How to deal with a county court judgment (CCJ)

posted by in Bailiffs, Debt Law

Letter with bad news

Don’t panic if you receive CCJ forms

Now that we’ve all settled back into our work routines and Christmas and New Year is a distant memory, our thoughts turn to boring but necessary duties such as maintaining our finances.

Now that the break is well and truly over, our phone lines are getting busier as people realise how much was spent over Christmas and how long there is still left before payday.

And we’re not the only ones that are busy. Northampton County Court, England’s bulk processing centre for County Court judgments (CCJs), shut for ten days over Christmas, which added to the postal delays meant that a lot of people will only just receiving these types of forms now.

If you’ve received a CCJ, you need to read about the process below, and then contact us or use our online debt counselling service Debt Remedy.

The CCJ process

With this in mind here’s a quick guide on what you should do if you receive county court paperwork, to help you.

  1. The first thing to make sure is that the paperwork you’ve received is actually from the court and not just a threat of action. Letters from debt collectors can be carefully worded and made to look like they are taking court action, when in reality they’re just trying to scare you into making extra payments to them.
  1. Before you receive any court paperwork the original creditor must have issued a default notice. This is a formal letter which tells you how much you need to pay to bring the account back up to date. You should be given at least 14 days to pay it before the account is defaulted (bringing the agreement to an end). If you pay the full amount within this time period, no further action will be taken.
  1. After the default is issued the debt is usually passed on to a debt collection agency. This isn’t always the case and a creditor can apply for a CCJ as long as they have issued a default notice.
  1. If you receive court forms coloured pale blue with a court crest on the top, your creditor has applied for a CCJ. You will receive these forms:
  • N1 (amount owed, creditor and which court is dealing with it)
  • N9A (admission form)
  • N9B (defence form)
  1. If you admit liability for the debt, you will need to complete the N1 and N9A and return them within 16 days. It’s a good idea to send it recorded delivery to make sure it arrives. It’s important that you complete all of the sections fully and make an offer of payment based on your income and expenditure. We can help you to do this.
  1. You only need the N9B if you dispute that you owe the debt. If this is the case you would also need to get detailed advice from us.
  1. The CCJ is registered once you receive a letter titled ‘Judgement for Claimant’ and this will be recorded on your credit file for 6 years. It will specify a monthly amount that you have to pay. If they aren’t happy with the offer of payment or if you don’t respond in time they can ask for the full amount immediately (called “judgement forthwith”).
  1. If they have specified a monthly amount and you maintain this no further action should be taken.
  1. If you don’t maintain the payments or they ask for a judgement forthwith which you can’t pay, the creditor can ask the courts to take further enforcement action such as bailiffs, an attachment of earnings order or a charging order.
  1. If your circumstances change further down the line, it is possible to vary the judgement by completing an N245 form with a more affordable offer of payment.
  1. It may be possible to avoid a CCJ if it would seriously affect your employment. You would need to apply for a Tomlin Order (we can advise you further on this).

Above all, it’s vital to remember that you should always act quickly to respond to any county court paperwork as you’re given a limited amount of time to deal with them.

No matter what time of year it is, don’t panic and get in touch with us straight away so we can support you throughout the whole process.

You can read more about CCJs, how to fill out CCJ forms and what to do if you can’t pay a CCJ on our website.

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Pavan Gata-Aura is a qualified debt advisor with 6 years of experience. She enjoys spending time with her two children, fundraising for charities, has spent time volunteering in Africa and takes part in organised races.

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Tags Bailiffs Debt Law
  • SHah

    Hi,
    Is a ccj next stage after default on the account or a ccj can be applied direct before any default?

  • Salsa

    Hi.
    I’ve received a county court letter last week, that was from my old address ( I know our post lady quite well) I didn’t look at the date on it as
    Assumed it was from
    That day, turns out it was from the week before so I’ve missed the time scale, I’ve looked on my credit file and a Ccu was issued on the 5th of September, what can I do now please and what can I expect to happen as I’m on maternity leave at present and my wages have drastically reduced until next year.

