What is a CCJ

A County Court Judgment (CCJ) is a type of court order in England, Wales and Northern Ireland that might be registered against you if you fail to repay money you owe. Find out more about what to do if you receive a County Court claim form. A CCJ is sometimes referred to as a County Court Summons, and in Scotland the process is called enforcing a debt by diligence.

If you pay off a CCJ in full within 30 days of receiving the judgment, you can apply through the court to have it removed; otherwise it will remain on the Register for six years.

This record can seriously affect your ability to get a mortgage, a credit card or even a bank account in the future. This is another reason it’s important you don’t ignore a County Court Judgment.

TYPES OF DEBTS WE DEAL WITH

HOW A CCJ IS ISSUED

AVOIDING A CCJ

RESPONDING TO A CCJ

AVOIDING A CCJ

CONSEQUENCES OF A CCJ

AVOIDING A CCJ

Customer Feedback :

TAKE THESE CCJ HELPS'S EXPERT STEPS

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STEP 1

Do NOT let them into your home

You are not obliged to let a bailiff enter your home or business premises and doing so could give the bailiff more legal powers, so don’t let them in!

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STEP 2

Do NOT be intimidated

Typically, the bailiff’s bark is worse than their bite. They may sometimes try to intimidate you to get what they want, but you don’t have to respond to their intimidation.

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STEP 3

Do NOT sign anything

The bailiff may want you to sign an agreement such as a CGA (Controlled Goods Agreement). Doing so could also give the bailiff more legal powers, so don’t do it!

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STEP 4

Contact Bailiff Expert

We know that every case is different and yours will be too. Our experienced caseworkers can talk to you about your situation to give you the best advice for you.

Speak to a CCJ HELPS expert!

CCJ Helps Expert’s advice line is free and confidential. Call us on 0333 577 2077 or fill in the callback form and we will call you.
Stop CCJ Helps. Regain Control.

FAQs about CCJ Helpers

These are some of the most common questions we are asked about CCJ HELPS:

Why you might get one:

You can get a CCJ if you don’t respond to a court claim or if the court finds you liable for a debt.

How it affects your credit:

A CCJ will appear on your credit report and negatively impact your credit rating, making it harder to get loans or credit cards.

How long it lasts:

A CCJ will stay on your credit report for six years from the date it was issued, even if you’ve paid it off during that time.

What happens if you don’t pay:

If you don’t pay a CCJ, the creditor can take further action to collect the debt, such as wage attachment or attaching assets.

What to do if you get one:

You should respond to the claim form within the deadline (usually 14 days), and you can either dispute the claim or admit it and offer a repayment plan.

Can you get it removed?:

You can request to have a CCJ removed from your credit file if you can prove it was mistakenly issued, or if you’ve paid the debt in full.