Unfortunately there will always be occasions where escalating matters to Court proceedings is inavoidable and, if this is what it takes to recovery your money, then Jennings Debt Recovery Solicitors are perfectly positioned to represent your interests.
Issue of Proceedings (Non Disputed)
As Jennings are "high volume" debt solicitors, managing multiple instructions from a broad client base, we are approved users of the County Court Bulk Centre. This means that we issue proceedings electronically and are able to obtain a significant reduction in court fees for our clients. It also means that proceedings can be issued the same day, providing that instructions are received by a certain time (usually 10:00am).
Where a matter is not disputed, the fixed fees for issuing proceedings are added onto the debt amount and are payable by the Debtor so, in successful cases, our clients are not out of pocket and receive the full recovered amount.
Because Jennings are users of the County Court Bulk Centre, we are able to obtain instant judgment once the time limit has expired.
Once Judgment is obtained, the amount will also include the fixed costs and any court fees incurred to get to that stage.
This County Court Judgment (or CCJ, as it is often abbreviated to) basically means that you can then look to enforce the Order (i.e. take steps to physically recover the money) and the Judgment gives you the Court's approval and legal power to do this.
In instances where a debt is not disputed, Judgment can be obtained once the time limit for a response has expired. The Judgment is also recorded on file and will affect the debtor's credit record.
Enforcing a Judgment
Once you have obtained a Judgment against a debtor, you must then decide which method of enforcement you would like to use.
The methods available include an attachment of earnings, obtaining a charging order against the debtor's property or, as commonly seen, instructing bailiffs to attend the debtor's property with the legal power to seize goods up to the value of the debt.
The chosen method of enforcement will differ on a case by case basis, taking into account the individual circumstances and status of the particular debtor. Again Jennings offer fixed charges for these services.
Please Note: although you have the Court's authority to enforce their Judgment, this is only beneficial if the debtor actually has the means to pay or assets. If the debtor is a "man of straw" then there is a risk that nothing may actually be recovered. Should enforcement be required outside England & Wales, alternate charges will apply.