire situation. The CCJ Claim
form explicitly outlines the details of the supposed amount due. An application
form is also attached with the CCJ Claim form, which seeks info under the income
and expenditure head. These details, along with the justification, act as
substantial inputs, during the claim settlement process.
Debtor is expected to reply to the claim form within 16 days of receipt. The
reply could include the duly completed CCJ claim form and the attached
application form or merely a receipt of the post with a defense form.
Based upon the appended details and the CCJ Claim form, a court hearing is
planned, wherein the court pays due consideration to the arguments of both
parties viz., the plaintiff and the defendant and accordingly decides upon the
amount due. An out of court settlement with the creditor is also an option. In
case of more than one creditor, the court has the option of combining all debts
in one and ordering a single payment to be made every month. Payments are
addressed either to the creditor or the solicitor representing the group.
In an eventuality of non payment, or negligence of the entire proceedings and
thus the CCJ Claim form, defaulter status is recorded in the County Court
Judgment register, which possess serious implications in long run. The records,
unless otherwise removed, stay intact for a period of six years. This is
certainly least required at any stage.
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