Northampton Court CCJ – Why is it on my Credit Report?

Posted by Jamie Mackenzie Smith in Dealing with Debt on 31 July 2018

If you’ve been issued with a CCJ, chances are that it could appear on your Credit Report as having come from Northampton County Court Business Centre (CCBC), even if you or the claimant have no ties with Northampton whatsoever.

If this is the case, it’s not a clerical issue as you might expect, it’s all to do with the way that CCJs are commonly issued and dealt with in the UK.

Why do I have a CCJ letter from Northampton County Court?

The CCBC is commonly used by lenders to submit CCJ notifications en masse. Because many lenders routinely take debtors to court to retrieve monies owed, it makes most sense for them to issue the letters of claim in bulk, which at present can only be done through the CCBC.

Do I have to attend a hearing in Northampton?

Before a CCJ is officially issued, the court must provide you with a Notice of Default, and then a County Court Summons, outlining the amount owed, the name of the lender and the nature of the debt owed, along with the creditor’s intention to take you to court to retrieve the stated amount.

Upon receiving the letter it is your duty to respond as quickly as possible, either accepting or defending the claim made against you.

If undefended the hearing effectively goes ahead in your absence at the CCBC, and this will be the issuing court should the judgment be issued (which if undefended is highly likely). If you choose to defend the judgment, the hearing will be moved to a closer and more convenient local court. In the event of the judgment being issued under these circumstances, the newly appointed court will be the issuing court and will appear as such on your Credit Report.

In either case, you shouldn’t have to attend a hearing in Northampton unless you defend the claim and actually live in or near Northampton.

How will it appear on my Credit Report?

If you do not contest the CCJ letter within 14 days of receiving it, it is likely that the CCJ will be processed at Northampton County Court Business Centre. As such, when you check your checkmyfile Credit Report, this will be shown as the issuing court, together with further information about the judgment itself.

If you choose to contest the CCJ and the judgment goes against you, it will be the court that you physically attend that gets listed and will appear on your file.

How can I check where a CCJ was issued?

The Court Records section of your checkmyfile Credit Report will show you any court judgments currently being reported by the UK’s four Credit Reference Agencies. By checking for yourself, you’ll be able to see:

  • Date CCJ was issued
  • Court Reference Number
  • The amount owed
  • Whether the CCJ is active
  • How long until the CCJ drops off
  • Which Credit Reference Agencies are reporting the marker
  • Contact details for the issuing court

If you haven’t already, you can try checkmyfile FREE for 30 days, then for just £14.99 a month afterwards, which you can cancel online at any time.

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