County Court Judgments
All County Court Judgments (CCJs) for money claims are registered upon entry of the judgment at the Registry Trust Ltd., 173 –175 Cleveland Street, London W1P 5PE. The details recorded are the debtor’s name, address and occupation, the amount of judgment and costs, and the relevant county court and case number. Credit reference agencies use the Register extensively.
If you have received a judgment and do not agree with the entry, then an application can be made to set aside the order if:
- You can prove that payment in full was made within one month of judgment.
- You completed the N9A and made an offer of payment, but the creditor failed to acknowledge receipt of the form and a judgment has been made in default. You will need to produce evidence that the claim was sent i.e. recorded delivery.
- Someone else used your name and address to obtain credit without you knowing.
- You did not receive the summons.
- You have real prospect of success of defending the claim.
- You did not receive the summons in time to reply.
- You were not given 28 days notice in order to pay before a summons was issued against you.
By setting aside the judgment the Claimant is prevented from taking enforcement proceedings against you.
If you do not have grounds to set aside the judgment and are in default, then a creditor can apply for one or more of the enforcement procedures listed below.
In addition to the above enforcement procedures, the Judgment Creditor can apply for an Oral Examination at any time after judgment. This is an order to obtain information from the debtor.
In the majority of cases we are able to suspend enforcement or have your judgment removed permanently.
HELPLINE
If you have received a County Court Judgment it is important that you act quickly.
To see how we can help you, call our advice line on:
0845 845 0140