    Thanks

  • Emma

    Hi

    Last September I received notification of a ccj being applied to me for an old car finance and to provide details of my earnings etc. And if I accepted or disputed the debt. I accepted the debt however wrote a detailed explanation of my change in circumstances, that I was moving properties and the address of the new property and also the reasons behind and what I was offering to pay. I didn’t receive a response until February this year which was sent to the new address stating I was supposed to make a payment by December 2015 and failure to pay would result in further action. I hadn’t received any information of what to pay, how to pay or when to pay or even the outcome from my original response to the court until this letter from the solicitors representing the debt. So I phoned the solicitor and left a message and also emailed requesting further information and again asking how to pay as I never disputed not paying, I didn’t get a response. I then moved properties again in June 2016 and emailed the solicitor again requesting further information and also that I had moved and needed to update my details which I again I had no response from. Then a few weeks ago I was forwarded from my old address a letter stating they are going for an attachment of earnings and I needed to complete the form by the 18th August, as it was forwarded i didn’t receive the letter till the 16th so panicked and replied recorded delivery with all the evidence of my attempts made as I never disputed the debt it was the solicitors failure to respond as to why no payments had been made so feel it was unfair to go for the attachment of earnings. I then have arrived home from holiday to have the original paperwork sent back to my current address as I hadn’t completed section 3 employment details which I explained I didn’t know completely in the letter as I am due to start a new job and also a letter had been forward from my old address stating the case has been passed to me local court and a bailiff will be in touch to continue the application for the attachment of earnings.
    Please can someone advise if I have a chance to dispute this? I have made no payments as I have no details on how to pay, I have attempted contacting the solicitors who failed several times to respond which I have evidence of and also the courts have sent paperwork to the wrong addresses twice despite having the details of my up to date addresses.
    Please help?
    Thanks

  • meli

    Hi,

    I need help!

    I need to find out how to pay a CCJ if I dont know who I owe the money to? how do you find this out, how do i know who the creditor is. my credit file is only showing the court and amount?

    • moneyaware

      Hi Meli,

      Thanks for getting in touch.

      If you get in touch with the court the CCJ was issued with they should be able to let you know
      more information about who the creditor is.

      I hope this helps,

      Jen

  • Laura Campbell

    Hi I was wondering if you could help…

    I was issued with a CCJ last June (2015) the first I was aware of it was when I received papers from the court that the postman had delivered to my grandmother’s address as he knew I was out of the country and no longer staying at my previous address. I was unable to pay off the balance in full within the 28 days and wasn’t even 100% sure the debt was correct..none the less I applied for Time to Pay and had been paying it off a 20 pounds a month since last June.

    I have since went on to apply for a mortgage and been declined on the basis that I have a CCJ, I was under the impression that if I was paying it off it would be fine and wouldn’t appear on my credit report…clearly didn’t have a clue. My Mortgage Advisor said I would need to pay off the balance in full in order to have any chance of obtaining another mortgage, so I had to borrow money to pay it off in full today…and wasn’t aware they had added a further 200 pounds “court expenses” onto my debt…so had to borrow over 600 pounds to pay it off…anyway I have a letter from the creditor saying it was paid in full, but I want to know if it’s worth applying for a N244 to have the CCJ set aside under the grounds that all correspondence from the creditor and the courts was sent to my old address…if the postman hadn’t been a friend of my grandmother’s I wouldn’t have had a clue it was going ahead as I moved out of the country 12 months prior!

    Is there any point trying to have the CCJ set aside or will I be wasting another 255 pounds to have the N244 processed?

    Thank you for any help.

    • moneyaware

      Hi Laura,

      I’m sorry to hear about this situation.

      We wouldn’t be able to offer specific advice about whether you
      can get a CCJ set aside on these grounds. This is because the outcome can vary between cases.

      If a creditor used incorrect address details to contact you,
      it’s likely you’ll need to provide evidence that you updated your creditor with your most recent address details.

      If they had access to your credit file that had information about
      your current address – it could be argued that they could have contacted you using this information. There’s no guarantee this would win the case though.

      A CCJ will appear on your credit file for six years before it
      drops off. If you’ve paid the CCJ off in full, your credit file can be updated to reflect that the CCJ is ‘settled’.

      I hope this helps,

      Jen

  • Toby

    Hello,

    Hopefully you can help:

    I have just settled a parking fine debt but i fear it is too late. The debt company said they have already handed the debt to the courts. Does this mean I will definitely get a CCJ? Do you have poor credit for this debt only if the CCJ is issues or can this be occurred simply by the debt company handing over the debt to the court?

    Thanks

    • moneyaware

      Hi Toby,

      Thanks for posting.

      If the debt has already been settled then you shouldn’t receive a CCJ for it.

      If you receive County Court claim forms in the post, you’d need to fill in the N9B form to say the debt has been paid.
      If you’ve got any evidence of this you can send a copy of it too.

      If you missed payments towards a debt and you receive a default – it can affect your credit file.
      You can check your credit file for free using Noddle – https://www.noddle.co.uk/.

      I hope this helps,

      Jen

  • Christophe Lalemand

    Hi
    I found out from credit report I had been issued with a CJ last month. I no longer le at the address the CCJ was issued to but I have mail redirection in place and did not receive any notification. Is any correspondence for CCJ related mater automatically not redirected. Also, how likely is it they a creditor will freeze a bank account as an enforcement method? Thnks

    • moneyaware

      Hi Christophe,

      Thanks for posting.

      A letter from the court should be redirected along with your other post.

      We have information about how to deal with a CCJ, and what to do if you can’t afford the payments here:

      https://www.stepchange.org/debt-info/ccj/dealing-with-a-ccj.aspx

      A creditor is unable to freeze your bank account. However in some cases they can apply
      for an attachment of earnings, meaning that payments to the debt and paid directly from your wages.

