County Court Judgements
Have you received a County Court Judgement? This guide can help.
A County Court Judgement (CCJ) is a type of court order issued in England, Wales and Northern Ireland. In Scotland this process is called 'enforcing a debt by diligence'. You receive a County Court Judgement if you fail to repay money you owe.
A CCJ should be preceeded by a notice from your creditor which explains that action will be taken unless the debt is repaid. This notice may be called a 'Default Notice' or a 'Letter Before Action'.
If you have a credit agreement which is regulated by the Consumer Credit Act your creditor must send you a default notice of letter before action at least 14 days before action is taken. The letter must let you know how you can stop the action and how much is owed. The notice must also include a copy of the Financial Conduct Authority's default information sheet.
If you receive a letter from your creditor or a county court judgement seek advice straight away. It is important to act quickly to try to avoid bailiff or further action.