CCJ – County Court Judgment
A County Court Judgment (CCJ) means that a debtor has failed to pay monies owed to the creditor. CCJs are issued at a County Court and are a way for creditors to claim back the money or goods to which they are entitled. If you are issued with a CCJ, it means that the Court has decided that your creditors are rightfully owed money, and have decided how the debt should be repaid.
Remember, if you are having problems with your debts and are looking for debt advice, Harrington Brooks can help. There are a range of debt solutions on offer which are suitable for all debt levels. For specific legal assistance, we may recommend you seek independent advice from CAB/ Law Centre/Solicitor
CCJ Advice Guides
- CCJ Process - The first step of the CCJ process is that a County Court Claim Form will be sent to you. Response forms are included, allowing you chance to defend the action if the debt is disputed, or admit the debt and propose repayment.
- CCJ Court Hearing - Hearings for County Court action are usually simple and brief, and held in private. Here it will be decided what Order is made depending on information supplied by both Claimant and Defendant.
- CCJ Credit – You may worry that you will no longer be able to get accepted for credit once you have been issued with a CCJ. Although this is not always the case, you may find that credit is lent at a much higher rate of interest.
- CCJ Loan – It is still possible to get accepted for a loan if you have a CCJ. You may find that you only get accepted for a secured loan, as this offers the lender more security on the debt.
- How long will the CCJ remain on my credit file? – The CCJ will remain on your credit file for six years from the date that the Judgment was granted. There are certain circumstances where the CCJ could remain on your credit file for less than six years.
- CCJ Removal – Beware of credit repair agencies who say they can get the CCJ removed from your credit file. There are only certain limited circumstances where CCJ removal can take place.
- Judgment Set Aside - There are only a restricted number of circumstances where you can get the Judgment set aside. It is important that you have a genuine reason for wanting the case to be set aside.
- Enforcing Judgment - A CCJ requires you to make payments to the creditor, and failure to do so means that the Judgment creditor can apply to enforce judgment. There are a number of ways that the CCJ can be enforced.
- Default Judgment – A default Judgment is often passed if the debtor has not responded in time to the Claim form after it was issued. As the Court will not have any details about your financial circumstances, it is likely that you will have to pay the debt in full.
- CCJ Register – The Register of Judgments, Orders and Fines will hold details about your CCJ for six years from the date of Judgment. The CCJ is recorded on your credit file which banks and other lending institutions will check when deciding your credit worthiness.