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.

Does a Debt Management Plan Affect Your Credit Rating?

If you’re feeling increasingly overwhelmed by debt and aren’t sure what steps you can take next, the most important thing to remember is that there is plenty of help available and different solutions designed to get your finances back on the straight and narrow.

Published on 18 Jun 2019 by Kevin Pearce

Full Article

Late Payments & Defaults: What's The Difference?

When a lender checks your Credit Report, one of the most important elements it considers is payment history as reported to the Credit Reference Agencies. On a perfect applicant’s Credit Report, every credit account would be reported with a clean payment history, indicating that they are a low risk to the prospective lender, but in the real world this isn’t always the case.

Published on 23 Apr 2019 by Tom Blandford

Full Article

Do I Owe a Debt If It's Not On My Credit Report?

Information that appears on your Credit Report should (in most cases) follow a fairly predictable lifecycle. But don’t think that if an unpaid debt no longer shows up, you’re no longer responsible for it.

Published on 21 Apr 2019 by Tom Blandford

Full Article

Do I Have a Default? How to Find Out

For lots of lenders, coming across a Default on your Credit Report is a troubling sign. It’s certainly more serious than a missed payment or arrears on your file, which are likely to have less of an impact on your chances of being approved. A Default represents a key moment in the eyes of a lender: it shows that on a previous credit agreement you stopped being a borrower and became a debtor.

Published on 29 Mar 2019 by Jamie Mackenzie Smith

Full Article

Do I Have a CCJ? How To Find Out

If you have a County Court Judgment (CCJ) in your name, it can have a serious impact on your Credit Score and ability to borrow for the entire time it is active, as well as potentially affect the outcome of the checks carried out by prospective employers, landlords and insurers.

Published on 26 Mar 2019 by Jamie Mackenzie Smith

Full Article

How Bankruptcy Affects Your Credit Rating

In terms of negative information that could appear on your Credit Report, evidence of bankruptcy or other forms of insolvency is about as serious as it gets and it’s likely to adversely affect your ability to take out new forms of credit for a considerable amount of time.

Published on 7 Mar 2019 by Tom Magor

Full Article

Insolvency and its effect on your credit score

Contrary to the belief of some, insolvency is not a ‘get out of jail free card’. When you are declared insolvent, the entry remains reported for six years on your Credit File and will continue to pose a significant barrier to your chances of obtaining credit – even after the insolvency is discharged.

Published on 30 Jan 2019 by Tom Blandford

Full Article

Can you go to prison for debt

The short answer is: yes, you can go to prison for debt, but only if you fail to pay your council tax, any magistrates fines, TV license or fees relating to a motoring offense, and even then there are plenty of methods that are usually tried before a prison sentence is carried out.

Published on 22 Aug 2018 by Barry Stamp

Full Article

What Happens When You Miss a Payment?

Late payments are a reasonably common entry on Credit Reports. They can occur against all kinds of credit agreements: everything from mortgages to store cards and unless you have a Direct Debit set up to make repayments automatically each month, you’re reliant on remembering to physically make your repayments each month. For a lot of people, this is where mistakes happen.

Published on 6 Jul 2018 by Kiah Phillips

Full Article

If I Pay My CCJ Will It Go Away?

2017 saw the highest number of County Court Judgments (CCJs) issued in England and Wales since records began in 2005, according to official figures by Registry Trust. That means it’s more important than ever to make sure you know what to do if you get issued with one, and how to prevent one appearing on your Credit File in the first place.

Published on 23 May 2018 by Ben Ryland

Full Article


We are rated number 1 for customer service on