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.
``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.