Official form guide
Form 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)
This is Form 47.05 from the Courts Service of Ireland. It records a Judgment (or Decree) granted when a claim is settled by default. This applies specifically to debt claims where the Consumer Credit Act 1995 or the EU Consumer Credit Regulations apply.
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Form Overview
Courts Service of Ireland - Form 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)
This is Form 47.05 from the Courts Service of Ireland. It records a Judgment (or Decree) granted when a claim is settled by default. This applies specifically to debt claims where the Consumer Credit Act 1995 or the EU Consumer Credit Regulations apply.
Risk Radar
Scan points- 1Do not submit without the official Court Decree attached.
- 2Failing to specify if the Consumer Credit Act 1995 applies.
- 3Incorrectly stating the amount awarded in the decree.
- 4Not including the case number from the original proceedings.
- 5Submitting it before the judge has signed off on the judgment.
Plain English
If someone owed you money and they didn't show up in court, this form proves the judge ruled in your favour without a full hearing. It locks in that decision as a formal judgment. This is used for debts covered under specific consumer credit rules here in Ireland.
Submission Date
- Filing date: There is no single universal deadline, but submission should happen as soon as the judgment is formally made by the Courts Service.
- Preparation window: collect IDs, supporting records, and signatures in advance.
- Final review: verify names, dates, and required fields before submission.
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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.
Form selector
Use this form or another form?
Debt Claim, but no consumer credit laws apply
The debt isn't related to a specific consumer credit agreement covered by the Act.
✓ Check if the contract specifies Consumer Credit.
Parties attended court and settled out of court
A formal settlement was reached, not a default judgment.
✓ Confirm the outcome is 'settlement' vs 'default'.
The claim involves a company/business debtor
If the debt is owed by a business entity, use the standard commercial claim form unless specified otherwise.
✓ Check the nature of the defendant.
Judgment granted after a full hearing
The court heard evidence and made a decision, rather than ruling because no one showed up.
✓ Confirm if there was a formal hearing held.
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
- 1Ensure the case number from the Courts Service is clearly written on Form 47.05.
- 2Confirm that both parties' names and addresses are fully detailed.
- 3Verify the exact amount awarded in the judgment/decree section.
- 4Check that the date the default judgment was formally granted is accurate.
- 5Sign or digitally sign the form where required by the Courts Service.
- 6If submitting electronically, ensure all fields have been populated (no blank boxes).
- 7Confirm which specific legislation (CCA 1995 or EU Regs) applies to this debt.
How to file this form
- 1Complete all sections of Form 47.05 accurately.
- 2Gather any supporting documents, such as the original claim form or court order.
- 3Sign and date the document according to the requirements for your role (Creditor/Debtor).
- 4Submit the completed form to the appropriate Courts Service office or via the designated online portal.
- 5Keep a copy of the fully executed Form 47.05 for your records.
Known limitations
- 1This form only records the judgment; it does not automatically enforce the debt.
- 2It is specific to Consumer Credit Act 1995 or EU Regulations claims; other types require different forms.
- 3The exact required submission method (paper vs. online) depends on your local Circuit/District Court.
- 4Not confirmed in official source: The maximum allowable judgment amount recorded might have regional variations.
Field map
Compact field-by-field guide
Proceedings
3 items
The names of the parties exactly as they appear on the originating document.
The court record number for the case, if one has been assigned.
The court and the office where the document is being filed.
Substance
2 items
What you are asking the court to do, or the information the form requires.
The facts relied on and any documents exhibited with the filing.
Execution
1 items
Signed, sworn or certified as the form requires, with proof of service where needed.
Almost done reviewing the fields?
Fillable formOpen in Editor->This is Form 47.05 from the Courts Service of Ireland. It is used specifically for recording judgments made when a debt claim goes by default.
What changed or needs a fresh check
- Verify the exact date of issue on the form itself.
- Check if any specific section headers have changed since the last version you used.
- Confirm the reference to S.I. 281/2010 is current.
- Look for updates regarding required signatory fields (e.g., solicitor vs. creditor).
- Not confirmed in official source: Check if any specific penalty clauses have been added.
Quick Facts
Form Details
- Revision date
- 23/10/25
Downloads & source
Sources
- SRCForm Name: Judgment (Decree) By Default...
- SRCIssuing Agency: Courts Service of Ireland
- SRCForm Number: 47.05
- SRCApplicable Law: Consumer Credit Act 1995 / EU Regulations 2010 (S.I. 281/2010)
- SRCNot confirmed in official source: Specific Court Registry acceptance criteria.
Common confusion points
Mistaking a 'default judgment' for a simple 'payment agreement'—they are different outcomes.
Not clearly stating *which* piece of legislation (CCA 1995 or the EU Regulations) applies to the debt.
Failing to specify if the debtor is an individual consumer or a business entity subject to these rules.
Using this form when the claim was settled via a mediation process rather than by one party failing to appear/respond.
Source transparency
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