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Q4 2020 Statistics

Overview

214,649 NEW JUDGMENTS WERE PROCESSED THIS QUARTER WITH A TOTAL VALUE OF £549,267,232.

During the period of 1st October to 31st December 2020, 97% of all judgments came from courts in England and Wales. The median value of judgments across all jurisdictions was £883, whereas the average was £2,559. This represents a ‘Q4 2019’ to ‘Q4 2020’ increase of 7% and 12% respectively. Meanwhile, the number of judgments decreased by 29%.

England and Wales

County Court Judgments (CCJs) against businesses in England and Wales fell 36 percent in Q4 2020, compared to the same quarter in 2019, according to figures released today (08.01.2021) by Registry Trust.

The number of CCJs against businesses decreased from 23,418 in Q4 2019 to 15,052 in Q4 2020. The total value of CCJ debt owed by businesses fell by 17 percent, from £92 million to £77 million. The average value of business debt hit £5,089 in the quarter, 29 percent higher than the £3,942 seen in Q4 2019. The median value rose by 20 percent from £1,494 to £1,796 over the period.

The number of judgments against larger incorporated businesses fell by 37 percent, from 15,626 in Q4 2019 to 9,882 in Q4 2020. The total value of judgments fell by much less, 12 percent, from £69 million to £60 million. As a result, the average value rose by 39 percent £4,387 to £6,095, with the median value up 32 percent from £1,672 to £2,205.

The number of CCJs against smaller unincorporated businesses fell by a similar amount, by 34 percent, from 7,792 to 5,170, with the total value dropping from £24 million to £16 million, down 31 percent. The average value rose from £3,060 to £3,166, up 3.8 percent, while the median value rose by 6.9 percent from £1,235 to £1,320.

The number of High Court Judgments against businesses rose from 27 in Q4 2019 to 50 in Q4 2020 an increase of 85 percent. The total value rose from £7.5 million to £46 million, an increase of over 500 percent. The small number of registered High Court Judgments means these figures are subject to large fluctuations.

The number of business judgments marked as ‘satisfied’ in Q4 2020 was 2,845, a fall of 10 percent from the 3,161 in Q4 2019. As the number of judgments registered in Q4 2020 was lower than in Q4 2019, the proportion of judgments marked as satisfied has risen. But, it remains very low at 12.6% percent.

The number of County Court Judgments (CCJs) issued against consumers in the fourth quarter of 2020 fell 28 percent, from 268,858 to 194,102, compared to the same quarter in 2019, according to figures released today (08.01.2021) by Registry Trust.

The total value of CCJs registered fell by 25 percent to £342 million in Q4 2020, down from £458 million in Q4 2019. The average value of judgments rose slightly by over three percent from £1,705 to £1,761. The median value also rose from £792 to £841, an increase of over six percent.

But, it is worth noting that the number of CCJs issued against consumers in the last quarter of 2020 was 73 percent higher than in the third quarter of 2020.

The number of High Court consumer judgments rose by 87 percent, from 31 to 58, over the period. The total value saw a smaller rise of 15 percent from £47 million to £54million. As a result, the average value fell by 38 percent from £1.5 million to just under £1 million (£934,887). In contrast, the median value rose from £40,306 to £51,251. The smaller number of High Court judgments means that data can be subject to large fluctuations.

The number of judgments marked as ‘satisfied’ in Q4 2020 was 42,794, a fall of nearly 12 percent from the 48,420 in Q4 2019. As the number of judgments registered in Q4 2020 was lower than in Q4 2019, the proportion of judgments marked as satisfied has risen. But, it remains very low at 17.3 percent.

Scotland

The number of decrees and total amount of debt registered against Scottish consumers fell sharply in the fourth quarter of 2020 compared to the same period last year, according to figures released today (08.01.2021) by Registry Trust.

The number of decrees fell by 27 percent from 4,984 to 3,654. The total value fell from £12.9 million to £10.8 million, a fall of 16 percent compared to the same period last year. The average value of decrees rose by 15 percent from £2,582 to £2,961, with the median value rising nine percent from £1,453 to £1,580.

