Varying a County Court Judgment (CCJ)
You can ask a court to reduce the payments on a county court judgment (CCJ). There are various ways of reducing the payments on a CCJ. You can apply to the court for a 'redetermination' or a 'variation'. Which application you apply for depends on how the decision about how much you should pay was made.
Applying for Redetermination
Redetermination of the CCJ
Applying for a redetermination
Explain to the court that you cannot afford the payments you have been asked to make, and say the amount you can afford to pay. Work out an affordable budget and Include a copy. Inform the court you are asking for a redetermination under rule 14.13 of the Civil Procedure Rules. If the original decision was made by a judge, the redetermination will be heard at a hearing, unless both you and the creditor say you do not want one. The court will then make a decision but they do not have to agree to change the original order.
Applying for Variation
Sending your N245 application
Instead of going back to court, you could try negotiating directly with your creditors. This could save you paying the fee to the court but if you don't pay what the court originally told you to pay, the creditor could still choose to take enforcement action.
If you own property, it is possible for your creditor to make a charging order application, even if you have kept up to date with your payments.
If you have a CCJ, this will normally be recorded on a public register called the Register of Judgments, Orders and Fines. This information is also registered on your credit reference file. The information will stay on your credit reference file and the Register of Judgments, Orders and Fines for six years from the date the CCJ was made, unless you pay the CCJ in full within one calendar month.