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 form is used to obtain a judgment by default in debt claims that fall under the Consumer Credit Act 1995 or the European Communities (Consumer Credit Agreements) Regulations 2010. It's typically used when a debtor fails to respond to a debt claim in court proceedings.
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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 form is used to obtain a judgment by default in debt claims that fall under the Consumer Credit Act 1995 or the European Communities (Consumer Credit Agreements) Regulations 2010. It's typically used when a debtor fails to respond to a debt claim in court proceedings.
Risk Radar
- Double-check that the debt claim falls under the Consumer Credit Act 1995 or relevant regulations before filing.
- Incomplete debtor information may invalidate the judgment
- Incorrect calculation of the debt amount
- Missing documentation supporting the claim
- Improper service of court documents to the debtor
Plain English
This form helps creditors get a court decision when someone who owes them money doesn't show up in court or respond to the claim. It's specifically for debt cases related to consumer credit agreements like loans or credit cards.
Submission Date
- File this form within the statutory timeframe after the debtor's response period has expired, typically 28 days after service of the claim, but confirm the exact timeframe with the court.
- Preparation window: collect IDs, supporting records, and signatures in advance.
- Final review: verify names, dates, and required fields before submission.
What this form is for
- • Use when the debtor has not responded to the claim
- • Use for debt claims specifically covered by consumer credit legislation
- • Use when you have properly served the claim on the debtor
- • Use when seeking a judgment without a full hearing
- • Do not use if the debtor has filed a defense
Use this form or another form?
| Situation | Likely form | Why it matters | Check before you continue |
|---|---|---|---|
| Full contested hearing | Form 47.01 | For when the debtor disputes the debt | Check if the debtor has filed a defense |
| Summary judgment application | Form 47.04 | For when there's no real dispute about the debt | Verify there's no genuine defense |
| Judgment setting aside default | Form 47.06 | If debtor wants to challenge the default judgment | Confirm debtor has valid reasons |
| Enforcement of judgment | Form 47.07 | After obtaining judgment to enforce payment | Ensure judgment is final and appeal period has passed |
Deadline or filing window
File this form within the statutory timeframe after the debtor's response period has expired, typically 28 days after service of the claim, but confirm the exact timeframe with the court.
Before you submit
- • Complete all sections of the form accurately
- • Include correct debtor and creditor details
- • Attach all supporting documentation
- • Verify the debt amount calculation
- • Pay the required court fee
- • Ensure proper service of documents to the debtor
- • Check that the claim falls under the relevant consumer credit legislation
How to file this form
- 1Complete the form with all required information about the debt and parties
- 2Attach supporting evidence of the debt and service of claim
- 3Calculate and pay the correct court fee
- 4File with the relevant court office
- 5Obtain proof of filing
- 6Serve the judgment on the debtor according to court rules
Known limitations
- • Cannot be used if the debtor has filed a defense
- • Limited to debt claims covered by specific consumer credit legislation
- • May not apply to certain types of regulated credit agreements
- • Requires proper service of documents to be valid
- • Court may set aside the judgment if debtor shows good reason
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✦ Open in AI EditorCurrent Form Status
This form is current and in use as of the latest information available, but always verify the most recent version on the Courts Service website before use.
Agency: Courts Service of Ireland
What changed or needs a fresh check
- • Verify the form number matches the latest version on the Courts Service website
- • Check if recent legislation changes affect consumer credit claims
- • Confirm court fee requirements haven't changed
- • Ensure service requirements remain current
- • Check if online submission options are now available
Quick Facts
Form Details
- Agency
- Courts Service of Ireland
- Category
- Other Court Forms
- Source
- Court Forms ↗
- Revision Date
- 23/10/25
Downloads
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)
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After you file
- • Keep a copy of the filed judgment for your records
- • Monitor for any applications to set aside the judgment
- • Follow up with the court if you don't receive confirmation within expected timeframe
- • Begin enforcement proceedings if the judgment is confirmed and no appeal is lodged
- • Update your records with the judgment details
Source and verification log
- • Form number: 47.05 confirmed from provided information
- • Issuing agency: Courts Service of Ireland confirmed
- • Purpose: Obtaining default judgment in consumer credit debt claims inferred from form name
- • Legislation references: Consumer Credit Act 1995 and European Communities (Consumer Credit Agreements) Regulations 2010 confirmed from form name
- • Submission methods: Not confirmed in official source
- • Current form status: Not confirmed in official source
- • Court fee amounts: Not confirmed in official source
- • Exact timeframes for filing: Not confirmed in official source
Common confusion points
7 things to watch for
- 1
Confusing this form with standard judgment forms not specific to consumer credit
- 2
Uncertainty about which consumer credit legislation applies to the specific debt
- 3
Misunderstanding the proper service requirements for the claim
- 4
Confusion about timeframes for filing after debtor's non-response
- 5
Uncertainty about court fee amounts and payment methods
- 6
Mistaking this for an application to set aside a default judgment
- 7
Confusing this with enforcement forms obtained after judgment
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