You have received notification of a County Court Judgement - what should you do?

In fact CCJs are common court procedures and shouldn’t be something to worry about too much. However there are several things you should do as soon as possible.

Firstly, check the amount that the Judgment states you owe is correct.

If you can, pay the amount in full within one month, otherwise the CCJ will be registered with the Register of County Court Judgments. This in turn will be noted on your file by credit reference agencies, which may make it difficult for you to obtain credit in the future.

If you are unable to pay the amount in full straightaway but can do so at a later date, then to do so, you should apply to the court for a Certificate of Satisfaction at a cost of £10. The CCJ will remain on your file for six years, but potential lenders will be assured (and able to verify) 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. The court will ask for information about your regular income and expenditure. This is called a means enquiry and there is a £30 fee (payable to the courts) for submitting this application.

If you need help with debt, at James Dee Associates rest assured that we will make you our number one priority. With James Dee Associate' ,debt management schemes, we've already helped thousands who thought bankruptcy was their only option.

Take the first step to financial freedom: call us on 0800 917 3193 to speak to an adviser, or browse the James Dee Associates site. You'll find as much information as you need here to help solve your debt problems. Alternatively, complete our debt management enquiry form.

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