Decrees against Scottish businesses also fell, by 44 percent, from 859 to 481. However, the total value rose by 69 percent from just over £3 million to £5.1 million. As a result, the average value rose from £3,500 to £10,534, an increase of 200 percent. The median value rose by 142 percent from £1,068 to £2,580.

The number of decrees against larger firms fell by 43 percent, from 721 to 411. The total value rose by 92 percent, from just over £2 million to £3.9 million, with the average value up 237 percent, from £2,798 to £9,437. Decrees against smaller businesses also fell 49 percent, from 138 to 70. The total value rose by 20 percent from just under £1 million to £1.2 million, with the average value up 137 percent, from £7,169 to £16,976.

Northern Ireland

The number of debt judgments registered against Northern Ireland consumers in the fourth quarter of 2020 was just 699, a huge fall of nearly 60 percent compared to the 1,732 registered in the same quarter last year, according to figures released today (08/01/2021) by Registry Trust.

The total value of judgment debt owed in Q4 2020 fell by just over half (52%) compared to the same period last year, from £4.5 million to £2.2 million. But, the average value of consumer judgments rose by nearly 18 percent, from £2,612 last year to £3,076. The median value rose by almost two-thirds from £904 to £1,488. This suggests creditors took out fewer, larger judgments against consumers.

The period also saw the number of judgments against businesses fall by just over half (51%), from 232 to 113. However, the total value of judgments against businesses rose by nearly 20 percent from £483,903 to £578,927. The average value of business judgments rose steeply, from £2,086 to £5,123, up 146 percent. The story is one of many fewer, but larger judgments.

But, following huge falls in the first half of the year, numbers are rising again. The total number of judgments rose by 16 percent in Q4 2020 compared to Q3 2020.

Republic of Ireland

The number and total value of judgments registered against Irish consumers and businesses saw huge falls in the fourth quarter 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 72 percent, from 618 to just 172. The total value fell by 89 percent, from €62 million in Q4 2019 to under €7 million in Q3 2020.

The average value of consumer judgments fell by 60 percent, from €100,960 to €40,084 and the median value by 26 percent, from €11,747 to €8,752.

Judgments against Irish businesses fell from 234 to 62, a drop of nearly three quarters (74%). The total value registered against businesses fell by 62 percent, from €3.4 million to just €1.3 million. The average value of business judgments rose by 41 percent from €14,525 to €20,536.

Jersey

The number of judgments issued in the Jersey Petty and Royal Courts against consumers fell in the fourth quarter of 2020 compared to the same quarter in 2019, according to data published today (08.01.2021) by Registry Trust. The total number of judgments issued against consumers fell from 287 to 234, a fall of 18 percent.

But, the total value of judgments issued against Jersey consumers saw a huge rise of 453 percent, from £605,646 to £3.34 million. As a result, the average value jumped from £2,110 to £14,317, a rise of 578 percent. The median value also rose but by a smaller amount, 28 percent, from £365 to £467.

Judgments against Jersey businesses saw even sharper falls. The numbers of judgments against businesses in Q4 2020 fell to 37, a fall of 20 percent from the 46 issued in the same period of 2019.

The total value of business judgments registered in the quarter also fell, by 58 percent, from £273,192 to £114,677 in the same period of 2019. The average value of business judgments almost halved, down 48 percent from £5,939 to £3,099. The median value fell even further, down 77 percent from £4,945 to £1,143.

Isle of Man

The number of judgments issued in the Isle of Man Courts of Justice against consumers rose sharply in the fourth quarter of 2020, compared to the same period last year, according to data published today (08.01.2021) by Registry Trust.

The total number of judgments issued against consumers in Q4 2020 was 88, a rise of just over 20 percent compared to the 73 in Q4 2019, although the value of those judgments fell by 49 percent from £1.1 million to £583,597. The average value fell by 57 percent from £15,604 to £6,632. However, the median rose by 18 percent, from £633 to £747.

Judgments against Isle of Man businesses fell. The numbers of judgments against businesses in Q4 2020 was 21, a fall of 16 percent from the 25 issued in Q42019.

The value of business judgments registered in quarter was £219,260, a fall of 13 percent from the £251,757 in the same period of 2019. The average value of business judgments rose slightly, by just under four percent, from £10,070 to £10,441, with the median rising by just under 10 percent from £2,931 to £3,222.