      You can read more about this, and when it might happen, here:

      https://www.stepchange.org/debt-info/debt-collection/attachment-of-earnings.aspx

      If you need help or free advice about your debts, please feel free to give our Helpline a call:

      https://www.stepchange.org/Contactus.aspx

      I hope this helps,

      Jen

      • Christophe Lalemand

        Thanks for your response. If they can’t apply to freeze bank accounts, what is a Third Party Order?
        Thanks

      • moneyaware

        Hi Christophe,

        Apologies for any confusion. A creditor is unable to freeze your bank account as a result of obtaining a CCJ, they would need to apply to court for a third party debt order. I’ll edit the comment above to make our response clearer.

        There’s more information on our website about them here: https://www.stepchange.org/debt-info/debt-collection/third-party-debt-order.aspx.

        To answer your original question about how likely this is, the answer is not very likely. They are rarely used and it’s more likely a creditor would use other methods to collect an unpaid CCJ – there’s more information in the link above.

        Kind regards

        James

  • Jason Kelly

    Hello, with your knowledge can you confirm if this is a real court letter? Thanks in advance. Jason Kelly https://uploads.disquscdn.com/images/46b59e0cf6c58510f7813bd251f4ace38720b2de2c8c04cccf7ca83e1b5702f6.jpg

    • Tom Adamson

      I had a very similar letter and still unsure of whether it is real or not. Have you had any more luck finding out?

      • Jason Kelly

        This is the second letter, but doing the research online I am siding towards it being a fake letter. If you have a update let me know Tom. Cheers

      • Dee Licious

        Hi, I had a similar letter from a parking firm. I thought it was fake and it turned out to be real and I now have a CCJ against my name. Being that the CCJ has been filed, do I still have to pay or can I just sit it out for 6 years

      • moneyaware

        Hi,

        Even if you’re unsure whether a letter is fake or not, we’d always recommend looking into it, as a CCJ can have a negative impact on you and should be dealt with as soon as possible.

        If a CCJ has now been registered, the debt should be dealt with as a CCJ doesn’t become statute barred after 6 years, and you’ll be liable for the debt until it’s repaid.

        I hope this helps,

        Rory

      • NDLOVINI1

        Restons Solicitors will always send what looks like copies but get the court to issue you CCJs

    • moneyaware

      Hi there,

      Thanks for posting.

      If you’re unsure whether a form you’ve received from the court is real, it’s best to get in touch with the court listed on the form. If you give them the claim number, they’ll be able to confirm if it’s genuine.

      I hope this helps,

      Jen

  • nauticalnomad

    CJJ in place. Any advice would help?? I have my post forwarded and emailed back to me and im no longer in The UK and dont plan on coming back.. I have unpaid tuition fees which i am being chased for. The university i received no support to study and dropped out of the course and they said they would not discuss this until the course completed.. They discussed it in my absence and said i owe them money and could not resit the course. So i refused to pay it. I have just been issued a CJJ thing via emailed scanned post. What can happen from this and will it get wiped after like 6 or 7 years. I have no intention of moving back to The UK but obviously would like to travel there again. To be honest i cant be bothered to argue about it. I have no property or any ties to the UK at all. Just a bank account with minimal funds. Any advice would be appreciated? If i had not had my post scanned and emailed this would all be in my absence. Can they make judgement in my absense without me accepting guilt on this? Can i argue about this in 10 years time if i wanted to as no one knows what the future holds of course.

    • moneyaware

      Hi there,

      Thanks for posting.

      It’s seen as your responsibility to keep your creditors up to date with your most recent address details. This is so they can contact you about the debt.

      If you don’t respond to a court claim then you’ll receive a judgment in default. So it’s always best to respond, especially if you’d like to defend your case.

      If you have a debt in the UK, there are certain actions a creditor can take to collect the debt from abroad. You can read more about these on our website here:

      https://www.stepchange.org/debt-info/dealing-with-uk-debts-abroad.aspx

      If you’re worried about the debt and would like advice on how to deal with it, please get in touch with our Helpline. You can find out how to get in touch with us if you’re living abroad here:

      https://www.stepchange.org/LivingoutsidetheUK.aspx

      I hope this helps,

      Jen

  • andyborg

    Hi – my daughter has a CCJ awarded against her for a private parking fine. The solicitors (Gladstones) acting on behalf of Private Parking Solutions Ltd., have now written to say that if she does not pay then the Baliffs will be instructed and her £260 “debt” will increase further. The original case and subsequent CCJ was awarded in the incorrect Christian name (Christine instead of Christina) – probably nothing in that from which to throw back, particularly as she has checked her credit rating and the CCJ is now present. Do we pay up, or stick it out? She’s not keen on forking out an unaffordable £260, let alone a potentially higher value! Any advice?

