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With the vast array of exciting data available freely to investigate, it is important to remind ourselves of the interest and importance of our own. At Registry Trust, we maintain the Register of Judgments, Orders and Fines for the UK and Ireland which gives us access to live data regarding indebtedness. Rather than exploring the relationship between external datasets and our own, this blog takes a look at the characteristics found in monthly breakdowns of our monetary judgments data in the two most recent years: 2019 and 2020. The onset of the Covid-19 pandemic in early-mid 2020 will of course have a huge impact on this comparison.

Note: ‘Judgments’ in this analysis include ones which have been ‘satisfied’ (paid after one calendar month of being on the Register therefore not removed), allowing for greater understanding of records when they initially arrive on the Register.

Key facts:

-The average number of judgments per month in 2019 was 100,136. In 2020 the average number of judgments per month was almost half that of 2019 at 53,727 judgments.

-The number of judgments peaked in 2019 in January at 134,678 and was lowest in December at 82,652. In 2020, the number of judgments peaked in February at 101,364, and lowest in May at 10,830.

-The average monthly total amount of judgments in 2019 was £164,164,791.6. The average monthly amount in 2020 was £120,585,716.7.

-The monthly amount peaked in 2019 in January at £198,752,072 and was lowest in May at £137,875,495. In 2020, the monthly amount peaked in March at £190,407,916 and was lowest in May at £44,234,817.

-The average value of ‘average values’ in 2019 was £1,648.36. In 2020, this increased to £2,449.41.

-The average value of judgments peaked in 2019 in October at £1,864.09 and was lowest in January at £1,475.76. In 2020, the average value peaked in May at £4,084.47 and was lowest in February at £1,736.62.

RT 2019-2020 comparison blog table 1.PNG

RT 2019-2020 comparison blog table 2.PNG

Note: The statistics may vary from previous statistical releases due to the nature of the Register, which is updated daily. This means that the total number of judgments may vary slightly due to the updated version of the dataset. For example, some judgments may have been cancelled (paid within one calendar month of the judgment arriving on the Register), and therefore removed from the Register.

-The largest 2019 to 2020 decrease in month-on-month number of judgments was May (87%), followed by June (78%) and April (76%). February was the only month where judgments increased in 2020 compared to 2019 (4% increase).

-The largest month-on-month 2019 to 2020 increase in the average value of judgments was also May (152%), followed by June (86%), and September (84%). The smallest increase was in December at 8%. There was no month-on-month decrease in average judgment value.

RT 2019-2020 comparison blog table 3.PNG

RT 2019-2020 comparison blog table 4.PNG

Concluding points:

-The total value of judgments generally coincides with the number of judgments i.e., as the number of judgments decreases the total value of judgments decreases.

-The number of judgments decreased across the board (excluding February) from 2019 to 2020.

-The average value of judgments increased across the board from 2019 to 2020.

-The increased value of judgments means a decline in the number of judgments doesn’t decrease the total value of judgments to the same extent as if the average value of judgments remained fixed.

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