A County Claim Form will be sent to you with details of the debt, how and who you need to pay, when you need to pay them, and further court costs. If you do not respond within 14 days to the notice, you will be issued with a County Court Judgement. Additionally, you must pay off the debt within 28 days, or you will be automatically issued a CCJ.
If you obtain a CCJ, you must either respond by paying in full or defending the claim if you believe you do not owe any money.
There may be multiple at once, and they will remain on your credit file for 6 years from the date it was issued, decreasing your chances of borrowing from a lender. However, if you repay on time and handle your credit appropriately, such as managing your finances, it can be removed if you pay off your CCJ in full within one month of being issued, or if you pay In full at any time, it will be labelled as satisfied on your credit file.
If you cannot adhere to the terms of a CCJ, the creditor can apply to have the debt enforced either by a bailiff; an individual will come to collect the money or seize any belongings which can be sold to repay the debt. An attachment of earning order can be sent to your employer, where the money you owe is directly removed from your wages or a charging order for those who own property; you may lose your property if you do not repay your debt.
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