    • andyborg

      Does no-one have any advice or experience they can offer?

    • moneyaware

      Hi there,

      Thanks for getting in touch.

      If your daughter owes the money for the parking fine, and hasn’t paid it, it’s unlikely she’ll be able to set aside the CCJ.

      If you applied for the CCJ to be set aside it’d need to be due
      to legal or factual reasons. For example, if your daughter didn’t owe the money or the debt was for an incorrect amount.

      We have information on our website about how to deal with a CCJ.
      It has information about paying a CCJ, how to cancel it (if possible), and how to change the amount you pay each month if the set payments are too high.

      https://www.stepchange.org/debt-info/ccj/dealing-with-a-ccj.aspx

      We wouldn’t encourage you to ignore it, as this could lead to
      further action being taken by the creditor.

      I hope this helps,

      Jen

  • Dee Licious

    Hi – I need your help. I received a CCJ for a bank loan in February or March 2010, and as a result lost out on a job within the finance sector. I was informed that even if I make the payment it will still stay on my record for 6 years. So I decided not to make the payment. I carried out a credit check on my name last week and found that the same loan has been passed to another debt collector and registered in august 2014. The name on the debt is similar to mine and the address used is not correct as I have never lived at the address. Is this allowed and can I challenge it as it?

    • moneyaware

      Hi there,

      There could be a number of reasons why the debt is showing on your credit file again. Debts (including CCJs) will usually drop off your credit file after 6 years and wouldn’t normally be added again.

      It would be difficult to know why this has been added, so I’d suggest getting in touch with a credit reference agency, or the creditor that the loan was passed over to and try to get to the bottom of this.

      It’s also important to note, that although your debt shouldn’t show on your credit file after six years, this doesn’t mean it’s written off or is unenforceable. Once a CCJ is registered, you’ll be liable for the debt until it’s repaid, and creditors can take further enforcement action to recover the balance (such as bailiffs or an deduction from wages or benefits) at any time if they think you’re avoiding or not repaying the debt.

      There’s often confusion about these situations, as in some cases creditors can’t take further action after six years under a law called ‘The Limitation Act’. However this law only applies when creditors haven’t already taken court action, and in your case a CCJ has been registered.

      Hopefully by getting in touch with a credit reference agency or the creditor you’ll be able to find out more about why the debt has been re-added to your credit file.

      I hope this helps,

      Rory

  • Mr Worried

    Hi there all, Thanks for taking the time to help!

    I just went onto my Experian account and noticed my score has gone from 995 to 618 because of 2 things.

    One because of a defaulted account for Arrow Global (a company I have never dealt with) and the second from a CCJ which looking at the amount is for the same thing.

    The CCJ in Experian is addressed to a previous flat (over a year ago) and I have not received anything at my new address from Arrow or the courts.

    Lastly, the reference on the Arrow Global says it is from an account dated 1998 at an address I have not lived at since around 2004?

    What should I do? Any ideas?

    Thanks.. confused yet hopeful.

    • moneyaware

      Hi there,

      If the CCJ and the debt to Arrow Global are from the same amount, it sounds like it was this creditor that has taken out the CCJ, and quite possibly sent the paperwork to your old address. It’s likely these aren’t two separate debts, but they’ll both show on your credit file.

      Arrow Global are a debt collection company, which means they often buy or deal with debts from other companies, which may explain why you don’t recognise them.

      Creditors normally send paperwork for debts and CCJs to the last known address they have for you, or they’ll try other means to find your latest address and send paperwork. We’ve hear reports recently however, where creditors have sent CCJ paperwork knowingly to old addresses, and people have been unaware of this happening. If this is the case you could to look at a process called ‘setting aside’ a judgment – you can read more about this on our website: https://www.stepchange.org/debt-info/ccj/cant-pay-a-ccj.aspx.

      It would be difficult to know whether the debt was still enforceable without knowing more about the type of debt that Arrow Global were dealing with. Some debts are subject to the Limitations Act, which means a creditor can’t take court action (such as a CCJ) if you’ve not paid or acknowledged a debt for over 6 years. However this depends on the type of debt, so we’d recommend reading our article on this here: https://www.stepchange.org/debt-info/can-i-write-off-debt/statute-barred-debt.aspx

      Hopefully reading over the process for CCJs and statute barred debts will help you decide how you’ll deal with the debt.

      I hope this helps,

      Rory

      • Mr Worried

        Thanks for getting back to me so quickly.

        So, it looks like I need to set aside the judgement. How do I find out more about the CCJ? All I know is the little bit of info on my Experian Credit report?

        And then about the Arrow debt. How do I find more about it and if I enquire, am I admitting to anything by doing so?

        The only thing I think it could be would be a student overdraft from at least 15 years ago given the address that is used on the Arrow entry.

        Thanks again.

