Issue of Court Process

Issuing a Claim against one of your customers is usually a last resort, by this stage you should not only have exhausted your credit control procedures but also sent a Letter before Action.

It is important to remember that your chances of recovering your debt diminishes with time so prompt action yields the best results.

Where will my Claim be issued?

The majority of Claims are issued through the County Court Business Centre (CCBC) in Northampton via a Secure Data Transfer.

The benefit to you of using this system is that the Court Fees are discounted, and the electronic process is fast and secure.

What happens if my Claim cannot be issued through the CCBC?

In some instances a Claim has to be issued in paper format through the County Court Money Claims Centre (CCMCC), this process is slightly slower and the Court fees are slightly higher.

Examples of Claims that need to be issued via the County Court Money Claims Centre include:-

  • Claims over £100,000
  • When the Debtor lives in Scotland or Northern Ireland
  • If there are 2 or more Defendants
  • If separate Particulars need to be sent with the Claim

How quickly can proceedings be issued?

As long as we receive your instructions before 4.00pm (CCBC) or 3.30pm (CCMCC) Monday-Friday we will process the Claim that day.

  • With CCBC Claims the Court will issue the Claim at 10.00pm that evening
  • With CCMCC Claims the Court will issue the Claim within 7 working days

What happens when the Claim has been issued?

The Claim Form is served by the Court on the Registered Office or Trading Address of the Debtor Company.

The Debtor has 14 days from the date of service to respond to the Claim.

Their response can be one of the following:-

  • Pay the full amount outstanding
  • File an Acknowledgment of Service (this provides the Debtor with an extra 14 days to respond)
  • File a Defence
  • File a Full Admission
  • File a Part Admission

If the Debtor does not respond what happens next?

If the Defendant fails to take any steps you are entitled to enter Judgment by Default and the Enforcement Process can commence upon instruction.

When Judgment has been obtained what happens next?

Enforcement of the Judgment is the next stage in recovering your debt.

What does a ‘Judgment’ mean to a Debtor?

From the date of Judgment (County Court Judgment or CCJ) the Debtor has 30 days to make a payment in full for it to be removed from the Registry of Trust record.

If the Judgment is paid after this time it will be recorded as ‘Satisfied’ but will remain on record for 6 years.

Having a CCJ on record will adversely affect Credit ratings and can have significant impact on both the Debtor and their business.

Contact us today to discuss your matter in confidence

GET IN TOUCH

There Are Four Key Stages That We Follow In The Debt Collection Process

4-stage-1A Letter Before Action to the Debtor states the value of the debt and the time frame for payment. In most cases the debt is settled quickly and we do not take the matter further.
4-stage-2If the debt is still not paid or a reply has not been received we issue a County Court Claim.
4-stage-3If an Acknowledgment or Defence is not received within the Court time frame we will apply for a County Court Judgment (CCJ).
4-stage-4There are a number of different ways to enforce the Judgment once obtained.

What We Do Best

  • Claiming Late Payment Charges
  • Enforcement
  • Disputed Claims
  • Overseas Collections
  • Alternative Dispute Resolution
  • Terms & Conditions Consultation

What Our Clients Say

We have worked with John and the team at Lanes for around two years and in that time we have had great success in clearing bad debtors from our ledger. The processes at Lanes are quick, efficient and professional; it has relieved the burden on our credit control department and for very little cost we have seen fantastic results.
Richard Designs