England and Wales · Civil enforcement
When must a non-bank third party notify the court of no or lesser debt?
CPR 72.6(4) requires a served non-bank third party claiming no debt or less than the specified amount to notify the court and creditor in writing within seven days.
- Period
- Within seven days after effective service for the prescribed no-or-lesser-debt notification
- Trigger
- Actual effective service of the interim third party debt order
- Rule
- CPR 72.6(4)
Official Justice UK CPR text and legislation.gov.uk statutory XML retained on October 9, 2026. The retained source metadata and acquisition receipts identify each edition. No claim of later amendments or actual local court opening is made.
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When must a non-bank third party notify the court of no or lesser debt?
CPR 72.6(4) requires a served non-bank third party claiming no debt or less than the specified amount to notify the court and creditor in writing within seven days.
Responsible actor. The served third party other than a bank or building society.
Actual effective service of the interim third party debt order.
Establish the non-bank status and the actual claim of no debt or a smaller debt. The rule describes this notification branch, not a generic bank-account disclosure.
Establish the non-bank status and the actual claim of no debt or a smaller debt. The rule describes this notification branch, not a generic bank-account disclosure.
CPR 72.6(4)How does this provision count time?
- Exclude effective service and include the seventh ordinary final date. Do not add an extra date merely because CPR 2.8 uses the term clear days.
- The court and judgment creditor are separate recipients. A claimed court-office carry does not itself extend the creditor communication; preserve both acts and completion methods.
Exclude effective service and include the seventh ordinary final date. Do not add an extra date merely because CPR 2.8 uses the term clear days.
The court and judgment creditor are separate recipients. A claimed court-office carry does not itself extend the creditor communication; preserve both acts and completion methods.
CPR 72.6(4)What do independently checked examples show?
Fictitious example
The served third party other than a bank or building society. The complete operative event occurred on Friday, October 9, 2026. Exclude that day and include the 7th following calendar date, Friday, October 16, 2026. The required act and any notice recipient are established. Additional fictitious established facts. Fictitious individually specified facts. The listed context makes the actual branch, actors, event history and completion facts explicit. Additional dates below are stated hypothetical facts rather than inferred client records.
| Step | What is counted | Date |
|---|---|---|
| Example 1. Ordinary established facts | The served third party other than a bank or building society. The complete operative event occurred on Friday, October 9, 2026. Exclude that day and include the 7th following calendar date, Friday, October 16, 2026. The required act and any notice recipient are established. Additional fictitious established facts. Fictitious individually specified facts. The listed context makes the actual branch, actors, event history and completion facts explicit. Additional dates below are stated hypothetical facts rather than inferred client records. The complete operative event occurred on Friday, October 9, 2026. Exclude that day and include the 7th following calendar date, Friday, October 16, 2026. The required act and any notice recipient are established. | Friday, October 16, 2026 |
| Example 2. Closed-day boundary | The served third party other than a bank or building society. The ordinary arithmetic reaches Monday, December 28, 2026. The required service, mixed-recipient or statutory act cannot receive an assumed universal CPR court-office carry. Additional fictitious established facts. Fictitious individually specified facts. The listed context makes the actual branch, actors, event history and completion facts explicit. Additional dates below are stated hypothetical facts rather than inferred client records. The ordinary arithmetic reaches Monday, December 28, 2026. The required service, mixed-recipient or statutory act cannot receive an assumed universal CPR court-office carry. | Resolve actual completion and final-day closure before calculating. |
| Example 3. Material procedural branch | The served third party other than a bank or building society. The third party is a bank or building society, not the non-bank objector. Select the bank disclosure procedure under rule 72.6(1)–(3). Additional fictitious established facts. Fictitious individually specified facts. The listed context makes the actual branch, actors, event history and completion facts explicit. Additional dates below are stated hypothetical facts rather than inferred client records. The third party is a bank or building society, not the non-bank objector. Select the bank disclosure procedure under rule 72.6(1)–(3). | Select the bank disclosure procedure under rule 72.6(1)–(3). |
Fictitious established facts. These examples do not establish eligibility, effective service, relief or a direction.
Try these dates in the calculatorWhich conditions and exceptions apply?
- Identified actor and operative event
- Establish the non-bank status and the actual claim of no debt or a smaller debt. The rule describes this notification branch, not a generic bank-account disclosure.
- Provision-specific counting and closure
- Exclude effective service and include the seventh ordinary final date. Do not add an extra date merely because CPR 2.8 uses the term clear days. The court and judgment creditor are separate recipients. A claimed court-office carry does not itself extend the creditor communication; preserve both acts and completion methods.
- Required completion and separate procedural route
- Establish the non-bank branch, written notice, both recipients and actual effective service. This is not the account-search duty imposed on banks and building societies.
- Establish the non-bank status and the actual claim of no debt or a smaller debt. The rule describes this notification branch, not a generic bank-account disclosure.
- A bank or building society uses the search and disclosure duties in paragraphs (1)–(3). This paragraph instead requires written notification of the non-bank third party’s stated position.
What must the responsible actor complete?
Questions about this procedure
When must a non-bank third party notify the court of no or lesser debt?
Does every bank use the non-bank notification paragraph?
No. Paragraph (4) applies to a third party other than a bank or building society. Banks have the separate paragraphs (1)–(3) duties.
CPR 72.6(1)–(4)What position triggers the non-bank written notification?
The served third party must claim that it owes nothing to the judgment debtor or owes less than the amount specified in the order.
CPR 72.6(4)(a)–(b)Is an oral explanation to the creditor enough for paragraph (4)?
The rule requires notification in writing to the court and judgment creditor. Preserve the actual written communication and both recipients.
CPR 72.6(4)Does the hearing date start this non-bank seven-day duty?
No. The duty runs from service of the interim order. The hearing date governs different service and evidence intervals elsewhere in Part 72.
CPR 72.6(4); 72.5Does a within-seven-days duty omit the seventh day as well?
No. CPR 2.8(3) distinguishes the start date from an end defined by a reference event. The ordinary final act date is included.
CPR 72.6(4); 2.8(3), example (iii)Does this notice decide whether the alleged debt actually exists?
It records the third party’s claim. The court’s consideration and any disputed evidence are separate from computing the notification period.
CPR 72.6(4); 72.8Official sources and review
Provisions used (11)
| Provision | Purpose |
|---|---|
| CPR 72.6(4) | Check the identified procedure, event, counting rule or qualification |
| CPR 2.8(2)–(5) | Check the identified procedure, event, counting rule or qualification |
| CPR 6.26 | Check the identified procedure, event, counting rule or qualification |
| CPR 72.6(1)–(4) | Check the identified procedure, event, counting rule or qualification |
| CPR 72.6(4)(a)–(b) | Check the identified procedure, event, counting rule or qualification |
| CPR 72.5 | Check the identified procedure, event, counting rule or qualification |
| CPR 2.8(3), example (iii) | Check the identified procedure, event, counting rule or qualification |
| CPR 72.8 | Check the identified procedure, event, counting rule or qualification |
| CPR 72.6(4); 72.5 | Check the identified procedure, event, counting rule or qualification |
| CPR 72.6(4); 2.8(3), example (iii) | Check the identified procedure, event, counting rule or qualification |
| CPR 72.6(4); 72.8 | Check the identified procedure, event, counting rule or qualification |