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CONSUMER COUNTY COURT JUDGMENTS HOLD STEADY

The number of County Court judgments (CCJs) issued against consumers in England and Wales in the first half of 2019 rose just three percent, to 586,765, compared to the same period of 2018, according to figures released today (date) by Registry Trust.

First half-year judgment numbers were rising every year since 2012’s record HY1 low of 242,965 till 2017’s record HY1 high of 592,522. Though there was a slight dip in numbers in the first half of 2018, this year’s figure is close to 2017’s record levels.

At the same time, the total value of consumer CCJs increased by two percent, compared to HY1 2018, to £848.1million and the average value of a CCJ against a consumer has fallen steadily year-on-year since 2008’s record HY1 high of £3,867 to this year’s new HY1 low of £1,445.

In the High Court 59 judgments were registered against consumers in Q1 and Q2 2019, a drop of 46 compared to the same period of the previous year.

The total value of debt judgments against consumers in the High Court in England and Wales during the first half of the year was £26.5million, a decrease of 80 percent from the first half of 2018’s value of £132.5million, though this changes to a decrease of 45 percent when a single large judgment of £84.5million in the first quarter of 2018 is disregarded.

Registry Trust is the Registrar of Judgments, Orders and Fines in England and Wales (on behalf of the Ministry of Justice). In addition, it collects, verifies and publishes judgment information from jurisdictions throughout the British Isles and Ireland.

It provides its licensed credit reference agencies with regular updates on outstanding judgment debts. This information is a major and sometimes decisive factor in credit ratings.

As well as distributing judgment information under strict licensing to leading credit reference agencies, Registry Trust makes the information it registers available to the public through TrustOnline. This excludes claimant data, which is public and available from the courts, but not centrally registered.

There were 128,326 public requests to search the register for England and Wales online during the first six months of 2019. TrustOnline allows anyone to search for judgments and similar information registered against businesses and consumers in jurisdictions across the British Isles and Ireland.

On behalf of TrustOnline, Mick McAteer, deputy chairman of Registry Trust said: “This data, which acts as a useful indicator of the state of household finances, is essential because accurate judgment information reduces the risk of inappropriate lending and borrowing.

“The number of judgments against consumers is back to near record levels, though the average value continues to fall. It is not clear what explains these trends in England and Wales because centralised data on who is taking the legal actions isn’t available.”

Q1+Q2
2018
Q1+Q2
2019
Change (compared with Q1+Q2 2018) notes
CCJs against consumers
volume 571,555 586,765 +3%
total value £834.2m £848.1m +2%
Average*
value
£1,460 £1,445 [record low] -1%
median £609 £600 -1%
High Court judgments
against consumers
volume 105 59 down 46
total
value
£132.5m £26.5m -80% 2018 figure includes a
single judgment of £84.5m [2017 £24.2m]
2019 figure includes two
single judgments totalling £8.1m
Average*
value
£1.3m
[record high]
£448,913 -64% 2018
figure includes a single judgment of £84.5m
2019
figure includes two single judgments totalling £8.1m
median £29,528 £29,143 -1%

For more information contact

f.byrne@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.