You might have heard of the County Court Business Centre (CCBC) in Northampton, but do you really know what it is – and what they do?
Read this latest article to learn the key details about this centre. And pick up the phone to call a debt advice charity for additional help if you are making or facing a claim.
We’ve discussed the best charities to use on our website here.
What is Northampton County Court Business Centre?
The County Court Business Centre (CCBC) is based in Northampton and is the central point for county courts across England and Wales. It handles administration and online claims but no physical hearings take place at the centre. They send out letters to give notice of cases and claims.
You can find out more from the GOV website here.
What is the address for the County Court Business Centre?
The address for the County Court Business Centre is:
Northampton County Court Business Centre
St Katharine’s House
21-27 St Katharine’s Street
Or you can call them on 0300 123 1056. Note that many people have left unhappy reviews about call times, so it may be less stressful to send a letter. If you do send an important letter, it is a good idea to make a copy and pay for record delivery as evidence.
What does the county court business centre do?
The County Court Business Centre (CCBC) is responsible for handling online claims and online administration, working in close contact with county courts across England and Wales. For example, the County Court Business Centre can process your claim form for money through the Money Claim Online portal.
Some of the other services provided by the County Court Business Centre (CCBC) are:
- Bulk money claims – these bulk claims are made by creditors against large volumes of customers and borrowers who are in arrears. Processing them in bulk can save the company and the CCBC time.
- Challenges to parking tickets and driving fines.
- Services regarding employer deductions from debtors’ wages.
County Court Business Centre Reviews
At the time of writing, the claims centre has over 220 reviews on Google with an average rating of 1.3 stars out of 5. Here is what some reviewers had to say:
“Absolutely awful service, shockingly bad, they have no clue what’s going on and will just push you to another department. Avoid if possible.”
“I’ve been on hold on the phone for 4 and a half hours and currently still waiting in the same position number 2 this company is an absolute joke, to get hold of them is impossible, not even an email to get in contact with them!”
Quite a few reviewers mentioned how difficult it is to contact them – and how long it can take.
County Court FAQs
Will my court hearing take place at the CCBC?
The County Court Business Centre in Northampton does not host physical in-person hearings. If your case cannot be resolved remotely and without a hearing, you may have to attend a hearing at your local county court. You will receive plenty of notice if this is to happen with letters arriving in the post.
What is a County Court Judgment (CCJ)?
A County Court Judgment is a decision made by a county court judge. This could be a judgment telling you to pay a company you owe credit to. If your CCJ is regarding debt, the debt will be registered on an official register.
How can you tell if a CCJ is real?
If you have received a letter in the post telling you that you have a CCJ for money owed, you can check this by contacting the County Court Business Centre in Northampton or by contacting your local county court.
You could also check your credit history. By checking your report, you can find out the unique court reference number and use this to find where the CCJ was issued.
I have a County Court Judgment, what next?
If you have received a CCJ, you will need to pay the claimant. You could make a full payment or try to spread out the payment in an agreed plan with the claimant. If the debt is paid off in full within 30 days, the CCJ will not be registered onto the Register of Judgments.
If it is not paid off within 30 days of the date it was issued, it will stay on the aforementioned register for six years until it is automatically deleted. Having a CCJ on your file – unsatisfied or satisfied – can stop you from getting a credit card, loan or mortgage in the future.
If you disregard a CCJ, the claimant can take further action to enforce the debt, including but not limited to using enforcement agents (bailiffs!).
How do you clear a CCJ?
You clear a CCJ by paying off the debt in full. The CCJ then becomes satisfied and remains on your credit file for six years. If you pay within 30 days of the date the CCJ was issued, it will not be registered and it will not stop you from getting personal credit in the future.
How do I set aside a CCJ?
If a defendant believes the CCJ has been issued in error, you can ask for it to be set aside and looked over again. There may be a fee for this service.
To ask for the judgement to be set aside, you first need to fill in some forms. Complete form N244 for the judgement to be reconsidered. If they decide you do not owe them money, they will remove the judgment from the register.
If you need support filling in form N244, you can get it from free debt charities or legal professionals.
What happens if I ignore a CCJ?
If you ignore it, your debt can be enforced by the creditor. They can request to use enforcement action, such as:
It’s important to not hide away from a judgment you have received. There are still opportunities to put things right, Avoidance and delaying tactics can result in more debt being added to the money owed, due to solicitors’ and bailiff fees.
Will a CCJ appear on my credit file?
If you do not make a payment within 30 days, the CCJ is added to the Register for Judgments and this becomes visible on your credit report for six years. If you respond and pay within 30 days and the judgment isn’t registered on the official register, but the missed payments that created the debt will still appear on your history and reduce your credit score.
Even if you pay it back after 30 days, it will stay on your credit history but should be marked as satisfied until it is eventually deleted.
Further debt advice is available!
For free personal debt advice on anything from claim form help, general enquiries or assistance dealing with a debt collector, you can get it at one of the excellent charities. Some of the most popular is Step Change and Citizens Advice.
If you enjoyed this article and found what you were looking for, seek out our other content and more details about tackling your debt on the MoneyNerd website.