Why do I have a county court Judgement?
You might have a county court judgment (CCJ) against you if you owe someone money and a court ruled that you have to pay it back. Your credit rating could be affected if you have a CCJ against you. This means it might be difficult for you to borrow money or get credit, for example from a bank or a shop.
What does Judgement mean on a CCJ?
county court judgment
You may get a county court judgment ( CCJ ) or high court judgment if someone takes court action against you (saying you owe them money) and you do not respond. If you get a judgment, this means that the court has formally decided that you owe the money.
How does the CCJ process work?
If you haven’t paid a debt, or been able to come to a new arrangement with your creditor, they can go to the court and ask for a CCJ. If they’re successful in this, it means that the Court agrees you owe the money they’re asking for. The court will tell you how much you owe, and how and when you have to pay this back.
How long does a county court Judgement last for?
A CCJ will stay on your credit report for six years, even if you pay it off during this time. After six years it will no longer appear on your credit report, even if you’ve not paid it all off by then.
How long do county court Judgements take?
You have 14 days to get the completed N9A or N9B back to the creditor, but the court allows a few days extra for the claim pack to get to you. The exact deadline depends on which court issued the claim.
What happens if I ignore a county court Judgement?
If you ignore the letter or notice, the court will still issue the judgment but they won’t be able to take your circumstances into account. They could, for example, order you to pay back the debt all in one go when it would be impossible for you to do so.
How do I get rid of a county court Judgement?
If you pay the CCJ in full within a month of the judgment, you can apply to have the CCJ removed from the public register and from your credit file. To do this, you need to apply for a ‘certificate of cancellation’ from the County Court hearing centre which issued the judgment, providing them with proof of payment.
How long do county court bailiffs take?
Like all public services, the bailiffs are stretched. It can take some time to be told the appointment date, and the date itself can be quite some time further in the future – usually 4-6 weeks. A County Court Bailiff will then attend the property and carry out the eviction.