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Obtaining a County Court Judgement or CCJ issued against you will have a serious impact on your credit rating, as it signifies that you have had severe troubles paying back a loan or other form of credit, to the extent where your creditor has had to take court action against you to attempt and recover the debt.

If you get into arrears and fail to come to a repayment agreement, your creditor might decide that pursuing a CCJ is the only option. The first you'll hear about it is when you acquire a 'Claim Form' through the post, sent to you by the county court. This form will set out the specifics of the claim, which includes who the creditor is and how much they say you owe them.

If you had been unaware of the debt, for instance if you'd moved home and lost speak to with the creditor, then repaying the complete debt now will stop proceedings going any additional. If however you can not clear the debt, then you should fill out an 'Admissions Form' which will also have been sent to you.

This type asks for information about your revenue and costs, which the court will take into account when hearing your case. The Admissions Type must be returned within 16 days of the postmark it holds, though if you intend to dispute or defend the claim then you can apply to have the hearing delayed an further 14 days in order to prepare your defence.

After you have filled in these types and returned them to the court, there will be a easy hearing carried out in private. For fresh information, please check-out: york county sc traffic court review. You do not have to attend the hearing so long as you've entirely filled in the essential forms, or unless you wish to dispute elements of the claim.

At the hearing, the court will objectively assessment the claim and the info you've supplied, and come to a choice about the quantity of income (if any) you owe, and how it should be repaid. It's important to note that no a single is getting located 'guilty' or 'innocent' right here, the court is merely trying to fairly resolve a civil monetary dispute.

If the decision upholds the claim against you, then the court order or CCJ is issued. Even at this stage you can cease the harm to your credit record, as you will have one particular month from the date of the court hearing to repay the debt in complete to cease the CCJ getting place on record.

Soon after a month, the CCJ will be entered on to the Register of County Court Judgements, and from there it will make its way onto your credit files held by the various credit reference agencies.

The presence of 1 or far more CCJs on your credit file will properly close off most sorts of finance to you, as most lenders will be quite reluctant to advance credit to men and women in these situations. Once, nevertheless, you've cleared the debt, then the judgement will be marked as 'satisfied', and although this will not take away it from your record it is a lot less dangerous to your credit worthiness than an uncleared CCJ.

If you have a CCJ on your record, you might be tempted by organizations promising to eliminate it and clean up your rating. Unfortunately, this is only feasible in a couple of circumstances. Occasionally, the CCJ is entered on to your record by error even although you cleared the debt within the 1 month time limit. If this has occurred then you have the correct to have it removed from your records.

The only other ways to have a CCJ removed is to show that there was some thing incorrect with the way in which the judgement was awarded. If, for instance, you didn't get the initial Claim Form, and you have been unaware of the proceedings, then you did not have the possibility to defend yourself and so the judgement is invalid.

In these circumstances, you can apply to the court to 'set aside' the judgement and it will be removed from your file, with the entire method starting again with a new claim and hearing. Any attempt to obtain a 'set aside' with out a reasonable argument could be observed as wasting the court's time, with all the legal penalties that would entail.

If you obtain a Claim Type by means of the post, it's essential not to panic. Though a CCJ against your name is damaging to your credit rating, it is not a criminal matter and will not lead to further action such as repossession of your property or bankruptcy. The CCJ process is there so that the court can help to resolve your debt in a way that is fair to both you and your creditor.



Revision: r1 - 2013-07-13 - 16:00:24 - LawaNa41

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