Submitting Your Debt Case
Debt/County Court Judgement Types:
Our Services
Company Reg No
11909509
ICO Number
ZA525624
FSB Number
51709348
Enquiries Line
0333 772 9572
Enquiries Email
enq@ccj-group.org
Call us now for free advice and assistance
0333 772 9572
or email: assist@ccj-group.org
Instruct Us Today
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If you have a (Debt) owed simply fill in our
submitter form, we will then asses your case
free of charge and inform you of
the enforceability of it.
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Debt Enforcement
County Court Judgements
Enforcing Judgements
Collection Process
Instructing Us
Debt Enforcement
Recover What Your Owed
- Overview -
Debtor's will try every angle or excuse into not paying you what your owed, they will either say the reason is because they are awaiting on a payment to pay you or give you false promises into clearing the debt. After a certain time of chasing they will dispute the debt in every way possible. This is common practice and promises are given that they will pay you time after time, then give excuses why they cannot pay. If they had every intention of paying then ask yourself this (why have you not been paid?) the answer is simple, they have no intention of paying you at all. Knowing that by stringing you along gives them time and the only option you face is that you will go through the channels of perusing the debt by means of legal or court routes.
This then costs you time, money, stress and losses knowing that they have no intention of paying at all and want you to take them routes giving them endless time to make other arrangements from the capitals they have gained from you and/or other creditors.
About County Court Judgement
Debt Orders
- Overview -
Once a CCJ has been awarded, if not paid in full within thirty days it is kept on record for six years by the register and credit reference agencies (CRAs); there is no way to expunge the record of a correctly granted CCJ, although later payment will be recorded. The record is removed after six years. The Office of Fair Trading warned about credit repair companies that offer, for a fee, quick-fix schemes purported to remove a file from the CCJ register. In some cases a CCJ is made against someone who did not receive the notification of the court case, often due to it being sent to an incorrect or former address, and is not aware of the judgement; this may lead to unexpected refusal of credit. Checking of the Register or CRA records will find such cases.
The records can be checked by anybody on payment of a small fee. When a person applies for credit or finance, potential creditors normally check CRA records, refusing applicants considered to have a bad credit history; a CCJ on record makes it much more difficult to obtain finance through the normal channels. Some lenders will lend to people with CCJs against them, but usually on unfavourable terms, e.g. through a very expensive payday loan.
Enforcing Judgements
High Court Enforcement
- Overview -
The CCJ is for a debt of over £600
The CCJ is less than 6 years old
The debtor is solvent and not bankrupt
You have a current UK address for the debtor
Request Location Trace
County Court Judgement
Collection Process
- Overview -
1. CCJ Assessment
Once you have successfully secured a County Court Judgement (CCJ) it is then time to act, as long as the CCJ in question has a value of £600.00 and over you can transfer it up to the High Courts where we will obtain a High Court Writ of Control. Once you are sure that this is the best option for you we will then proceed with the Enforcement.
2. Instructing Our Team
Simply call us to be assigned a Case Manager (CM) who will be your only port of call throughout the process. They will discuss your case at length and send you all relevant information that is required.
3. Enforcing Your Debt/s
Once your CCJ has been successfully transferred to the High Court you will then be assigned a Enforcement agent who will be a second contact for you, keeping you updated with the situation after attendance. This process is proven to deliver a 92% success rate. We do not write off the remaining 8% as it can still be worked on for up to twelve months.
Instructing Us
To Recover Your Debts
- Overview -
Step 1: Contact Our Team
Speak with us today and tell us about the CCJ/DEBT you have. All's we need to know is your details, the person or company that owes you the debt and some basic information about the debtor.
Step 2: Our Assessment
Our in-house team will conduct additional background checks on your debtor/s. A pre- assessment will be then given to you on the collect-ability of the debt and what stages we can take to ensure the debts collectable.
Step 3: Enforcement Procedure
Once you have instructed us we will then proceed with the enforcement of your case, you will have full reporting step by step and a personal case manager to assist you from start to finish until debt is successfully collected.
- Commercial Judgements
Commercial Judgements
The new Act although dated 2007 did not actually come into force until 2014 which was when the new regulations were implemented across the whole of the enforcement industry. On the 6th April 2014, the Common Law remedy or distraint or distress for rent was abolished. It was replaced by CRAR (Commercial Rent Arrears Recovery). At CCJ Enforcement Group, our service agents along with enforcement agents have the expertise and knowledge of this regime. Under section 72 schedule 12 (taking control of goods) a commercial landlord can recover rent payable under the lease of the tenant without the need to go to court.
