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Overview

188,775 NEW JUDGEMENTS WERE PROCESSED IN Q3 2020, TOTALLING A VALUE OF £577,884,820.

During the period between July the 1st 2020 and September 31st 2020, 97% of all judgements came from courts in England and Wales.

The median value of judgements across all jurisdictions during this period was £767.00, while the average was £2,955.29, an increase of 14.82% and 69.61% respectively. Year on year, the number of judgments decreased by 51.74%.


England and Wales

The number of County Court Judgments (CCJs) issued against consumers in the third quarter of 2020 (Q3 2020) fell over 60 percent, from 290,184 to 112,179, compared to the same period last year, according to figures released today (Oct 29th 2020) by Registry Trust. The proportion of judgments marked as satisfied remains very low at just 5 percent.

The total value of CCJs registered fell by 46 percent to £228 million in Q3 2020, down from £420 million in Q3 2019. But, the average value of judgments rose by over 40 percent from £1,449 to £2,032. The median value also rose from £599 to £784, an increase of 31 percent. Significantly fewer judgments are being issued, but for higher values.

A different picture emerges with High Court consumer judgments. The number rose from 21 to 44, up over 110 percent over the period. The total value also rose significantly from just under £1 million (£970,501) to £8 million, an increase of 736 percent. The median value of High Court judgments rose from £9,722 to £137,426, with the average value also rising from £46,214 to £184,337. The smaller number of High Court judgments means that data can be subject to large fluctuations.

County Court Judgments (CCJs) against businesses in England and Wales fell 58 percent in Q3 2020, compared to the same quarter in 2019, according to figures released today (Oct 29th 2020) by Registry Trust.

The number of CCJs against businesses decreased from 37,589 in Q3 2019 to 15,970 in Q3 2020. The total value of CCJ debt owed by businesses fell by 24 percent, from £106 million to £81 million. The average value of business debt hit £5,063 this quarter, 79 percent higher than in Q1 2019. The median value more than doubled from £902 to £1,919 over the period.

Larger incorporated businesses fared better than small businesses this quarter. The number of judgments against incorporated businesses fell by 64 percent, from 29,571 in Q3 2019 to 10,756 in Q3 2020. The total value of judgments fell by 24 percent from £82 million to £63 million. The average value has more than doubled from £2,790 to £5,844, with the median value up 153 percent from £902 to £2,280.

CCJs against smaller unincorporated businesses also fell significantly but not by as much as those against larger businesses. The number of judgments fell by 35 percent from 8,018 to 5,214, with the total value dropping from £24 million to £18 million, a fall of 24 percent. The average value rose from £2,951 to £3,452, up 17 percent. The median value rose by 15 percent from £1,226 to £1,405.

The number of High Court Judgments against businesses rose from six in Q3 2019 to 50 in Q3 2020, with the value rising from under £1 million to £136 million. The small number of registered High Court Judgments means these figures are subject to large fluctuations.


Scotland

The number of decrees and total amount of debt registered against Scottish consumers fell by 42 percent in the third quarter (Q3) of 2020, according to figures released today by Registry Trust.

The number fell from 4,859 to 2,805, with the total value falling from £13.2 million to £7.6 million compared to the same period last year. The average value at £2,710 saw no real change from the £2,715 in Q3 2019. The median value dropped by nearly 15 percent, from £1,482 to £1,265.

The number of decrees against Scottish businesses also fell, by 35 percent, from 805 to 525. The total value fell by 43 percent from over £3.6 million to just over £2 million. Both the average and median values dropped by 13 percent. The average value fell from £4,435 to £3,863, the median from £1,388 to £1,203.

The number of decrees against incorporated businesses fell by 35 percent, from 670 to 437. The total value fell by 42 percent, from over £2.9 million to just £1.7 million. The average value declined by just over 11 percent from £4,350 to £3,858.

