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Summons

Definition of 'Summons'

A summons is issued as the first step in the court process. It is literally a not-to-be-ignored invitation to attend court.

Summonses are issued usually in an action by someone owed money who is struggling to get repayment. If the matter is heard at court, and if the person receiving the summons fails to defend it, then judgment will follow, which means that the debt is legally enforceable and cannot subsequently be disputed.

A summons entry on a credit report is a bad thing. If it can be seen that a lender has had to resort to court action to recover monies, other lenders will be much less inclined to lend.

If there is a summons on your credit report which has been discontinued or dismissed, then to update your credit report you will need to advise each credit reference agency in turn, providing all supporting documentation from the court.

Summons information is retained on your credit report for 3 years. If you have lodged an ‘Intention to Defend’ with the court regarding the summons, you then need to advise each of the credit reference agencies by sending them an update form together with a stamped copy of the court document. The summons will then be removed from your credit report.

In a higher court, a summons is called a writ.

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