Who Sent Me PO Box 300 Northampton NN1 2TX Debt Letter?

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If you’re asking the question ‘Who sent me PO Box 300 Northampton NN1 2TC debt letter?’ you’re definitely not alone. I explain why you’d get this type of debt letter and how to deal with it in my post!

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Who sent you the PO Box 300 debt letter?

Northampton County Court Business Centre sends out letters with the address PO Box 300 to inform you that a legal claim has started against you!

In short, a creditor claims you owe them money and is taking you to court over the debt!

Are all PO Box Northampton NN1 2TX genuine?

No. There are reports on the Government website warning people that certain debt collection agencies use fake letters!

The agencies send out these fake letters to scare people into paying a debt to avoid being taken to court.

It’s a tactic that’s totally against the law!

So, when you receive a PO Box 300 Northampton NN1 2TX debt letter, the first thing to do is check that it’s legit!

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How do you check if the PO Box 300 Northampton letter is legit?

You can check if the PO Box 300 Northampton debt letter is legit by contacting Northampton County Court Business Centre directly.

That said, the letter is FAKE if it demands immediate payment and it doesn’t include a form allowing you to defend the claim!

A legit debt letter from Northampton County Court will never ask for immediate payment. Moreover, it will also include a form so you can respond and defend the claim against you!

What does a county court letter mean?

It means you could have a County Court Judgement (CCJ) registered against you. A court may have ruled that you have to pay the money you owe. It will affect your ability to get credit when you have a CCJ on your credit file!

What happens when you get a county court letter?

Once you receive a county court debt letter which is referred to as a County Court Judgement you should take it seriously. Why? Because a court has ordered you to pay what you owe.

If you ignore the letter, it could lead to further action being started against you and you could have to deal with bailiffs!

Check out what happened to one person who posted this message on a popular online forum:

Source: Moneysavingexpert

Why would you get a County Court Letter?

Chances are a creditor has tried to contact you and failed. Maybe you defaulted on a credit card payment or loan instalment. Are you behind on paying utility bills or did you bin a parking ticket?

When you don’t keep up with payments and a creditor can’t get hold of you, they’ll chase you for the money through the courts!

Moreover, CCJs are issued by default if you don’t turn up at court when summoned!

What does County Court Judgement mean?

It’s a court order issued by judges in England, Wales and Northern Ireland which are issued against you when you don’t pay a creditor.

When you receive a County Court Letter, it means a judgement has been registered against you! In short, the claimant requested that an order to pay the money you owe has been granted.

Should you reply to a PO Box 300 Northampton debt letter?

You should respond to the PO Box 300 Northampton NN1 2TX debt letter within 14 days of receiving it. However, if you respond by post, it’s 16 days!

That said, the first thing you should do is check the debt letter is genuine by contacting Northampton County Courts Business Centre! And you should check the details in the letter.

If it doesn’t include details on how to deal with the CCJ but it demands you pay immediately, it’s a scam!

What happens if you don’t respond to a County Court Letter?

A judgement is still entered against you when you don’t respond to a County Court debt letter. As mentioned, a ‘default’ judgement is made against you.

This could allow a creditor to demand full payment of the amount owed!

How should you respond to a Northampton County Court debt letter?

Once you’re satisfied the debt letter is genuine, you should respond in the following ways:

Admit you owe the money
Contest the amount of the claim
Contest the debt

How should you admit to owing the money?

When you respond to the PO Box 300 Northampton debt letter, it allows you to provide information on your financial circumstances. A judge will take the information into account and could help set up an affordable repayment plan.

You’d have to complete Form N9A which is included in the County Court letter you’re sent. The form is known as an Admission Form.

You have to send the N9A Form to the claimant, NOT the court.

The claimant or their solicitors’ address is found on Form N1 that’s also included in the County Court Letter.

That said, if a claimant rejects your proposal to pay what’s owed in instalments, it’s up to the judge to make the final decision on a ‘fair’ repayment plan.

How do you contest the claim?

You’ll find there’s another form included in the County Court letter you receive. It’s a Form N9B which is the form you can use to contest things.

However, you should seek legal advice before you contest the claim so you get it right. In short, you should contact one of the leading UK charities that provide free debt advice!

You have another option which is to accept that you owe the money to the claimant, but that the amount is incorrect.

You can do this by completing forms N9A and N9B and sending both back to the court.

What address do you send the Forms back to?

I’ve listed the addresses that form must be sent back to in the table below:

Form Reference	Where to send the form
Form N9A – Admission Form	Send back to the claimant of their legal representatives details found on Form N1
Form N9B	Send back to the court

What happens after you lose a case?

A judge issues a CCJ if you lose a case against you. The judgement may be either of the following:

Judgement Forthwith which is an order to pay the full amount immediately
Judgement by Instalments which is an order to pay what’s owed over time

If you don’t respect an order to pay, you could end up having to deal with bailiffs (enforcement agents)!

Moreover, if you owe more than £600, the case could be escalated to High Court Bailiffs who charge a lot more!

What debt help is there in the UK?

You can get free debt advice from the leading UK charities. I’ve listed three of the main charities in the list below:

Who sent you PO Box 300 Northampton NN1 2TX?

A PO Box 300 Northampton NN1 2TX letter is sent by Northampton County Court Business Centre because you owe money to a creditor. It means they have filed a claim against you to recover the amount owed.

The first thing you should do is check if the letter is legitimate because there are reports of scammers trying it on.

Once you’re happy the debt letter is legit, make sure you respond within the time limit. You should also seek free debt advice from one of the charities. Their advice could help you get out of debt by getting your finances back on track.