Pay Judgment Within 28 Days In Clark
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Once a creditor has a county court judgment (CCJ) for a debt, the Limitation Act does not put any time limits on how long they have to enforce that judgment. If your CCJ is more than six years old, and the creditor wants to use enforcement action, they must first get permission of the court.
2. A CCJ is only worth having if there is an intention to use it as a springboard for the next debt recovery step -- (eg) a bailiff, charging order, third party debt order, or a stat demand (if the debt was previously in dispute). So this actually requires some planning and research.
A CCJ for credit agreements under the Consumer Credit Act must be preceded by a warning letter, such as a default notice or a letter before action, at least 14 days before any action is taken.
There is also no minimum amount of debt required for a CCJ. So even if you're only behind by one or two months, it's up to your creditor if and when they want to apply for a CCJ.
If you issue a claim online, it is issued immediately and posted out to the defendant in a number of days. If not responded to, you could realistically get a CCJ within a month, as the Defendant has 14 days from service of the claim to respond to it.
CCJ stands for county court judgement and you can only get one if the lender takes you to court.
``ing to the Limitation Act, a CCJ can only be enforced within 6 years of the order being issued. If you are being chased for defaulted mortgage repayments, for example, your mortgage company has 6 years to pursue you for payment of your CCJ.
A CCJ for credit agreements under the Consumer Credit Act must be preceded by a warning letter, such as a default notice or a letter before action, at least 14 days before any action is taken.
