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 local county court and are a way for creditors to claim back the money which they are entitled to.

A CCJ means that the Court had decided how the debt should be repaid to the creditors and that they are rightfully owed this money. This section goes into further details about CCJs.

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.

CCJ Advice Guides

• CCJ Process - The first step of the CCJ process is that a CCJ Claim Form will be sent to you. An Admission Form will also be sent, allowing you chance to respond to the claim and put your side of the story across as to why the creditor is claimed they are owed this money...
• CCJ Court Hearing - The court hearing for a CCJ is simple and is held in private. Here it will be decided whether or not to grant the CCJ based on your evidence from the Admission Form and the creditors view...
• 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 Mortgage – There are CCJ Mortgages available from specialist mortgage lenders who deal with those with a poor credit rating. To be accepted for a mortgage with a CCJ on your file, you should expect to pay a 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 issued. 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 side if you have a CCJ. 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 your creditors, and failure to do so means that your creditors can go to Court 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 to the CCJ court documents after they were issues. 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. This register is what banks and other lending institutions will check when deciding your credit worthiness...