County Court Judgements - CCJs
I have received notification of a County Court Judgement - what should I do?
This is a common court procedure and nothing to worry about too much and there are several things you should do as soon as possible.
Firstly check that the amount that the Judgment states that you owe is correct.
If you are in a position to pay the amount in full then do so within one month otherwise the CCJ will be registered with the Register of County Court Judgments and credit reference agencies will note this on your file. This may make it difficult for you to obtain credit in the future.
If you are unable to pay the amount in full straight away but can do so at a later date, then you do so, you should apply to the court for a Certificate of Satisfaction for £10. The CCJ will remain on your file for 6 years but potential lenders will be able to see that you have paid the debt.
If you are unable to pay the amount specified then you should ask the courts to "vary" the order by completing a form N245, obtainable from the court. They will ask you to give information about your regular income and expenditure (called a means enquiry). There is a £30 fee (payable to the courts) for submitting this application.
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