Online Civil Money Claims (OCMC) system, respondent guide

jammiev

Hi, here is an example on what to expect on the OCMC system when responding to a civil money claims from a member of the public/private. I thought it was a simple click to respond but there are several more questions that you have to be ready for! All personal data has been removed and dates have been changed. Any monies or names are refereed to as X. Hope it's helpful!

Your response to the claim

Do you owe the money claimed?I reject all of the claim

Why do you reject all of this claim?I dispute all of the claim

Response details

Why do you disagree with the amount claimed?
I was 17 throughout the events in question in 2024, and only turned 18 in 2025. Under the Minors' Contracts Act 1987, a contract for a loan made with a minor is not enforceable against me. I never signed any written loan agreement, and there was no interest rate or repayment schedule agreed with me personally. Furthermore, the money paid towards the car came from another account.

Comments about their timeline (optional)I was 17 years old, a minor, throughout the entirety of the events surrounding the van purchase in 2024. Under the Minors' Contracts Act 1987, any financial arrangement entered into during this period is not enforceable against me, as this law specifically protects minors from being bound by contracts, including loans, made before they turn 18. before any money was transferred. This undermines any suggestion that this was a clean, agreed loan for a boat that met expectations. On 2024, £x,000 was transferred into my account, but it came from x account, not directly from Mr X. I never signed any written loan agreement, and no interest rate or repayment schedule was ever agreed with me personally. This is a direct, contemporaneous statement.

Your evidence (optional)

Letters, emails and other correspondence
I can provide evidence of a message

Statements of account
I can provide bank statements showing the £x,000 was transferred from my x account to my account.

Availability for mediation

Can the mediator use [phone number removed] to call you for your mediation appointment?
Yes

Can the mediation team use [email removed] to contact you about your mediation appointment?
Yes

Are there any dates in the next 3 months when you cannot attend mediation?
Yes — dates unavailable: 25 Aug; 13-16 Nov; 20 Nov 2025

Hearing requirements

Do you consider that this claim is suitable for determination without a hearing?
Yes/No?

Have you already got a report written by an expert?
No

Do you want to ask for the court's permission to use an expert?
No

Does the claim involve something an expert can still examine?
No

Do you want to give evidence yourself?
Yes/No?

Do you have other witnesses?
No/Yes?

Are there any dates in the next 12 months when you, your experts or witnesses cannot go to a hearing?
Yes — dates unavailable: 21 Aug–18 Sep 2025

Do you want to ask for a telephone or video hearing?
Yes/No?

Tell us why you want a telephone or video hearing
I would prefer this matter to be dealt with by telephone hearing rather than in person, given a pattern of concerning behaviour.

Do you believe you, or a witness who will give evidence on your behalf, are vulnerable in anyway which the Court needs to consider?
No/Yes?

Do you, your experts or witnesses need support to attend a hearing?
Yes/No? — [name and support details removed]

Please select your preferred court hearing location
Mr Blobby County Court And Family Court - Hope Street, Chester

Tell us why you want the hearing to be held at this court
The nearest one

Welsh languageWhat languages will you, your experts and your witnesses speak at the hearing? English
What languages will the documents be provided in? English

Statement of truthI believe that the facts stated in this response are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. The hearing requirement details on this page are true to the best of my knowledge.