      • moneyaware

        Hi,

        You won’t be admitting to the debt by enquiring about it, and even if you make an admission or payment to a debt that is already statute barred, this doesn’t make the debt ‘un-barred’ (so to speak).

        CCJs are registered with the registry trust, available at http://www.trustonline.org.uk/ – there’s a fee to pay to get more information, so it may be better to get in touch with the creditor directly and find out more information on the original debt.

        There’s lots of advice on dealing with CCJs on our website: https://www.stepchange.org/debt-info/ccj.aspx

        Setting aside a CCJ isn’t something we could offer specific advice and help with, as it’s often more complicated and often you may need further advice. However there’s lots of information out there online, and help on the GOV website: https://www.gov.uk/county-court-judgments-ccj-for-debt/if-you-dont-owe-the-money

        Kind regards

        Rory

      • NDLOVINI1

        Recently I was notified by Land Registry that a Charging Order application had been made against my property. Reading through various forums I got the impression you can only get a Charging Order after a CCJ had been issued by the Court. You get court papers which you must respond to or get a default judgment against you. In my case it was peculiar because I never received claims papers nor even a copy of the judgment. I have made several requests to the court but got no response. I have debts with Arrow Global who have instructed Restons Solicitors to act for them. The debt has now trebled and according to Restons they got a ‘forthwith’ default judgment. It is quite alarming to find that Creditors can get a CCJ issued by the court without informing you. Has anyone had a similar experience?

      • moneyaware

        Hi there,

        You’re right in saying that a creditor can only apply for a charging order once a CCJ has been granted, it’s also possible for them to do this even if payments to a CCJ are up to date. However this is only the case if the CCJ was taken out on or after 1 October 2012.

        You can read more about charging orders on our website here:
        https://www.stepchange.org/debt-info/debt-collection/charging-orders-and-my-home.aspx

        We’ve heard of more cases recently where people haven’t had any contact with creditors about a CCJ. Usually creditors will contact your last known address, or the address on your credit file when sending paperwork. However, if this hasn’t happened and you think you have a case, you could look at ‘setting aside’ the CCJ on the grounds that you didn’t receive any paperwork.

        There’s no guarantee that the court will agree to set aside the judgment, and it will usually cost you money to do this. If the court rules in your favour then setting aside the CCJ will leave you in the same situation you were before the CCJ was taken out. The creditor could re-apply for the CCJ, and you may then be back where you started, unless you can settle the debt in full before the CCJ is granted.

        Setting aside a CCJ is a complicated process and you may need advice to do this. You’ll find various places with information on how to do this online on the .GOV website and also on our website at https://www.stepchange.org/debt-info/ccj/dealing-with-a-ccj.aspx

        It may be easier to contact the creditor first, to see where the CCJ paperwork was sent and to discuss this with them. This might help your decision and could save you time and money before you decide to either set aside the CCJ or to set up a payment arrangement for the debt.

        I hope this helps,

        Rory

      • NDLOVINI1

        Thanks for the advice Rory.
        I am however petrified of Restons solicitors, hence only communicate with then in writing. I have made my research and concluded a ‘set aside’ would be futile. It is also too expensive. I have tried to get the court to send me copies of both claims and judgment but hit a brick wall. No response. My feeling is that the paperwork was never sent. I have read somewhere, and it states that ‘either the creditor or the court will send out the claim papers’ If such is true then our Laws need to be revamped. I wouldn’t expect Restons solicitors to give me a chance to challenge them by denying the debt.

      • moneyaware

        Hi there,

        If you’re not looking to apply to set aside the CCJ, and are admitting liability for the debt – then you should look to set up a payment arrangement with the creditor for the CCJ using an N245 ‘Application for suspension of a warrant and / or variation of an order’.

        The N245 form is to be completed when a CCJ is in default or ‘forthwith’, meaning no arrangement has been made to pay by instalments. If left like this, the creditor could take further enforcement action such as Bailiffs or a deduction from wages or benefits. Although this likely won’t prevent the creditor from applying for the charging order, it’s a good idea to set up a payment and have it agreed by the creditor and the court.

        The N245 will left you offer an amount you can realistically afford to pay towards the debt, and can prevent further action if you keep up with the payments.

        If the creditor does decide to proceed with a charging order, there are several stages to this and you’ll receive letters and information about each of these. If you need help, you can contact us or read the advice on out website at https://www.stepchange.org/debt-info/debt-collection/charging-orders-and-my-home.aspx

        You can also read about CCJs and N245 forms at https://www.stepchange.org/debt-info/ccj/dealing-with-a-ccj.aspx

        If you still need help, or you’re worried then please get in touch with us, as debt advice can be complicated and worrying at times.

