What is a County Court Judgement?

A County Court Judgement, or CCJ, is a type of court order in England, Wales and Northern Ireland (they’re known as Decrees in Scotland as the laws are different).

When you owe a lender money and do not repay it, they can apply to the County Court to register a judgement against you to claim back their money. The court will look at the case, and if it decides you should pay what you owe, they will take out a CCJ against you.

It’s important you send back all of your court forms and say what you can afford to repay. This is so the County Court can consider your circumstances and your income and outgoings before they make a decision about how the debt should be repaid.

The CCJ will tell you:

  • How much you owe
  • How much you need to repay
  • Who you need to pay
  • The deadline for payments

It’ll be recorded on your credit file for 6 years, which could make it more difficult, or more expensive to borrow money during this time. However, even if you have a CCJ, we could help.

We specialise in finding loans for people who have CCJs or bad credit histories. We look at everyone’s circumstances individually, as we know one size doesn’t fit all, and if we can help, we will.

For more information, read our comprehensive guide to CCJ’s here