Defining County Court Judgments

If you have a County Court Judgment, or CCJ, against you, you may find it harder to get credit.  A CCJ is issued (in England, Wales and Northern Ireland) when a court decides that you owe someone money, and it stays on your record for six years, flagging up to potential lenders that you may not be creditworthy.

What Are County Court Judgments | Debt Consolidation LoansThe question “Do you have any County Court Judgments against you?” appears on various documents, including on the reference form when you apply to rent a property.

If you have a County Court Judgment against you, it is worth considering:

  • paying it off in full within the first month – you can then get it removed from your record
  • paying if off in full after the first month – you can then apply to have it marked “satisfied”
  • making regular payments – this is recorded and lenders may look upon it favourably

Useful information can be found at https://www.gov.uk/county-court-judgments-ccj-for-debt, where you can also find details about:

  • how to search for County Court Judgments against you (for a small fee).
  • how the law is different in Scotland.

If you are refused credit unexpectedly, check that there are no County Court Judgments against you that you don’t know about – this can happen if the court sends the original notification to the wrong address, for example.

Debt Consolidation Loans are a UK based Debt Consolidation Loans Broker, We can help with any form of Debt Consolidation you may need.

Visitors also read:

debt consolidation for bad credit in UKDebt Solutions
October 22, 2020

What is debt management?

Many people across the UK find themselves struggling with mounting debts, however, all debt problems are solvable with time and an effective plan of action. Becoming debt-free will not happen…
How can my partner and I get out of Debt?DebtFamily Debt
December 1, 2020

How can my partner and I get out of Debt?

How can my partner and I get out of Debt? Why do you want to get out of debt? Seems like a simple question but this is where you will…
Debts-CoronavirusDebt ConsolidationDebt Solutions
April 11, 2020

Debts Coronavirus

Debts Coronavirus 3 tips for managing debt during the Coronavirus pandemic Employment is a big factor that is being impacted amidst the covid-19 pandemic. A lot of people who currently…
Debt Information Explained  | Debt Consolidation LoansDebt Consolidation
June 21, 2020

Debt Information Explained 

Debt Information Explained Debt information explained When it comes to debt, there is a huge number of myths and misconceptions circulating the internet. We explain the myths   It is…
UK Debt Statistics Are You to be Affected | Debt Consolidation LoansDebt Consolidation
March 6, 2020

UK Debt Statistics Are You to be Affected

Are you affected according to the Office of National Statistics, UK residents are in £119 billion of household debt. This doesn't include mortgage debt but does include everything from credit…
Continuous Payment Authorities | Debt Consolidation LoansGuides
October 1, 2015

Continuous Payment Authorities

Continuous Payment Authorities If you’ve never heard of Continuous Payment Authorities (CPAs), you are not alone. And if you assumed that every payment going regularly out of your bank account…

Leave a Reply

five × 2 =