Legal Action and The Courts

We are experts in UK law and court procedure, and can assist you in preventing and defending legal action. If you're concerned about what to do, call us for advice.

Harrington Brooks have a history of saving our clients from the threat of legal action and successfully defending such actions in the court when prevention is not possible. Here we explain the main routes a creditor may take to use court action to enforce the payment of a debt, and the steps we can help you take to prevent this.

Charging Orders »

A Charging Order is the securing an unsecured debt against a debtor's property or other assets. It's a method a creditor can use to enforce a court judgment. It in effect turns a unsecured debt into a secured debt. more»

Default Notice »

A Default Notice is a formal letter sent to a borrower from a creditor when an account is in arrears. Creditors are legally obliged to advise borrowers formally in writing if payments have been missed. more»

Defending an CCJ »

If you fall behind on debt repayments to your creditors, they may apply to the County Court for a Judgment (CCJ) against you to claim payment of the outstanding debt. Harrington Brooks may be able to assist you in preventing this. This means you could protect your credit rating and your creditors would be unable to take further enforcement action to seek repayment of the debt. more»

Final Demands »

A final demand is usually in the form of a letter and sent by a Creditor to a consumer stating that further action will be taken if the terms of the demand are not met.Final demands should not be ignored and the creditor should be contacted immediately to avoid court action. If there are legal proceedings you may also be liable for additional legal costs. more»

Statutory Demands »

A Statutory Demand is a legal notice from the creditor to a debtor giving 21 days to settle a debt otherwise a bankruptcy petition may be issued. Ignore a Statutory Demand at your peril! you may find yourself unexpectedly bankrupt. more»