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The release of Registry Trust’s Half Year 1 (HY1) 2021 statistics (see press releases here) showed an increase in the number of monetary judgments of 24% from 378,855 in HY1 2020 to 470,819 in HY1 2021, with a total value of £1.1 billion.

In HY1 2021, the median value of judgments across all jurisdictions was £801, while average value was £2,340.79. This is a decrease in average judgment value of 11% and decrease in median judgment value of 0.6%.

Registry Trust maintains the Register of Judgments, Orders, and Fines for the UK and Ireland. The maintenance of this live Register provides us with an up-to-date picture of indebtedness across each of the seven jurisdictions: England, Wales, Scotland, Northern Ireland, Republic of Ireland, Jersey, Isle of Man and, as of 2020, Guernsey.

Despite 97.7% of all judgments being registered from courts in England and Wales, this blog focuses on judgments in Scotland, Northern Ireland, and Republic of Ireland which account for 71%, 18% and 4% of all transactions when England and Wales judgments are disregarded. This is part of a drive to focus more on consumer and commercial finances in these jurisdictions which (admittedly) often receive less attention.

Scotland (see here for the HY1 2021 stats press release)

Decrees in Scotland accounted for 71% of all transactions across the three jurisdictions (Scotland, Northern Ireland, and Republic of Ireland) in HY1 2021. In Scotland, the number, total value, median value, and average value of decrees against consumers all increased in HY1 2021, compared to HY1 2020.

*The number of decrees registered against Scottish consumers increased 17% in HY1 2021 to 8,043, compared to 6,849 in HY1 2020.

*The total value of decrees also increased from £18.8 million to £23.1 million, an increase of 23%.

*The average value increased by 4.8%, from £2,742 in HY1 2020 to £2,876 in HY1 2021.

*The median value increased 16%, from £1,454 in HY1 2020 to £1,689 in HY1 2021.

Conversely, the number, total value, and average value of decrees decreased against businesses in Scotland in HY1 2021 compared to the same period last year. Meanwhile, the median value increased.

*The number of decrees registered against Scottish business decreased 19% in HY1 2021, to 799 compared to 990 in HY1 2020.

*The total value of decrees also decreased from £5 million to £3.5 million, a decrease of 29%.

*The average value of decrees fell by 12%, from £5,045 in HY1 2020 to £4,438 in HY1 2021.

*However, the median value of decrees increased from £1,422 to £2,108, an increase of 46%.

Northern Ireland (see here for the HY1 2021 stats press release)

Northern Ireland accounted for 18% of all transactions across the three jurisdictions in HY1 2021. The number of judgments against consumers in HY1 2021 decreased compared to the same period last year. The total value, median value, and average value of consumer judgments, however, increased.

*The number of judgments against consumers in Northern Ireland decreased 12%, from 1,900 in HY1 2020 to 1,678 in HY1 2021.

*The total value of consumer judgments increased 10% from £4.2 million to £4.6 million, HY1 2020 to HY1 2021.

*The average value of judgments also increased by 25%, from £2,206 to £2,748.

*The median value of consumer judgments also increased from £888 to £963, an increase of 8%.

The number of judgments against businesses in Northern Ireland decreased in HY1 2021 compared to HY1 2020, as did the total value of judgments. The median and average value of judgments against business increased.

*The number of judgments against businesses in Northern Ireland decreased 24%, from 353 to 269.

*The total value of judgments also decreased, falling 21% from £1.2 million to £976,602.

*However, the average value of business judgments increased by 3%, from £3,521 to £3,603.

*The median value of business judgments also rose from £1,020 to £1,605, an increase of 14%.

Republic of Ireland (see here for the HY1 2021 stats press release)

The number of and median value of judgments against consumers in Republic of Ireland decreased from HY1 2020 to HY1 2021. The total value of consumer judgments and the average value of judgments, however, increased.

*The number of judgments against consumers in Ireland decreased 27% from 632 in HY1 2020 to 462 in HY1 2021.

*The total value of judgments in against consumers in Ireland increased 37% from HY1 2020 to HY1 2021, from €28 million to €38 million.

*The average value of consumer judgments increased in HY1 2021 to €82,154, compared to €43,973, an increase of 87%.

*The median value of judgments decreased 14%, from €6,739 to €7,796.

Meanwhile for judgments against Irish businesses, the number and median value of judgments decreased. The total value of judgments and average value of judgments against businesses, however, increased.

*The number of judgments against businesses in Republic of Ireland decreased 32% from 315 in HY1 2020 to 213 in HY1 2021.

*The total value of judgments against businesses in Ireland increased 49% from €4.3 million to €6.4 million.

*The average value of business judgments increased from €13,545 to €30,050, an increase of 122%.

*The median value of judgments decreased marginally by 0.2%, from €5,856 to €5,842.

As we continue to monitor monetary judgments across the UK and Ireland, a more conscious effort will be made to incorporate statistics focusing on jurisdictions outside of England and Wales as part of our ‘public data for public good’ pledge.

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