MINI GUIDE 7 A COURT CLAIM FORM OR CCJ
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Court Claim Form or CCJ: Your Deadlines, Options and Letters — £9
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A County Court claim form has arrived, or a CCJ has been entered, and you're not sure what happens next. This mini guide shows you where you are in the process, what each deadline is, and what you can do at each stage.
What's inside:
• The court claim timeline, from Letter Before Claim to judgment, with every deadline
• The 14-day deadline and how to get more time
• Admitting the claim: the form, and how to offer payments you can afford
• Disputing the claim: what a defence has to cover, and the common grounds people raise
• What happens if you do nothing, and how to apply to set a judgment aside
• How paying within a month keeps a CCJ off your credit file
• After judgment: asking the court to lower the payments, and what a creditor can do
• A one-page deadline checklist
4 ready-to-send letters. Fill in the blanks and send:
• Replying to a Letter Before Claim
• Asking the claimant for the documents behind the claim
• Asking for a copy of your credit agreement
• Asking for more time to file your defence
No jargon and no scare tactics, just what happens and what you can do about it.
Get instant access — £9
More than one debt to deal with? The Debt Letter Template Library has 34 letters for £19, and the Complete Debt Toolkit has the full 174-page guide plus the Library for £47.
Important: this guide explains the court process in England and Wales. It is not legal advice and it can't tell you whether you have a defence.
Written by Claire Cox, FCA-registered Debt Educator (ref. 212365616). Debt educator, not a regulated adviser (PERG 17.2/17.5). Delivered instantly to your email.
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