Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

CREDIT REPORT SERVICES AND ONLINE EXPERT HELP ARE FULLY OPERATIONAL - PHONE LINES ARE CLOSEDCOVID-19 STATUS

ONLINE SERVICES FULLY OPERATIONAL
PHONE LINES ARE CLOSEDCOVID-19 STATUS

Adjudication

What is Adjudication?

In a credit context, Adjudication usually refers to the ruling of a judge to bankrupt a debtor based on supporting evidence, concluding that they cannot continue to pay their debts as they fall due.

Adjudication is also a term used when issuing a County Court Judgment, High Court Judgment or Scottish Decree. In effect, it means 'the decision of the Court.'

Upon Adjudication resulting in a CCJ, the information will be reported via Registry Trust to the Credit Reference Agencies, ensuring that it is displayed on your Credit Report.

In a wider legal context, Adjudication is the pronouncement of a judge of a decision in Court.

In Scotland, the legal process of Adjudication for Debt is long-established, first enacted in 1672. It allows a creditor to go to court and obtain a Scottish Decree to take security over a debtor’s property, usually land. Unless the debt is repaid, the creditor can obtain ownership after 10 years. In 2007 it was decided to abolish Adjudication – sometimes called Adjudication in Debt – and a replacement law remains to be put into place.

If you are concerned about any Court Records lodged against you, checking your Credit Report can show you exactly what a prospective lender will see. Try checkmyfile’s Multi Agency Credit Report free for 30 days, then just £14.99 per month and cancel at any time, to see the bigger picture.

Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.

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