Hello my name is ***** ***** I will help you with this.
1. It means that it needs to be received by 12/11
The defence can be sent by email as long as it is before 4pm on 12/11.
I would just send it by first class post and get proof of posting, that is enough
2. There is no fee to file a defence and there is no form
3. Yes you will get a CCJ on your credit file if you admit the debt or if it goes to Court and you lose
However if you pay a CCJ within 28 days it can be cancelled and therefore will NOT show on a credit file.
4. No, just the fact you have a CCJ will appear on your credit file - nothing else
Can I clarify anything for you about this today please?
a clarification on your answer for Question 4: In case I lose at the hearing and pay the full amount of the judgment within the required timeline, will the fact that there was a CCJ show on my credit file?
Hi Alex, can you please clarify? thanks
4. Yes but if you pay within 28 days it can cancelled.
cancelled means that it will not appear at all on my credit file or that it will appear as satisfied?
I think it costs £15 to get that certificate from the Court
Does that help?
I would also like a clarification on your answer regarding Question 1
I have read on the below on the HMRC website regarding when a defence id deemed to have been served: Personal service – the day it was handed to the party unless it was given to them after 5 pm in which case it is the following day. First class post – the second day after it was posted. Leaving a document at the correct address – the day after it was left at the address. Fax – the same day if sent before 4 pm on a business day. If sent later, the business day after it was sent. Email – the second day after it was sent.
the information that they provide contradicts your answer
are you absolutely certain that I can send it by 4pm on 12/11?
I found the same information on other websites as well related to small claims, such as https://www.moneyclaimsuk.co.uk/creditor-and-claimant-questions-and-answers/when-is-meant-by-deemed-served.aspx
yes it does