Legal Proceedings regarding Personal Debts in the Uk

Is a creditor threatening legal action?

Are you afraid or unaware of what to do next?

LEGAL PROCEEDINGS, How this will affect you?

COUNTY COURT CLAIM

You will have the opportunity to either accept or deny the debt. You can also make an offer of payment. Once received your creditor will apply to the court for a county court judgment.  If you choose not to reply, the court judgment will give judgment automatically upon our request.

COUNT COURT JUDGMENT

This will affect your ability to obtain future credit. For your name to be removed from the register, you need to pay the full judgment amount within 28 days of the judgment order being made.

Once a judgment has been obtained, what will happen if I still do not make payments?

ENFORCEMENT PROCEEDINGS

If you do not pay the amount stated in the judgment  order,  enforcement proceedings may be issued against you for the recovery of that sum. This could take the form of one of the following:

1.  WARRANT OF EXECUTION - This could result in the seizure of goods from your property to the value of the warrant by a County Court Bailiff or High Court Sheriff.

2.  ATTACHMENT OF EARNINGS - If you are in paid employment,  a Court order may be obtained that your employer pays your creditor directly the money that you owe.

3.  CHARGE ON YOUR PROPERTY - The charging order will give your creditor an interest in your property. This will be registered with the land registry and this will affect your ability to sell or dispose of your property, as any searches done on the property will show that your creditor has an interest in your property. The debt would have to be settled before any sale or disposal takes place. If you do not pay at this stage, and the creditor has still been unable to agree a suitable arrangement for repayment with you, they may take further enforcement action against you regarding the charging order.

For more information in confidence call 0800 018 6868, free, 24hours a day