What is a CCJ?

CCJ stands for County Court Judgement. CCJ’s are issued by the Court on behalf of a creditor who has obtained judgement against you for the unpaid debt(s) you owe them.

If a CCJ has been issued against you it’s worth speaking to one of our advisors to see if we can help you clear your debts. Complete our contact form now for a call-back

The creditor will usually have pursued you already via debt collectors and having failed to reach a satisfactory agreement for repayment with you, will then have gone to Court and obtained the judgement against you.

You will be given one month to pay the full amount owed and if you fail to do so your CCJ will be added to the Register of County Court Judgements, also known as the CCJ Register. This means that details of this judgement will be added to your credit record once issued by the Court and will be a black mark on your credit status. This may result in you being refused credit or being charged a higher amount of interest for any future borrowing.

Other consequences of failing to make the payments set by the court in your CCJ may include bailiffs calling to seize goods to the value of the debt or a charging order being placed on your property, which means that when the property is sold you must repay the debt first.

If you have received a CCJ, but did not receive any notice of intended Court action from the creditor, then you can apply to the Court for it to be rescinded and hopefully removed from your records.

If you want some help with your debts, speak to us today on 0800 019 2095 or complete our contact form and we’ll call you back.

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County Court Judgments

Updated on 2016-09-28T21:12:23+00:00, by Kristian Stock.