CCJ'S DEFAULTS

County Court Judgments (CCJ's) are legal decisions handed down by County Courts. Judgments for monetary sums are entered on the Register of County Court Judgments, which is checked by credit reference agencies to assess the credit-worthiness of individuals.

If the debtor continues to default on a CCJ the creditor may apply for a charging order which would secure the debt on a property. Creditors can also apply for an attachment of earnings which would oblige the debtor's employer to deduct monies from their salary and send them to the court. A Third Party Debt order would oblige a third party who holds money belonging to the debtor (for example a bank) to pay the debt. It is also possible to have the court appoint a Bailiff to collect the debt. A Bailiff is an official of court and has the power to seize goods and sell them at auction to settle a debt.

• If a county court has ordered you to pay an amount of money (called 'having judgment entered against you'), details of the judgment will usually be entered on the Register of county court judgments (called 'registration').
• If the debt is paid within one month of the judgment the registration can be cancelled. If the debt is paid after one month, it is possible to apply for the entry in the Register to be marked as ‘satisfied'. Applications to cancel registration or have the entry marked as satisfied must be made to the county court and must be accompanied by proof and payment of a small fee.

******Warning Most entries stay on the Register for six full years******.

• Organizations such as banks, building societies and credit companies use the information on the Register when someone applies for credit such as a loan or overdraft. It helps them decide whether or not that person would be able to pay off the credit.

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.