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ENGLAND & WALES CONSUMER CCJs THIRTEEN PERCENT LOWER IN Q1 2021 COMPARED TO LAST YEAR BUT NUMBERS ARE RISING SHARPLY

The number of County Court Judgments (CCJs) issued against consumers in England and Wales in the first quarter of 2021 (Q1 2021) was 234,921, a fall of nearly 13 percent from the 269,023 in the same period last year, according to figures released today (12.04.2021) by Registry Trust.

The total value of CCJs registered fell by 13 percent to £395 million in Q1 2021, down from £454 million in Q1 2020. The average value of judgments was more or less unchanged at £1,681 compared to £1,687 in the same period last year. The median value rose from £750 to £807, an increase of nearly eight percent.

While judgment numbers are down year on year, they continue to rise sharply from the lows seen in Q2 2020 when government and regulator interventions, and forbearance by creditors, in response to the Covd-19 crisis limited the numbers of judgments registered. Q1 2021 numbers are 27% higher than those in Q4 2020, and have increased by 361% compared to Q2 2020.

Looking at the regions, the South West is seeing the biggest increases, up 38% on Q4 2020 and 501% from the lows in Q2 2020.

The number of judgments marked as satisfied fell by three percent, from 49,908 to 48,361. The proportion of judgments satisfied is just 16%.

On behalf of Registry Trust, Mick McAteer, chair said: “Government and regulator interventions, and forbearance by creditors, in response to the Covd-19 crisis were clearly effective at reducing the numbers of judgments registered. But, as we expected, the impact of Covid-19 on household finances is now showing up in the numbers, with marked regional differences. The low proportion of judgments marked as satisfied remains a serious cause for concern as this could adversely affect households’ access to future credit”.

Q1 2020 Q1 2021 Change (compared with 2020)
CCJs against consumers
volume 269,023 234,921 -12.67
total value £453,886,093 £394,914,447 -12.99
average* value £1,687 £1,681 -0.36%
median £750 £807 7.60%
High Court judgments against consumers
volume 77 42 -45.45%
total value £15,130,944 £29,224,166 93.14%
average* value £196,506 £695,813 254.09%
median £49,316 £64,754 31.30%
Satisfactions registered by consumers
volume 49,908 48,361 -3.10%
total value £60,513,056 £60,478,036 -0.06%
average* value £1,212 £1,251 3.14%
median £592 £596 0.68%

For more information contact

press@registry-trust.org.uk

0207 391 7287

www.registry-trust.org.uk

Notes for editors

Registry Trust is the Registrar for Judgments, Orders and Fines in England and Wales on behalf of the Ministry of Justice. The Register includes county court judgments, high court judgments, CSA liability orders, fine defaults and tribunal awards for England and Wales.

CCJs are removed from the register if paid in full within one calendar month of the judgment date, but will otherwise remain registered for six years. If fully paid outside the one calendar month, defendants can apply to have the judgment marked as ‘satisfied’ which will improve their credit rating.

Anyone may search for entries against a named person or business at a stated address or a corporate body in Great Britain, Northern Ireland and the Republic of Ireland by visiting Registry Trust’s website www.trustonline.org.uk or by writing to Registry Trust, 153-157 Cleveland Street, London W1T 6QW.