How do I complete a CCJ Admission Form

If you believe that you owe the debt which is being claimed against you but you need time to pay, you must correctly complete the Admission Form (Form N9A).

You must then send the complete Admission form directly to the claimant or the address for sending documents shown on the front of the claim form.

You must take care to complete the form correctly. If you do not, then a Count Court Judgement may be issued against you requiring you to pay more than you can afford to each month. Then if you do not keep up the payments required, the creditor can take further action against you.

This may result in a charging order being issued against your property or an attachment of earnings being issued against you.

For more information about how to complete the CCJ N9A admission form correctly continue reading below.

Completing the N9A Admission Form:

The sections of the admission form which you must complete and some guidance notes about how to do this are given below:

1. Personal Details

Record your personal details in this section as directed.

2. Dependants

Record whether you have anyone who is financially dependent on you. This will include children but may also include your partner, spouse or anyone else who is financially dependent on you.

3. Employment

Complete your employment details. If you are self employed, make sure you record any debts you currently have with HMRC such as Tax and VAT.

4. Bank account and savings

Record details of your main bank and savings accounts in this section.

5. Residence

Tick the box which describes the accommodation in which you live.

6. Income

Include all forms of income that you receive in this section and how often these are received.

It is useful to record your income per month. As such, if you receive any of your forms of income weekly, simply multiply this figure by 4.33 to get an average monthly amount.

7. Expenses

List your reasonable living expenses in this section.

Note – the expenses listed on the actual Admission Form is not comprehensive. To make sure you include all of your living expenses, you should review the Beat My Debt living expenses guide before completing this section.

Use the guide to find out all of the expenses you should include and the amounts for each that if included will be regarded as reasonable by your creditors.

If you believe you have additional expenses for which space is not given in section 7 of the Admission Form, make a separate list and attach this to the form. Then transfer the total of your expenses to the bottom of section 7 as required.

8. Priority Debts

Priority debts are generally arrears on any of your living expenses which you need to repay. These could be mortgage or rent arrears, utility bill arrears, child maintenance or council tax arrears.
  

9. Court Orders

If you already have any County Court Judgements issued against you, these should be recorded in this section together with the amount you are required to pay each month.

10. Credit Debts (Unsecured debts)

You must list all of your other unsecured debts in this section. These include any credit cards, personal loans, catalogue or store card and any other unsecured debt that you are required to repay.

If you believe you have too many unsecured debts to be able to list them in the space given in section 10, make a separate list and attach this to the form. Then transfer the total of your unsecured debts to the bottom of section 10 as required.

If you are behind with all of your unsecured debt payments, simply write “All” in the lower box in this section.

11. Offer of payment

Your offer of payment is the amount that you believe you can offer to pay towards the debt claimed each month.
To work out how much you can afford to pay towards the debt each month, you first need to consider your disposable income. This is the total surplus income you have after you take away your monthly living expenses (section 7) from your monthly income (section 8).

Note: Once you have calculated your disposable income, you then need to deduct agreed payments towards your Priority Debts (section 8) and any Court Orders (section 9).

Any remaining disposable income should then be divided on a pro rate basis between all of your remaining credit debts (see section 10) and the debt which is being claimed for. As an example, if your remaining disposable income is £100/mth and the amount that is being claimed for is 25% of the total amount of your credit debts, your offer of payment should be 25% of £100 which is £25.