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If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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County Court Business Centre Debt Collection

The County Court Business Centre is a legitimate and regulated branch of the UK Court that administers and oversees civil claims and debts. The County Court Business Centre deals with claims issued electronically by creditors and those acting for them. It deals with claims for less than £100,000.

Why is County Court Business Centre chasing me?

If you are receiving correspondence from the County Court Business Centre it will be because an organisation or individual who believes you owe them money (or has another civil claim against you) has issued court proceedings in the County Court. The County Court is a civil court in England and Wales.

Is County Court Business Centre a legitimate debt collector?

The County Court Business Centre is a legitimate and regulated branch of the UK Court that administers and oversees civil claims and debts.

Who does County Court Business Centre collect for?

The County Court Business Centre deals with claims issued electronically by creditors and those acting for them. It deals with claims for less than £100,000.

Should I ignore County Court Business Centre’s letters or calls?

Before you receive any contact from the County Court Business Centre your creditor should have written to you. If your debt is regulated by the Consumer Credit Act, you must already have been issued a default notice. However, the first you will know about court proceedings will likely be receiving the papers from the County Court Business Centre. If you receive documents from the County Court Business Centre, do not ignore them – it is best to open them swiftly. You have a very limited time to reply, and if you do not reply then the creditor can apply to the court for the County Court Judgment meaning you could miss the chance to prepare a defence.

The rules of the court set out exactly how the deadline for returning the response pack is calculated but this will be no longer than 14 days from when you receive the papers.

Can I stop the County Court Business Centre from contacting me?

No, you cannot stop the County Court Business Centre from contacting you. They will have been given your address on the claim form completed by the creditor. If you do not believe the claim relates to you or the debt is not due you will need to complete the defence form included in the pack you receive.

Is my debt to County Court Business Centre debt statute-barred?

If you believe your debt to a creditor is statute-barred you may need to seek legal advice before you complete and return the response forms to the County Court Business Centre. In England and Wales, it is possible that a debt may be statute-barred if you have made no payments for 6 years ad have provided no written acknowledgement of the debt.

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What action can County Court Business Centre take?

The County Court Business Centre processes civil claims issued by creditors. It does not hold court hearings. If once you have returned your forms, the court considers that a hearing is necessary then the claim will be transferred to a County Court covering the area you live in. If you do not return your forms, or you return them admitting that the debt is owed, the Business Centre will make a County Court Judgment (“CCJ”) in relation to the debt.

Included in the forms from the Court you should find a financial statement to complete and return. The information in this form helps the Court determine how much you should pay back in instalments to satisfy a CCJ. The CCJ will specify how much the instalments you should pay will be, and how often they are paid. Provided you keep to this payment plan then there is only limited action the creditor can then take to enforce the judgment, but they can still apply to enter a charge against your home if you are a homeowner. If you then fail to meet the payments the creditor can apply to the court for your home to be sold to repay the CCJ.

Can I write off my County Court Business Centre debts?

Once a CCJ has been entered it stays on the public record for 6 years even once it has been paid off. The exception is if you pay in full within 1 month, in which case it may be possible to remove it.

I owe the debt and I can afford to pay the County Court Business Centre. Should I?

If you are satisfied the debt is due then it may be possible to pay in full before judgment is issued against you.

I can’t afford to pay the County Court Business Centre. What now?

It is important that you are aware of all the options available to you but you should return the response pack within the time limit. Give full details of your financial circumstances on the forms, these will be taken into account when the Court looks at the instalment plan part of the order.

You can find information about managing debt on debtbuffer.com and you can use our helpful AI chatbot to guide you through a series of questions which will help you understand your options.

Could my County Court Business Centre debts mean that I lose my home?

Once a CCJ has been issued against you it is possible for your creditor to apply for a charge to be placed against your home if you are a homeowner. This charge won’t be enforced by the court as long as you keep up with the instalment plan set out in the CCJ, but if you default then the creditor can apply to the court for the charge to be enforced by an order for your home to be sold to repay the debt covered by the CCJ.

How do I make a complaint about the County Court Business Centre?

If you want to make a complaint about the County Court Business Centre you should contact the Court Manager at:

County Court Business Centre
St. Katharine’s House
21-27 St. Katharine’s Street
Northampton
NN1 2LH

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.

WHY PAY MORE?

26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

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