47.05 Judgment (Decree) By Default (In Debt Claims In Proceedings To Which The Consumer Credit Act 1995 Or The European Communities (Consumer Credit Agreements) Regulations 2010 (S.I. 281 Of 2010) Apply)

What this form is for

• • Use this form when a creditor wins a debt claim without the debtor actively responding in court.
• • This applies only to claims covered under the Consumer Credit Act 1995 or the specific EU Regulations (S.I. 281/2010).
• • Do not use this if the parties attended court and reached a settlement agreement instead of one party defaulting.
• • Use it when the judgment is granted simply because the debtor failed to defend the claim.

Use this form or another form?

Deadline or filing window

There is no single universal deadline, but submission should happen as soon as the judgment is formally made by the Courts Service.

Before you submit

• • Ensure the case number from the Courts Service is clearly written on Form 47.05.
• • Confirm that both parties' names and addresses are fully detailed.
• • Verify the exact amount awarded in the judgment/decree section.
• • Check that the date the default judgment was formally granted is accurate.
• • Sign or digitally sign the form where required by the Courts Service.
• • If submitting electronically, ensure all fields have been populated (no blank boxes).
• • Confirm which specific legislation (CCA 1995 or EU Regs) applies to this debt.

How to file this form

1. 1Complete all sections of Form 47.05 accurately.
2. 2Gather any supporting documents, such as the original claim form or court order.
3. 3Sign and date the document according to the requirements for your role (Creditor/Debtor).
4. 4Submit the completed form to the appropriate Courts Service office or via the designated online portal.
5. 5Keep a copy of the fully executed Form 47.05 for your records.

Known limitations

• • This form only records the judgment; it does not automatically enforce the debt.
• • It is specific to Consumer Credit Act 1995 or EU Regulations claims; other types require different forms.
• • The exact required submission method (paper vs. online) depends on your local Circuit/District Court.
• • Not confirmed in official source: The maximum allowable judgment amount recorded might have regional variations.