        You can find out how to get in touch on our website at http://www.stepchange.org/contactus.aspx

        I hope this has helped,

        Rory

      • NDLOVINI1

        Thanks again Rory
        I am dealing with tough guys who will stop at nothing. First they realised I was reluctant to pay my debt after it was increased from £255 to £960. The other debt was £700 but now has rocketed to £2300. I needed them to explain how we got to where we are. I did try to get them to agree to take token payments which they flatly refused. They managed to get ccjs, and quickly proceeded to get a charging order, knowing I was still in the dark ( not knowing about the claims, judgment etc)
        It is an understatement to say I admit the debt( i don’t) I have been ordered by the court to pay three times what I owed. If Restons had played fair I would have defended part of the claim, I wouldn’t be having ccjs. I have indeed completed form N245 and asked the court for a variation to allow me to pay in instalments. Restons will never accept anything less . They want to be paid what the court ordered. on 05/10/16. £3369 paid forthwith. They have threatened further enforcement action. I have , however started making small payments.

      • NDLOVINI1

        Thanks Rory
        In your reply you advise me to ‘contact the creditor……, to see where the CCJ paperwork was sent and to discuss this with them.’ Why the creditor? Who sends out the claim form to the debtor?

      • moneyaware

        Hi there, the courts send the claim for at the request of the creditor or their solicitor. So the court will have used address information supplied to them by your creditor.

        Kind regards

        James

  • Annette

    Hi ive just noticed a ccj due to me starting a job and them doing a check i have a code but that is all how do i find out who its with and how to pay if you could email me on ataylor36@live.co.uk

    • moneyaware

      Hi there,

      Often the quickest way to find out more is to check on the Registry Trust website at http://www.trustonline.org.uk as they hold a record of judgments.

      Sometimes there’ll be a debt showing on your credit file that has the same balance as the CCJ, which could correspond to the creditor that took the judgment out. This might help you find out more information.

      Once you know who the creditor is you can start to take steps to deal with the CCJ. If you’re unsure what to do, visit our website at https://www.stepchange.org/debt-info/ccj.aspx for more information, or for expert help on dealing with your debts.

      I hope this helps,

      Rory

    • Dee Licious

      Hi Annette,
      You will need to contact the courts to find out who issued the debts…

  • Suleiman

    Hello,

    I recently retrieved mail from a very old (7 years old) former address to find that notices and a claim form had been sent there, resulting in a CCJ on 16/09. I am not resident in the UK and have not been for 7 years. I do not own any UK property whatsoever.

    My last payment on this debt was on 20/09/10. It appears the creditor managed to get the CCJ in just before the debt became statute barred.

    Though I am not resident in the UK, the CCJ may affect me professionally, so I am exploring two options.

    1. Propose full and final settlement conditional upon: (i) set aside with consent and (ii) consent order to dismiss court proceedings.

    OR

    2. Without consent or any communication with the creditor, file N244 for set aside on the basis that (i) I have not been resident in the UK for 7 years, did not receive claim form and so could not submit any defence, and (ii) debt is statute barred (if set aside is granted, last payment/acknowledgement would now be 73 months in the past).

    My question: is my assumption in (2) correct, that the clock is only reset by the judgment not by the commencement of the claim process? If not, then (1) would appear to be the wiser route.

    Please offer some insight. Thanks!

    • moneyaware

      Hi Suleiman,

      It’s hard to predict whether a court will agree to set aside a judgment or not. A lot depends on the circumstances of your case. However, I can say that you’d only be able to set aside a CCJ on the basis of it being statute barred if the debt was statute barred at the time the CCJ was granted.

      It may be that you’d need legal advice to get a full answer to your questions. There’s some useful information on the Citizen’s Advice website about finding a legal advisor: https://www.citizensadvice.org.uk/law-and-rights/legal-system/taking-legal-action/using-a-legal-adviser/#h-finding-a-legal-adviser.

      Kind regards

      James

  • Hayley Walker

    hi.
    i recently tried to rent a property and was told due to an undeclared CCJ i was ineligible. i have checked my credit score and there is a CCJ that was sent to me previous address that i have not lived at for 2 years. i have checked on http://www.trustonline.org.uk and it says that nothing is registered to me so what can i do and this is really affecting my score. thanks

    • moneyaware

      Hi Hayley,

      Credit reference agencies get their information about CCJs from the same place that trustonline get their data, so it’s very strange that one shows a CCJ and the other doesn’t.

      It may be worth contacting the credit reference agency and asking them if there’s been some sort of mistake. Alternatively, if your copy of your credit history shows the court name and the reference number you could contact the courts and ask them to make sure’s it’s valid.

      If the CCJ was added to your file in error then it should be fairly simple to get it removed. If the CCJ is valid then it may not be possible to remove it. You could apply to have it set aside, but it’s not always easy to prove you meet the crtieria for this to happen.

      There’s some more information on CCJs on our main website here: https://www.stepchange.org/debt-info/ccj/dealing-with-a-ccj.aspx.

