Hello, my name is Jim and I am a qualified lawyer happy to help you today.
The defendant has to pay within 14 days. If not then the claimant can enforce the county court judgment (CCJ).
You do not need to accept their offer of installments and you now have a number of ways to enforce, as follows :
1. Apply to court to order they attend a hearing and confirm what they can pay. You do this by filling in and sending form N316 with fee of £55 payable to HMCTS:
2. Instruct court bailiffs to attend and collect. Fill in and send form N323 (https://www.gov.uk/government/publications/form-n323-request-for-warrant-of-control)
A fee of £77 is payable (if you sued online) or £110 (paper method) payable to HMCTS.
Alternatively you can apply to transfer the CCJ to the High Court so that you can use the high court enforcement officers (who have far greater powers than county court bailiffs including seizure of goods to sell at auction and forcing entry to premises). The following company can do this for you and they add their fee to the CCJ sum: https://www.courtenforcementservices.co.uk/services/ccjs-transferring-high-court/
3. If he is employed, apply for attachment of earnings order :
£110 fee payable to HMCTS.
4. Apply to freeze his bank account (if it is in credit) and the court orders the funds to repay the CCJ :
£110 fee payable.
5. Apply for a charging order on his property (if they own it) so the money is repaid when the property sells. You can also apply to force a sale :
£110 fee payable.
As you can see there are a number of options available to you. If you will accept an installment plan then fine - but ensure it is reasonable and not over several years. If he has assets then option 2 would be a good one as high court enforcement officers can seize the assets and sell at auction.
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