Service Agreement Judgement
We will send a 7-day letter requesting full payment of the debt appertaining to the outstanding Service Charges, Insurance or other charges and a Enforcement Notice for the rent under CRAR. As the collection of the Service Charge, Insurance, deposits, electric arrears fall outside of CRAR, so does all of our communication with your tenant. We use every opportunity available to us to explain/negotiate with your tenant wherever possible. Our aim is to obtain full recovery of the non-rent debts, alongside the collection of the CRAR debt if instructed. As specified by CRAR, the standard charges will still apply for the enforcement of the Commercial Rent.
Goods Supplied Judgement
If the debtor is frequently experiencing trading difficulties and have therefore accrued a CCJ, we can provide a solution. We have years of experience when it comes to Protective Controlled Goods Arrangements. If you suspect that your debtor may also be experiencing problems with debts such as VAT and business rates or others, it is important to act as soon as possible before the situation spirals out of control. Should another enforcement company decide to Take Control of Goods in order to obtain the money owed to them. Protective Controlled Goods Agreement in place to protect you.
Contractual Judgements
Sometimes it’s necessary to seek help from debt collection professionals when in need of B2B debt recovery services. Whilst you may be successful in stepping up your efforts to encourage another business to settle their debt to you, from time-to-time you may feel you have exhausted all options other than to seek help from elsewhere. We have years of experience when it comes to B2B debt recovery. When we receive instruction from you, we will assign a highly experienced debt recovery agent to you, who will chase your debt through a range of mediums including post, e-mail and telephone. If we do obtain authorisation, we can carry out a visit.
Corporate Judgements
A County Court Judgement against a Corporate Company is essentially a court order, issued by a county court, that enforces the payment of a debt. If a creditor has taken reasonable steps to recover a debt, they may then apply for a County Court Judgement. The court will then decide whether there is a debt to pay and, if the debt can be proven, the court will issue a CCJ.
A business will typically have 14 days to respond to the CCJ by completing the necessary paperwork. If more time is needed, it is also possible to ask the court for a 14 day extension.
Business Loan Judgements
Check you credit agreement to see if it is regulated by the Consumer Credit Act 1974. if you are not sure, contact us for advice.
A 'stay of execution' is an order made by the High Court which stops HCEOs acting as long as you meet certain conditions, such as paying the debt by set instalments. We will send advance notice from the HCEO that you intend to take control of their goods. When they receive the notice, they may be able to pay the money due to the HCEO, or directly to the you, before the HCEO attempts to take control of their goods.
Tenancy Judgements
When an Order for Possession against residential or commercial tenants is made, it must be transferred to the High Court so permission from the Court can be given. Applications are made under Section 42 of the Country Courts Act 1984.
Writs of Possession are issued by the High Court following the award of a judgement or Order for Possession for property or land. The order or CCJ can be transferred to the High Court for enforcement if the occupiers are regarded as trespassers. Authorised High Court Enforcement agents are required to enforce judgements or orders.
Disputed Debts
If a debt is in dispute this means that something is not correct. Wheather it is incorrect service provided, incorrect goods provide or damage to goods/property. However 10/10 debtors that fail to pay will use this as a get out of paying method.
Our mediation team will take full control of this situation and assess if the dispute is resolvable or wheather the debtor is using this as a delay tactic to make a none payment.
If the dispute has been resolved then there is no reason or excuse for the debtor to pay the debt or debts owed.
Debt Enforcement
When Debt Enforcement comes into affect, we waste no time in recovering what is owed. If the debtor has assets and the debt is Enforceable then we will collect what is owed to you on your behalf.
Many debtors will want to brush you off not knowing the true impact or affect that it may have caused you and will expect you to either give up or think that you will never recoup the monies that they owe.
If a debt is owed then it should be paid .
About You
About Your Debtor
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CCJ Enforcement Group Ltd, is the UK’s largest debt recovery services group, recovering more money for clients than any other business.
When traditional debt collection methods fail, our expertise as Expert Enforcement Officers enables
us to prompt immediate engagement from individuals or businesses that have been ordered to pay money.
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