County Court Judgments (CCJs)

CCJs can cause havoc with your credit record and so your ability to obtain loans.  

These can be avoided by winning in court but, if you find yourself on the losing end of a claim or having a default judgment issued against you as you failed to respond to a claim, you can still avoid having a CCJ on your credit record.

Once a court orders you to pay a CCJ, as long as you pay the amount in full within one month, the court judgment will not end up on your credit record. However, if you delay payment and you pay after the one month limit, the CCJ will stay on your record for 6 years but will be marked as ‘satisfied’ to show you have paid it. If you fail to pay it at all, it will just stay on your record for 6 years without a satisfied marker.

So, if you have the misfortune of losing in court, always be prepared to pay any CCJ in full straight after the hearing if you want to keep your credit record clean.
 

Authors: Nona Bowkis

Published: 01 Jul 2018

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