Apply to the court on form N245 to suspend a county court warrant of control, offering affordable payments. The fee is £16, and help with fees may apply.
See your optionsYou can usually stop a county court warrant of control by applying to the court on form N245 to suspend it, offering affordable monthly payments. The court fee is £16, and you may not have to pay it if you are on a low income. If the creditor objects, the court decides what you should pay, sometimes at a short hearing.
This guide covers England and Wales only, and reflects the bailiff rule changes that took effect on 1 May 2026. It explains the different kinds of “warrant”, how the N245 process works, what to do if the judgment itself is wrong, how to stop a High Court writ, and what your options are if you cannot afford any offer.
A warrant of control is a court order that lets bailiffs (enforcement agents) take control of your goods and, in the end, sell them to pay a debt. The name is used for a few different things, so it is worth checking exactly what you have received.
If a creditor gets a county court judgment (CCJ) against you and you do not pay as ordered, the creditor can ask the court to issue a warrant of control. It is carried out by county court bailiffs, who are HMCTS staff. The creditor pays a £96 court fee, which is normally added to your debt. This is the type of warrant you can suspend with form N245.
If a CCJ is for £600 or more, the creditor can transfer it to the High Court and get a writ of control instead. For CCJs of £5,000 or more, the High Court must be used if bailiffs are wanted. The writ is enforced by a High Court Enforcement Officer (HCEO). Judgments based on a credit agreement regulated by the Consumer Credit Act 1974, such as most loans, credit cards and catalogue debts, cannot be transferred up. They stay in the county court.
Our guide to the different types of bailiffs explains who enforces which debt.
Form N245 is an application to suspend a warrant, or to change the amount you pay under a judgment. You are asking the court to put the warrant on hold as long as you keep to a new, affordable payment plan.
The court sends your offer to the creditor. What happens next depends on how they respond:
If the court decides you should pay more than you offered without a hearing, you normally have 14 days to ask for it to be reconsidered by a judge. Do not miss this deadline.
Hearings are usually short and held in private before a district judge, not in an open courtroom. Some are done by phone or video. You explain your situation and the judge looks at your income and spending.
The judge can suspend the warrant on your terms, suspend it on different terms, or refuse. If the warrant is suspended and you then miss payments, the creditor can ask for enforcement to restart, so only agree to an amount you can manage.
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If the CCJ should never have been made, you can apply to set it aside on form N244. This is different from suspending the warrant. If the judgment is set aside, the warrant falls away with it. Common reasons include:
You need to apply promptly once you find out about the judgment and explain your reasons in a witness statement. The court fee is £321 for an application made on notice to the other side, although Help with Fees may apply. Setting aside is not a way to buy time if you owe the money, and the court can order you to pay the creditor’s costs if you lose. Get advice first. If Lowell or a similar debt buyer got the judgment, our guide on what to do about a Lowell CCJ covers this in detail.
If your CCJ has been transferred to the High Court, you deal with an HCEO rather than county court bailiffs. You can:
High Court fees are higher, so acting early matters. National Debtline’s guide to High Court enforcement explains the stay process step by step.
Once the notice period ends, the bailiff can visit your home between 6am and 9pm. They can take control of goods you own, usually by listing them in a controlled goods agreement that lets you keep them while you pay. They cannot take essential household items, and they cannot take goods belonging to someone else. Our guide to what bailiffs can take lists the protected items.
Not to your home on a first visit. A county court bailiff enforcing a CCJ must get in peacefully. They can only use reasonable force to re-enter if they have already taken control of goods inside, you have broken a controlled goods agreement, and they have given you two clear days’ notice. Business premises used by a sole trader have different rules.
You can still apply on form N245. If your budget shows no spare money, you can explain this and make a small token offer, such as £1 a month. The court will look at your figures and decide. You should also:
GOV.UK has more on your rights when bailiffs visit, and Citizens Advice explains how to change a court order for debt.
For a county court judgment, apply to the court on form N245 to suspend the warrant, with a full budget and an affordable monthly offer. The fee is £16, or less with Help with Fees. If the creditor objects, the court decides the amount or holds a short hearing. Tell the bailiff you have applied, and keep in contact until the court decides.
Not to your home on a first visit. Bailiffs enforcing a county court warrant of control must get in peacefully. They can only use force to re-enter if they have already taken control of goods inside, you have broken a controlled goods agreement, and they have given two clear days' notice. Business premises where a sole trader works can be entered by force.
The court fee for an application to suspend enforcement, including a warrant of control, is £16 under the fee list updated in July 2026. If you receive certain benefits or have a low income and little savings, you can apply for Help with Fees on form EX160 or online, which may reduce the fee or remove it completely.
Bailiffs normally have 12 months from the date of the notice of enforcement to take control of your goods. This period can be extended in some situations, such as when you break a payment arrangement. If a judgment is more than six years old, the creditor needs the court's permission before a warrant of control or High Court writ of control can be issued.
No. Council tax arrears are enforced using a liability order from the magistrates' court, not a county court warrant, so form N245 does not apply. Instead, contact the council and the enforcement company, offer an affordable payment plan and ask the council to take the debt back if you are struggling. Breathing Space or a formal debt solution may also help.
Lowell may sometimes accept payment plans or reduced settlements, but it is not required to write off debts and usually pursues payment, sometimes through a county court judgment and warrant of control. Debts from credit agreements regulated by the Consumer Credit Act stay in the county court. Debts can be written off through a formal solution such as a Debt Relief Order, bankruptcy or an IVA.
Free, independent debt advice is also available from MoneyHelper, StepChange, National Debtline and Citizens Advice.