      Kind regards

      James

  • jordan wagner

    I’ve recently been brought some mail from my old address from the post man that the person living at my old address has put not known at this address. in it was a letter from the courts saying i have had a ccj and that i must start paying £50 a month. i would of attended the court and settled it if i knew it was going ahead. do you think they would remove it as i had no idea it was going on??

    • moneyaware

      Hi Jordan, it would be difficult for us to say for definite whether the courts would accept this as a reason for a defence, as creditors will normally use your last known address for any letters, and it’s your own responsibility to update this with them.

      We’ve seen situations recently where creditors have sent letters and court forms to old addresses even when someone has given a new address, and in these situations it could become more likely that this is a reason for ‘setting aside’ a judgment.

      If you did decide to try and set aside the judgment on these grounds, it could end up costing you money and there’s no guarantee of success. Even if a CCJ is set aside, creditors could then apply for a new CCJ, which could leave you in the same situation.

      If you’d like to deal with the existing CCJ, we can offer help and advice on this. You can visit our website at https://www.stepchange.org/debt-info/ccj.aspx for more information.

      Kind regards

      Rory

  • Jodie

    Hi, Ive just been on credit expert to see if my rating has got better and its down to 143! Im so shocked. I have defaulted on my mobile (all up to date now) and I am behind on some payments to Provident (which we are trying hard to pay back after a bad year) However Ive just noticed that a CCJ I have been paying monthly on time by direct debit for the past 4 years is logged as default too. The payments on it are showing that I owe less but surely it defaulting means that its having an adverse effect on my rating. It is with Bryan Carter Solicitors. How can I change this?

    • moneyaware

      Hi Jodie

      We’re sorry to hear that you are struggling with your credit
      rating. Unfortunately each of the debts you have mentioned will likely have had a negative impact on your credit rating
      and this may explain why your credit score is low.

      The defaults on your mobile and credit card could have had an impact, but the CCJ will probably be the biggest factor. Unless a CCJ is paid within 30 days of the judgement it stays on your credit file for 6 years, if you make a payment arrangement which you have done, it still shows on your credit file.

      You read more about CCJs on our website here: https://www.stepchange.org/debt-info/ccj.aspx

      If you are struggling with debts you can’t repay then we can
      help, use our Debt Remedy tool:

      https://debtremedy.stepchange.org/quickassessment.aspx

      This should help you assess your situation and it will then help suggest some solutions so you can work towards getting your credit score back on track.

      Becca and the StepChange Debt Charity Team

  • Rose

    I would be grateful for any advice please.

    I am in a debt management plan set up with CAB ( active for a few months now) due to a change in my financial circumstances. All of my creditors agreed to my proposed payments except my previous energy provider. In July they sent out a CCJ form. I sent this back to them as instructed by the due date but I have not heard anything since and I’m quite worried about it. Is it normal to have not heard back yet? It’s been months…

    Thanks

    • moneyaware

      Hello Rose

      Thanks for your query.

      If you haven’t heard back from your creditor about your CCJ then we recommend:

      • Speaking to your creditor to find out why you never heard from them
      • Checking your credit file with a credit reference agency like Experian, Equifax of Callcredit.

      Callcredit have a website called Noddle which is free to use: https://www.noddle.co.uk/

      Once you’ve done this you’ll know what to do next, and whether the creditor has accepted her offer of payment. Be aware that the CCJ will show on your credit file. If the creditor hasn’t accepted your payment or got your paperwork back you should take steps to deal with it as soon as possible.

      Speak to your DMP provider for advice, or read more about CCJ’s on this page: https://www.stepchange.org/debt-info/ccj.aspx

      Kind regards

      Becca

      • Rose

        Hello Becca

        Thanks for your reply. I checked my credit report and the company doesn’t show up at all and it says I have no CCJs to date. I sent the form back to the company by recorded delivery and it was signed for at their end. I thought it might be that they had rejected my proposed payment and that it has since been passed to the courts. I just didn’t think it took so long

      • moneyaware

        Hi Rose,

        This sounds odd. Becca mentioned that you could check your credit file (usually for free) which is a good place to start, but if you want to be absolutely sure then you can also check the Registry Trust website at http://www.trustonline.org.uk/. This website holds a list of all judgments, and you can search for a copy of any CCJs registered for a small fee of around £5.

        This should tell you whether the creditor has issued the judgment, and if they haven’t and you’re concerned in any way we’d recommend you make a formal complaint, in writing to the creditor.

        We have seen cases where creditors have sent forms for CCJs that aren’t real, and creditors shouldn’t be doing this.

        If you need any further help, please feel free to get in touch with us at http://www.stepchange.org/contactus.aspx

        Hope this helps,

        Rory

      • Rose

        Thank you Rory. It has crossed my mind about the form being fake. It specifically said to return it to the company itself and not to send it directly to the court. This may be the usual procedure but Iv never been through this before so I was unsure. I do find it all rather odd though!

  • PHIL

    I would like so advice please.
    I have a ccj and are paying the creditor but I have moved do I have to inform them or if I don’t is it against the law.

