County Court Judgments have an unwelcome effect on people in many areas of their lives. Attachment to earnings, attachment to benefits, visits from enforcement agents and charges on property are all potential consequences of a CCJ.
It is imperative to deal with claim forms swiftly by submitting a defence and counterclaim where applicable.
Not only do we assist with training for defending claims, we also provide training for set aside applications so that existing CCJ’s may be removed, staying any further enforcement action.
To set aside a CCJ we require a copy of the N1 claim form and a copy of the N24 (Judgment) or N30 (Judgment in default).
We require this information to establish the basis of the training for the potential litigant.
Litigants may be entitled to compensation or to file counterclaims dependent upon the damage a CCJ has caused.
We do not represent students in court, we are primarily focused upon training those who wish to understand the legal framework required in order to successfully set aside a CCJ.
We offer webinars, private mentorship and courses in this regard. Please contact us for full details.
Counterclaims may be brought by litigants against companies who may have obtained a CCJ without having the rights to do so.
Companies such as Banks, debt collection agents or utility service agents have no chose in action to bring claims, contrary to their ignorance and the ignorance of their legal agents.
We require a copy of any N1 claim form, N24 Judgment or N30 Judgment in default, together with any evidence for financial damage or detriment to credit profiles to assess the level of compensation due.
Credit profiles may be corrected and compensation obtained from the agent.
Corrections do not always involve enforcement at law in County Court, a letter before claim is sometimes sufficient to educate the agent as to the fact their deceptive practices are no longer to be tolerated.
Compensation may be due for meritless, unfounded or vexatious claims issued by banks, debt collection or utility agents. None of these agents have a chose in action with respect to purported debt.
Such companies may be litigated against for compensation due to failure to comply with a DSAR in pre-action protocol. All banks conceal data and information for the purposes of unjust enrichment – they are all agents without a legal or equitable chose.
When push comes to shove the agents may never adduce evidence to substantiate their unfounded claims.
Claims may be issued for compensation due to a failure to the failure of a data controller or processor to disclose data and information for which they are obligated to disclose.
All Banks and DCA conceal data and information to maintain a lid upon their deceptive practices. When ordered to provide data and information contained within deeds and so forth, the concealment is exposed and Banks will routinely settle to save further enforcement such as applications for committal.
Case management is a complex matter. Students ought to study the relevant and free training material within our Facebook group, attend webinars or receive one to one mentoring upon effective case management.
Case management is a reserved legal activity pursuant to the Legal Services Act 2007 and not undertaken by Debt Less LLC. Therefore it is the sole responsibility of the student to adhere to any court directions, filing requirements, payment of court fees, timeframes and so forth.
We are not Solicitors, we are a training platform, and as such we do not perform any regulated activity such as representing students in court, attend to filing requirements, acting as McKenzie friends or lay representatives.
He or she who seeks equity, must do equity. In other words, one’s financial education and subsequent case management, is the responsibility of the individual.
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