How do I deal with a CCJ claim?

​

If you receive a CCJ it is important that you do not ignore it. A CCJ can affect your ability to get credit such as loans, mortgages, credit cards or even bank account. It can also affect your employment prospects, as some employers may check your credit history before hiring you. It can also affect your ability to rent a property, as some landlords may check your credit history before letting you rent.

​

How long do I have to respond to a CCJ?

​

If you pay the total amount of the CCJ within one month of receiving it you can get the CCJ removed from the register and from your credit file. This means that it will not affect your credit rating or show up on any future credit checks.

​

If you pay the full amount of the CCJ after one month of receiving it, you can get the record of the CCJ marked as satisfied on the Register and on you credit file. This means that people searching the register or checking your credit history will see that you have paid the debt. However, the CCJ will still remain on the Register and on your credit file for 6 years from the date of judgment.

​

​

What happens if I get a CCJ and don’t pay?

​

If you do not pay the full amount of the CCJ by the deadline set by the court, or if you only pay part of it, the record of the CCJ will remain as unsatisfied on the Register and on your court file.  This means that people searching the Register or checking your credit history will see that you still owe money. The creditor can also take further action against you to enforce the CCJ and recover the debt.