What is a CCJ?
An England & Wales County Court Judgment (CCJ) is a judgment issued by a county court if you fail to repay a monetary debt and the creditor has taken court action.
Most monetary CCJ’s will appear on the Register if:
• issued in default (where no defence was entered)
• a defence is entered and payment is agreed by instalments
• the judgment has to be enforced
For the full list of criteria please refer to the latest statutory instrument relating to the Judgments, Orders and Fines Regulations.
When a claim is made, you will receive a letter from the court explaining the details of the judgment which will provide you with the opportunity to dispute it.
You may not receive the claim form if you have moved address and have not notified the claimant.
Once a judgment has been granted details are submitted by the court to Registry Trust for inclusion on the public register.
The information appearing on the Register is as follows:
• Defendant details – Name and address the judgment was recorded against
• Court name
• Case Number
• Judgment date
• Judgment Amount
• Satisfaction date, if satisfied
The information sent to us by the court may contain a date of birth, if this information is provided to us by the court it will appear on our public Register.
We do not hold Claimants details, but these can be obtained from the relevant court if you have the case number.
If you have a query about your case, you will need to raise this with the court – you will need your case number when contacting the court.
Judgments stay on the public register for six years unless cancelled, paid within one calendar month or set aside by the relevant court.
Judgments showing on the public Register are also sent to the credit reference agencies for inclusion in their files.
We send the credit reference agencies judgment information exactly how it is sent to us by the court.
Registry Trust does not have access to your credit file and are not involved in the process of linking judgments to individual names and addresses, this is a decision made by the credit reference agencies.
For more information on how to satisfy a judgment you can read our guide on judgment satisfactions.
For more information on how to cancel or set aside a judgment you can read our guide on removing CCJs.