What is a CCJ? (County Court Judgment)

A County Court Judgment (CCJ) is an order from the County Court instructing you to repay a debt.

A lender can apply to the County Court if you don't repay a debt. So, if you receive a Summons, or County Court Claim Form, it means a lender has decided to take legal action against you to recover the money.

When you receive a County Court Claim form, you only have 14 days to respond, so you need to act quickly. If you don't respond to the form within the deadline, your lender can ask for 'judgment by default', meaning you won't get the chance to put your side of the story to the court - and your lender will be able to take action against you.

If you start debt management with Gregory Pennington, your Personal Finance Manager could help you to deal with a County Court Claim Form. Find out if you might qualify for debt management help.

Dealing with a CCJ

You will need to supply details about your income and expenditure to show the court how much you can afford to repay every month.

If your offer is accepted by the court, you'll be issued with a County Court Judgment, which basically outlines how much you need to repay and when. A CCJ will stay on your credit file for six years from the date of issue. However, once the debt is repaid, your credit file can be updated to show the CCJ has been satisfied.

If your payment offer isn't accepted, the court will tell you how much you should pay. If you don't feel you can afford this, you can appeal within 14 days, asking the court to reassess how much you should pay.

If it turns out that you can't afford your payments later on, you can apply to 'vary' the payment with an 'N245' form.

If you are on a debt management plan with Gregory Pennington, we can help you to deal with claim forms and negotiate with lenders who have taken you to the County Court. We're here to provide help and support, so please ensure you keep your Personal Finance Manager informed.

If you would like to apply for debt management help from Gregory Pennington, click here to request a callback.

Lucy Bower

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  • 0161 669 8925
  • 0161 669 8925

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