    • moneyaware

      Hi there,

      We’d always encourage you to keep your creditors up to date with your latest address details. It’s seen as your responsibility to let them know about any addresses changes so they can send you information about your debts.

      I hope this helps,

      Jen

  • Emloo O’sullivan

    hi i have just registered with noddle and noticed on my credit file it shows a barclay card account with a balance of over 2400 pounds when this account was in fact sold over to p r a group and the balance was in fact 2120 pounds. I now have a defaulted barclay card of 2400 and a p r a group of 2120 when they are in fact one account. please advice

    • moneyaware

      Hi there,

      Thanks for posting.

      If something is incorrect on your credit file we’d suggest getting in touch with one of the credit reference agencies to let them know. They’ll be able to offer you advice on how it can be corrected.

      I hope this helps,

      Jen

  • Aman

    Hi,
    I have been informed by my mother that yesterday through the post arrived a letter addressed to me which had documents called a Claim form for a CCJ. It included multiple forms.

    However I am currently residing out of the country in Dubai and have been for a short while now. I am not due back into the UK until next year. She is unable to fully read or understand the documents and she does not have any means of scanning them for me to send them to me.
    I don’t understand the process and what to do now, can you please help?

    • moneyaware

      Hello Aman,

      Sorry to hear you’re having problems with a CCJ, you can read more about them on our website so you can understand what they are and how to deal with them:

      https://www.stepchange.org/debt-info/ccj/dealing-with-a-ccj.aspx

      As you are abroad, we would recommend that if possible she scans them in at a local library or posts them to you, so that you can read through them and get a clearer view of the situation. Usually you would need to reply to the CCJ within a few weeks or you risk a ‘judgement by default’ for not replying.

      Hope this helps.

      Becca

  • Denny

    I had a parking ticket from parking on private land back in May, for I read up on all the advice, most being don’t pay and it will go away aventually if it’s not from the council, a couple of weeks ago I received a letter from Gladstones solicitor threatening court action, I read what some others had done, it also looked fake so ignored that too, then today I received what looks like legitimate county court papers totalling the amount of £230!!!! It doesn’t say to send the money to the courts its stating to send it to Gladstones, high Leigh park, Warrington, also a claim number along with a Northampton address and court phone number of 0300 123 1056. I need some advice as being a single parent currently on benefits due to breast cancer I can’t pay and the forms are so complex I couldn’t fill them in if I tried!!

    • moneyaware

      Hi Denny

      Sorry to hear this, if you need help dealing with a CCJ and filling in the forms we have lots of information on our website which should be able to help you:

      https://www.stepchange.org/debt-info/ccj/dealing-with-a-ccj.aspx

      If you are dealing with a wider debt problem, and feel you need some advice we can offer you free and impartial debt advice as well, either online through our debt remedy tool, or by phone just go to our website:

      https://www.stepchange.org/

      Thank you

      Becca

  • Wankie Mcchuckles

    Hi, i have received a letter from shergroup enforcement saying that i havent paid my ccj and they will be instructing a bailiff to call and remove property etc. The thing is i have received absolutely no paperwork from the court stated in the letter. (northampton) I wasnt aware that anything was going to court. Where do i stand in this sitauation, as if i knew about the ccj i would have been in contact with the court and made an agreement to pay.

    • Becca Drury

      Hello

      Thanks for sending us your query and sorry to hear that you have received this letter.

      The first thing you should do is check that the letter is genuine, we would suggest that you contact the court which deals with these kinds of claims, you can get the contact details and more information here: https://courttribunalfinder.service.gov.uk/courts/county-court-business-centre-ccbc

      If the ccj is genuine, it’s possible that the debt was escalated to county court by a creditor. You should have been sent an N1 claim form by the court to fill in and sent back. It’s an income and expenditure form where you detail what you can afford to pay towards the debt each month – you typically get 19 days to return paperwork to Northampton.

      Once a bailiff gets involved with a County Court judgment, you will need to fill in an N245 form to negotiate a payment with the court. Information on what the N245 entails can be found here: https://www.stepchange.org/debt-info/ccj/dealing-with-a-ccj.aspx

      Should a bailiff turn up at the property, it’s important that you don’t let them in. Once a County Court bailiff gains access to your property, they then have the right to come back and levy goods to sell at auction. You can read more about them on our website, and our information should give you a better understanding of what they are permitted to do:
      https://www.stepchange.org/debt-info/debt-collection/bailiffs-and-debt-collectors-differences.aspx

      If you are struggling with debt we offer free online advice through our Debt Remedy tool: https://www.stepchange.org/DebtRemedy.aspx

      Thanks
      Becca

  • Numan Miah

    Getting letters under my name and another to pay a fine for car parking fines but its not me, i told dval about it but its still the letters are comeing i never ever had a car in my life. Can someone help.

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