Decrees against smaller businesses also declined, from 135 to 88, a fall of 35 percent. The total value of decrees fell by 48 percent from £655,220 to £342,036. The average value fell by just under 20 percent, from £4,853 to £3,887.


Northern Ireland

The number of debt judgments registered against Northern Ireland consumers in the third quarter (Q3) of 2020 was just 608, a huge fall of 66 percent compared to the 1,781 registered in the same period last year, according to figures released today by Registry Trust.

The fall in the total value of judgment debt owed in Q3 was on a similar scale, a 62 percent drop compared to the same period last year, from £4.3 million to £1.6 million. But, the average value of consumer judgments rose by nearly 11 percent, from £2,417 last year to £2,674. The median value rose by more than one-third from £750 to £1,001. This suggest creditors are taking out fewer, larger judgments against consumers.

The period also saw very large falls in the number and value of judgments against businesses in Northern Ireland. The number of judgments registered in Q3 2020 was just 73, compared to 461 in Q2 last year, a fall of 84 percent. The total value of judgments against Northern Ireland businesses fell from £1.1 million to £457,243 a fall of 60 percent. The average value of business judgments rose steeply, from £2,467 to £6,264, up 154 percent. The story is one of many fewer, but larger judgments.


Republic of Ireland

The number and total value of judgments registered against Irish consumers and businesses saw huge falls in the third quarter (Q3) of 2020 compared to the same quarter last year, figures released today by registrar Irish Judgments show.

The number of judgments against consumers fell by 81 percent, from 678 to just 126. The total value fell by a startling 92 percent, from €57 million in Q3 2019 to €4.6 million in Q3 2020.

The average value of consumer judgments fell by nearly 56 percent, from €83,882 to €36,849 and the median value by 37 percent, from €16,290 to €10,314.

Judgments against Irish businesses fell from 192 to 78, a decrease of 59 percent. The total value registered against businesses fell by 82 percent, from just under €5 million to just €907,346. The average value fell by 55 percent from €26,039 to €11,633.


Jersey

The number and value of judgments issued in the Jersey Petty and Royal Courts against consumers continued to fall sharply in the third quarter (Q3) of 2020, according to data published today by Registry Trust. The total number of judgments issued against consumers fell from 248 to 136, a fall of 45 percent compared to the same period in 2019.

The total value of judgments issued against Jersey consumers fell by 54 percent from £1.1 million to just £513,416. The average value fell from £4,452 to £3,775 a drop of 15 percent, with the median falling by 56 percent from £731 to £319.

Judgments against Jersey businesses saw even sharper falls. The numbers of judgments against businesses in Q3 2020 fell to just eight, a fall of 84 percent from the 58 issued in the same period of 2019.

The value of business judgments registered in the half year was just £57,912, a huge drop of 85 percent compared to the £394,779 in the same period 2019. The average value of business judgments was fairly stable falling 5.5 percent from £6,807 to £6,435, although the median value almost halved from £2,816 to £1,459.


Isle of Man

The number and value of judgments issued in the Isle of Man Courts of Justice against consumers fell sharply in the third quarter (Q3) of 2020, according to data published today by Registry Trust.

The total number of judgments issued against consumers in Q3 2020 was 126, a fall of 81 percent compared to the 678 in the same period in 2019. The value of judgments issued against consumers fell by a staggering 92 percent from nearly £57 million to just £4.6 million. The average value fell by more than half from £83,882 to £36,848. The median also fell from £16,290 to £10,314, a fall of 37 percent.

Judgments against Isle of Man businesses also saw steep falls. The numbers of judgments against businesses in Q3 2020 was 78, a fall of 59 percent from the 192 issued in the same period of 2019.

The value of business judgments registered in the half year was less than £1 million (£907,346), a huge fall of 82 percent compared to the nearly £5 million in the same period of 2019. The average value of business judgments fell by 55 percent, from £26,039 to £11,633, with the median dropping by 14 percent from £7,000 to £5,987.