CCJ

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. According to reports 1716 County Court Judgements were issued every day between July and September 2010 and the average judgement amount was £3,312.

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

Get debt advice now>>

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did not receive any notice of intended Court action from the creditor, then you can apply to the Court for it to be rescinded and hopefully removed from your records.

Complete ClearDebt's online contact form now and one of our advisors will call you to find out the best debt solution for you:

Find out your options>>

If you need further information on your credit rating it's worth reading our downloadable debt guide: ClearDebt Credit Rating Guide.pdf