A County Court Judgement (CCJ) is a type of court order in England, Wales, and Northern Ireland that may be registered against you if you fail to repay money you owe.
If you find yourself with a CCJ the claim won’t come out of the blue. Before this stage, the creditor must send you a warning letter or default notice, letting you know that you need to repay what you owe, otherwise legal action will start.
For credit agreements regulated under the Consumer Credit Act, you must be sent a default notice, at least 14 days before any action is taken.
You’ll know when you have a County Court Judgment against you when you receive this letter or notice.
The letter or notice should tell you how you can respond and what action might be taken if you don’t.
It must also include a copy of the Financial Conduct Authority’s default information sheet.
For more information on what a CCJ is, what they can be issued for and how it can effect you, please read our detailed guide from our friends at Pepper Money – here.
After almost 30 years in the financial services business, covering sales positions in the intermediary mortgage and life insurance and pensions sectors, provides the bedrock for compliance, training, administration and much more.