County Court Judgement Received 

If you have recently received a CCJ aka a County Court Judgement in the post, the first thing you need to know is that this is not yet a County Court Judgement, so there's no need to panic. You should have been sent a form, which is usually a blue piece of paper with white boxed sections, which, if you look at closely, you'll notice that you have been given 14 days to send this form back, called an 'acknowledgement of service', from the date it was posted to you. Returning this will then in turn give you another 14 days to either pay the debt, which will of course stop any County Court Judgement, or to file a defence. Although i've always been taught that the best form of defence, is a good offence, so filing a claim would be a better option. That obviously depends on your particular circumstances regarding the claim, but for now, let's focus on this form. Now if you look at the box underneath the 'claimant's details' box, which will say something like 'address for sending payments and documents if different from above', and it will either have the claimant's details repeated, or the name and address of a solicitor/lawyer. If it is the latter, you know that the claimant is serious about making a claim against you, if it is the prior, or if it is empty then you know they are not and are probably just trying to scare you. 

The second thing to know is that if you admit that you are liable for, or owe the debt that is being detailed on the CCJ form, then you'll definitely get a CCJ against you, which will mean you will have trouble getting credit as it will affect your credit records and score, it will also remain on your record for six years. 

I Received No Paperwork 

What about in the scenario of you receiving no paperwork alerting you of a County Court Judgement or you received it after the fact, or were only made aware when you visited your credit score account to check your credit records? In this case, if that's what happened to you, if you were suddenly made aware that there is already a County Court Judgement against you, where you were not made aware of an application for a County Court Judgement to be made against you beforehand, you can simply apply to have it set aside. You will have to prove this of course. For instance, proof that you wasn't living at the address the CCJ was sent to at the date in question. Anyway, that was just a short bit of information about CCJs, thanks for reading.

Using Conditional Acceptances

But what if this debt is false? For instance, a friend of mine got a notice from court that a solicitor was applying for a CCJ against him for an unpaid debt. This was a debt which my friend told me didn't exist, he even had a letter from the company who hired the solicitor, telling him that he 1. doesn't owe them any more money (after he cancelled his wifi) and 2. that he has in fact overpaid them and so they gave him a refund of the balance left over. 
Well, after we returned the form to the court acknowledging that he had receiced their notice of CCJ, which gave him an extra 14 days to complete our administrative procedure, I helped him write a conditional acceptance mentioning this letter and the refund they gave him and to cut a long story short, the solicitor and the court never bothered him again.
For more on in depth tutorial on conditional acceptances, I have a page under that name in the index, so go take a look if you haven't already, or even if you have as it is a fundamental skill to learn. Other than that, let's continue this journey by heading over to page 5:

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