Administration order

An administration order is a debt repayment plan arranged by your local county court.

You must have less than £5,000 in unsecured debt, and at least one existing court judgment. If the court accepts your application for an administration order, you pay one payment to the court each month. This is an amount you are able to afford after paying for all your essential bills. The court then pays this to your creditors on your behalf.

There is no set up fee for an administration order. The creditors cannot contact you for payment or add any more interest onto the amount you owe.

If you can only afford a small amount towards your debts the court may also let you apply for a ‘composition order’. This sets a date for the administration order to end. The court only considers this when your current payment on the administration order will not clear the debts in a reasonable amount of time.

The creditor writes off any outstanding debt when you reach the end date that the composition order states.

FAQs

How do I know whether I have a CCJ?

England and Wales > Debt solutions

The easiest way to check if you have a county court judgment is to contact the creditor and ask them.

If you have lost touch with the creditor or are unsure which creditor may have taken out a CCJ, you can request a copy of your credit file. This will show any judgments that were registered in the last six years. There is a charge of £2 to check.

You can also check with the Registry Trust who store information about all judgments. This will cost £8.

How can I check my credit file?

England and Wales > Creditor action > Credit reference agencies

It can be useful to know what is on your credit file, especially if you have been refused credit or you think you have old debts you may have forgotten.

You can get copies of your records with Experian, Equifax and Call Credit for £2 each. Details of how to apply are on their websites.

All three credit reference agencies offer online subscription services, usually with a free trial period.

To check the information held about you by National Hunter Ltd and CIFAS , you will need to pay £10 each. Again, details of how to apply are on their websites