What is a...

Garnishee Order

A Garnishee Order is a remedy after judgment that effectively allows your bank to make payments to any third party that you owe money to following a court order.

Will a Garnishee Order appear on my Credit Report?

The Garnishee Order itself won’t appear on your Credit Report, but any associated County Court Judgments can. Court records severely damage your Credit Rating and can make obtaining further credit more difficult and expensive.

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How do Garnishee Orders work?

A court order instructing a garnishee (a bank) that funds held on behalf of a debtor (the judgement debtor) should not be released until directed by the court. The order may also instruct the bank to pay a given sum to the judgement creditor (the person to whom a debt is owed by the judgement debtor) from these funds.

You can use a garnishee order to force a third party who either holds money belonging to the debtor or owes the debtor money. The garnishee order only works once at the moment it is served. If there is no money in a bank account at the time it is served then the order fails. To apply for a garnishee order you have to fill in a copy of Form N349 and send it to the court with the appropriate fee.

Where can I find a copy of Form N349?

The N349 template is available to download and fill in from HM Court Service.

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