Learn About CCJ - The Droitwich Standard

Learn About CCJ

Droitwich Editorial 11th Apr, 2022   0

Being in debt is quite a stressful situation. The reasons for being in debt are various. Debt could be because of enjoying expensive life events while others may root from poor money management or failure to meet payments on time. Whatever the reason becomes, paying debts is a full-time strain for the debtor. If someone owes your money and hasn’t paid you the debt then you can consider consultation of monetary issues from County Courts. Here are how country courts work and their provisions for money issues.

County Court Judgment

Before reviewing the operations of a country court, you need to know what is CCJ? County Court judgments are official and legal verdicts given by the County Court. Matters related to the judgments for monetary amounts are entered on the legislative Register of Judgments, Orders, and Fines, which is tested by credit reference organizations to evaluate the wealth of individuals.

Working of CCJ




You may get a county court judgment (CCJ) or high court judgment if someone takes court action against you, and you have not responded. The judgments issues include responses like how much you owe money, how you have to pay and in what form you would pay back the money, the deadlines for the payment, and to whom to pay back the money.

What To Do If You Get A Judgment?


Most people try to pay the money back to the owner without being involved in any legal action, however, if the debt-installment procedure doesn’t work smoothly from the debtor’s side, then getting a judgment could become necessary. If you get a judgment from the court, it is better to pay back the money in time if you have money, otherwise, you can negotiate with the owner and the court to get the terms and conditions changed or get the money back through installments. If the claim of the money-owner is false and you do not owe any money to anyone then you can apply for judgment cancellation.

If CCJ Gets Ignored

The consequences of ignoring CCJ could be adverse. When you do owe someone money and receive a CCJ, better to take the legal action seriously and return the money as soon as possible, otherwise the court could forcefully make you pay the money through different means. The common methods of enforcement include;

  • A Warrant of Control, in which an evictor may visit to attend your property to collect the balance owed.
  • An Attachment of Earnings, which means your employer could be demanded by the Court to take over the payments directly from your wages.
  • A Charging Order, which can be obtained over any interest you own in a property.

Impact of CCJ

Since CCJ is a legal process, it appears on your records and your credit reports. This becomes a consequence of a lower credit score. Your credit score is often monitored while making any financial transaction or deal, like while renting or buying a house, while starting a business, and while making heavy purchases. Having a judgment shown on your records negatively affects your capability to get a loan, credit card, or even a stable bank account. CCJ remains on your credit account for six years thus compromising your repute for the duration.

Bottom Line

Paying the debts in time is very difficult, however, spending wisely in the first place could save you from the situation. In case you get a CCJ, it is recommended to take it seriously and work according to the given terms so that you get yourself in safe records.

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