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Debt Advice Handbook 16th edition
Chapter 12: Action in the county court: money claims
Debt Advice Handbook 16th edition
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Debt Advice Handbook 16th edition
Chapter 12: Action in the county court: money claims
Back to previous
Chapter 12: Action in the county court: money claims
1. Starting a money claim
Debts regulated by the Consumer Credit Act 1974
Which court deals with the claim
Automatic transfers
The claim form
The particulars of claim
Responding to the claim form
Filing and serving documents
2. Admitting a money claim
The admission and statement of means form
Completing Form N9A
3. The judgment
The creditor’s response
How courts calculate instalment orders
The amount is not more than £50,000
The amount is more than £50,000
Redetermination by a district judge
Default judgment
Interest charges after judgment
Statutory interest
Discretionary interest
Contractual interest
Section 130A notices
4. Defending a money claim
The defence and counterclaim form
Challenging the creditor’s costs
Allocating the case to the appropriate track
The tracks
Summary disposal
5. Enforcing a judgment
Information order
Warrant or writ of control
Charging order
Interim charging order
Final charging order
Objecting to the order
Conditions attached to a charging order
Suspending a charging order
Joint ownership of property
Order for sale of property
Attachment of earnings order
Requesting a suspension
How the order is made
The effect of an attachment of earnings order
Consolidated attachment of earnings order
Third-party debt order
Hardship payment order
Enforcing foreign judgments
Scotland and Northern Ireland
6. Dealing with a judgment debt
Setting aside a judgment
Serving the claim form
Applications
Suspending a charging order
Varying payments due under an order
Suspensions and stays
Suspension of a warrant of control
Insolvency options
This chapter deals with court action by creditors who are claiming only money from the client. If the creditor is taking action to recover property or goods as well as, or instead of, money from the client, see
Chapter 13
.
Note
: before starting proceedings, most creditors must first comply with the pre-action protocol (see
here
), which aims to enable parties to resolve the matter without having to resort to court action.
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CPAG. "Chapter 12: Action in the county court: money claims." In
Debt Advice Handbook 16th edition.
, 2026. Accessed April 5, 2026.
CPAG,
https://askcpag.org.uk/?id=-268643CITANCHOR.
CPAG. "Chapter 12: Action in the county court: money claims." In
Debt Advice Handbook 16th edition.
, 2026. Accessed April 5, 2026. https://askcpag.org.uk/?id=-268643CITANCHOR.
Contributor(s):
CPAG
Title:
Debt Advice Handbook 16th edition
Site name:
CPAG
Publisher:
Publication date:
February 24, 2026
Date accessed:
April 5, 2026
URL:
https://askcpag.org.uk/?id=-268643CITANCHOR
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