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.

County Court Judgment (CCJ)

What is a County Court Judgment (CCJ)?

A County Court Judgment (CCJ) is a court’s adjudication that having weighed up the facts, a debt is due.

To obtain a CCJ, a lender has first to issue a Notice of Default. If you do not pay the default, the lender can then ask the Court to issue a County Court Summons for you to attend court. If you fail to turn up at court, or lose the case, you will be issued with a CCJ, which if unpaid within one calendar month will remain on your credit file for six years.

If the judgment is paid after the one month deadline, it will still remain on your credit report for the remainder of the six years, though it may be marked as ‘satisfied’.

A CCJ is one of several types of adverse credit record that will have a severe negative impact on credit scores and ratings, making it harder to get accepted for any form of credit. In short, if a lender sees evidence that another lender has had to resort to the costs of getting a CCJ to recover monies due, it will be dissuaded from lending more for fear of having to go down the same road.

If you pay the full amount outstanding immediately on receipt of the County Court Summons, you can avoid a hearing or judgment. If not, there`ll be a simple court hearing in private. You can attend if you wish, or just send the information the court asks for by post.

The court doesn`t find anyone `guilty` or `innocent`. It looks at the facts and decides whether you owe any money, and if so, how you should repay it. If the court decides you owe money and you don’t pay, lenders can take further legal steps to get their money, such as using bailiffs.

Under Scottish law, claims are dealt with by the Sheriff Court.

If you have paid off your CCJ it is usually down to you to inform all four credit reference agencies with a `Letter of Satisfaction`, which you can get from the Court, so the CCJ can then be shown as settled or satisfied on your credit report.

We strongly recommend against any offers of credit repair that some companies may present to you these services are illegal and generally only make a bad situation worse.

If you believe your CCJ to be settled or issued against you wrongly then you should contact the court with your case number and they can advise you further.

CCJ information on your Credit Report

If you have an active CCJ, it will show up on your credit report. Your checkmyfile credit report includes information such as:

  • 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.

Q: Can a CCJ be removed?

A: Unfortunately there is nothing you can do to have a County Court Judgment removed from your credit report if it is accurate and it is beyond the one month pay window after the Judgment has been issued.

CCJs will drop off your credit report automatically six years after the date of issue, but lenders and Credit Reference Agencies have a legal obligation to ensure they are reporting accurate data at all times.

Q: What happens if you don’t pay a CCJ?

A: If you cannot pay for the amount owed in one lump sum, a monthly instalment plan may be offered by the claimant. Even though a CCJ can only remain on your credit report for six years, a debt can be owed indefinitely, so it is possible to pay off a CCJ for longer than it appears on your report if the lender sets out a payment plan that takes more than six years to clear the debt.

If you do not pay towards the CCJ, bailiffs may be used to seize items in your property to sell and recuperate the amount you owe or your wages may be garnished until the full amount is paid off.

Jargon Buster

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