How do I pay a CCJ?

Firstly you must work out who you will pay after you have been given your judgement. This person is called the claimant. The claimant is the person or maybe organization who made the claim against you. In some cases you will not deal with the actual claimant, they may a solicitor or another form of representative. It may be this person who deals with your payments.
 On the judgement form it will be clearly stated the name and address for who your payments will go to.
 A judgement may allow you to pay by installments. You will need to communicate with whoever you are dealing with, whether it be the claimant or their representative. They will tell you how they would like you to pay these installments. A paying in book may be issued to you. Or the claimant may choose for you to pay them in by standing order, in which case the money will come straight out of your bank account and into that of the claimant.
 You must remember that the court cannot accept your payments. They must go directly the claimant.
 Your chosen method of payment must give proof that you have paid. So there isn’t any point in sending the claimant your payment in cash as there’ll be no proof that you have paid. You can however send a cheque or postal order by post. With these you must send the following;

 

•      Your name.
•      Your address
•      Claim number
•      Claimants reference[This is on the judgement]

KEEP A COPY OF ANY OF THE LETTERS YOU SEND

 

You must keep a record of any payments you make. This is so that if you and the claimant disagree on any of the payments you make you’ll basically have a leg to stand on in terms that you’ll be able to show you made the right payment on the right day. If not the claimant could say that you haven’t paid even if you have but have no proof.
 In regards as to when you must pay the claimant by, the judgement itself will probably tell you this. If you fall behind with your payments by as little as of day the claimant has the right to ask the court to take steps to make you pay. These steps could mean that you have to pay more costs.

A good idea so that you don’t end up having to pay more costs is that you send you payments at least four clear working days before they are due.