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County Court Judgement (CCJ)

A CCJ is a judgment that a county court issues when someone has failed to pay money that they owe. CCJs are a simple way for creditors to claim the money they're entitled to.

CCJ: The facts

When you owe money to someone, they can apply to the County Court for a judgment (CCJ) against you to claim the money. 

The Court will decide whether there really is a debt to pay. If there is, they will issue a CCJ. This will set out how the debt should be repaid.

Court forms

When someone takes a County Court action against you, you'll be sent a CCJ Claim Form. This court form will explain how much the creditor says you owe them. 

You're also sent an Admission Form. Don't ignore this form - send it back within 14 days. If you're late, the CCJ may be issued anyway in a default judgment

This form is your chance to put your side of the story before the CCJ is decided on.

Our panel of specialists can quickly advise you on what to do if you have received a CCJ. Simply call the team on 0800 088 2147.
Alternatively take the online debt test and find your best solution. Find your best solution with the online debt test


Your CCJ options

You have 5 options:

  • Pay in full You can choose to pay the amount in full straight away (plus any interest and court fees shown). If you do, you don't need to send the forms back. There won't be a court hearing and you won't have a CCJ recorded against you.
  • Ask to pay later or in instalments If you want to offer to do this, fill out the form saying how you'd like to pay. A CCJ will be issued.
  • Dispute the amount owed If you think you owe less than is claimed, send the forms back explaining why. You should pay what you think you owe straight away or ask for time to pay. The Court will decide who is right - you or the creditor. If it's the creditor, they'll issue a CCJ against you.
  • Dispute the claim If you don't think you owe anything, return the Defence Form to the court, setting out your side of the argument. You can ask for more time if you fill out the 'Acknowledgement of Service' form.
  • Claim against the creditor You might think you're owed money instead (if a builder sues you for non-payment, say, but you think he owes you money for breaching the contract). You'll need to fill out the counterclaim form (there may be a fee to do this - ask the Court).

Whatever you do, don't ignore the claim or miss the deadline. 

If you do, the claimant can request a default judgment. You won't get to put your case (or explain your financial circumstances), and the CCJ may order you to pay the money in full at once.

CCJs: What happens in court

The hearing is simple and held in private. You don't have to attend unless you're disputing the claim - the court will consider the evidence in your admission form.

If the court decides you owe the money, it will issue a CCJ. This is a court order saying you must repay the debt, and setting out how (e.g. regular monthly payments).

If you can't pay the CCJ

The court will set your repayments based on information you provide about your income and spending. 

If you don't pay, the creditor can return to court to enforce its judgment - this will incur more costs and could even extend to bailiffs visiting you. 

If you genuinely can't pay a CCJ, you can ask the court to change the amount of your payments, or even suspend them.

The CCJ register

The Register of Judgments, Orders and Fines records CCJs for 6 years.

Banks and other lenders can do a CCJ check against the CCJ register when deciding whether to offer credit. Getting a mortgage with a CCJ or a loan with a CCJ is difficult. Even if you get credit, you may end up paying a higher interest rate.

CCJ help

If you have a CCJ and are being threatened with enforcement action, or you have received notice of a CCJ application then you need to get professional advice as soon as possible.

Expert help and advice when you need it most

Our team of specialist debt advisors can assess your financial situation and personal circumstances, and then recommend the best debt solution available to you. Simply call the team on 0800 088 2147
Alternatively take the online debt test and find your best solution. Find your best solution with the online debt test

Solutions to deal with CCJ's and debts:

Become stress free from as little as £100 pcm
With a Debt Management Plan you could simply pay one affordable monthly payment and no longer have to deal with your creditors..
See if you qualify  DMP eligibilty test
Write off up to 70% of your debt
If you qualify for an IVA you could:
Write off up to 70% of your debt
Freeze all interest & charges
Keep your house

See if you qualify  IVA eligibility test
Scottish Resident?- be debt free in 36 months
Be DEBT FREE in 36 months using Scotland's answer to the IVA.
See if you qualify  Trust Deed eligibility test
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  does not charge you any fees for our service, however the partners we work with help fund the service. Our partners charge fees and those vary depending on the partner and the debt solution. Customers should refer to our partners' websites for more information regarding their services.

We will pass your details on to one of our debt partners who will contact you and explain all the options available to you. They will then be able to help you set up a debt solution which is right for you.

Debt solutions should not be entered into lightly - they affect your credit rating. Failure to keep up with repayments can result in bankruptcy or legal action. Different debt solutions have different risks attached to them.

The lender is not obliged to accept less in settlement of the debt than they are entitled to; nor to freeze interest or charges. It could result in the total amount payable increasing, or the period over which it is to be repaid increasing. Debt solutions affect credit ratings.

The debt products and solutions offered by our partners depend on your criteria and circumstances, including how much you owe and how many creditors you owe money to. You need to speak to a debt advisor to obtain a full assessment.


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