You must respond if someone claims you owe them money. You must respond by the date on the email or letter you receive.
There’s a different process in Scotland.
If you do not respond
You might get a County Court Judgment (CCJ) if you do not respond by the date on the letter or email.
If you get a CCJ:
- bailiffs might be sent to your home or business
- you might have problems getting credit, such as a mobile phone contract, credit card or mortgage
Respond to a money claim
Return to an existing claim
Sign in to your account to check updates and manage your response.
Help responding online
Contact Money Claims for help using this service.
Respond by post in English or Welsh
Download and fill in:
form N9 if you need more time to respond to the claim
form N9A to pay all or part of the specified amount
form N9B if you do not agree with the claim
Send the forms to Civil Money Claims.
Civil Money Claims
PO Box 12747
Help responding by post
Contact the County Court Money Claims Centre.