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Discharged CCJ’s Explained
A discharged CCJ is a court order that acknowledges you satisfied an outstanding debt against you in the statutorily provided time frame and thus erases the judgement against you and from your credit report.
Once you get to the point where a county court judgment CCJ has been awarded against you, the options left are very limited. At this stage, our debt solutions experts at IVA Helpline can offer little more than free debt advice.
A county court judgement will appear on your credit record for a long time if you do not get the CCJ discharged.
There are technically only three options in which you can address the judgement, but you only have a few weeks to take advantage of having the CCJ discharged, so time is of the essence.
The best option is to act so that you can have the CCJ discharged, and in this article, we will explain what a county court judgment is, how to get the CCJ discharged, and what that actually means.
What Is A CCJ?
A county court judgment CCJ is a judgement that either creditors or a debt management company can ask the county court to award them, against you. This is in order to force you to repay money you owe for an unpaid debt.
As long as the creditors or debt collectors can prove to the court that you owe the debt, the court will ordinarily award the CCJ.
County court judgments are typically very detailed and include:
- Your identity information
- The exact amount you owe
- A deadline for payment
- Whether you have to pay the full amount immediately or if instalments are an option.
The CCJ will be issued with a statutory payment deadline of 30 days. This is the deadline by which to satisfy the debt and have the CCJ discharged.
Once that 30 days pass, the county court judgment is added to a public database called the Register of Judgments, Orders and Fines, also known as the Registry Trust.
The deadline for the entire amount of time you have to repay the debt will be listed in the email or letter from the court notifying you that a CCJ has been awarded against you.
The creditors or debt collection company attempting to recover the debt can ask the court for the ability to collect the debt through alternative means. This can be attached to your earnings or withheld from your bank account.
A CCJ is usually a final option that creditors and debt collectors resort to.
Before arriving at this option, you should take advantage of the free debt advice offered by a qualified debt solutions specialist, such as the IVA Helpline, which can advise and assist you in your debt matters.
What Does A Discharged CCJ Mean?
Once a CCJ is awarded against you, you will have a statutory time frame of 30 days in which you can have the CCJ discharged. However, to get the CCJ discharged in that period requires paying the debt in full.
Having a CCJ discharged means the court removes the previously awarded county court judgment against you. Thus, there is no judgement against you to add to the Register of Judgments, Orders and Fines or to have lodged on your credit report.
However, it’s important to note that if the CCJ was recorded on your credit report, having the CCJ discharged does not act as an order to automatically erase it from your credit report.
What happens when your CCJ is discharged?
Once you successfully have the CCJ discharged by paying the debt off within 30 days, the entire matter is essentially terminated. If the court had permitted any attachment to your earnings, that order would also cease to have any legal effect.
How will you know if your CCJ is discharged?
If you pay the debt within the first 30 days, the court will automatically order the CCJ discharged. Having the CCJ discharged means it will automatically be removed from the public register.
You can always check the public register for yourself to be sure that the CCJ has been removed.
Call us on 0800 464 7235
Our trained advisors are here to help, so if you think an IVA proposal is one of the best debt solutions for you, don’t hesitate to call us on 0800 464 7235 to speak to one of our trained debt advisors or click below to see if you qualify…
Check if you qualifyWho Can See Your CCJs?
The short answer is essentially anyone who wants to see it will be able to.
Once the initial 30 days pass and you fail to achieve having the CCJ discharged, the CCJ will be visible to anyone who wants to look for it on the public register or conducts a credit check on you through a credit reference agency.
How Long Does A CCJ Stay On Your Credit Report?
A county court judgement is valid for 6 years from the date it is awarded unless you successfully get the CCJ discharged.
If you successfully have the CCJ discharged, you can act immediately and take the proper steps to have the CCJ erased from your credit record.
However, without successfully getting the CCJ discharged, a valid CCJ will remain on your credit file for the entire 6 years, even if you pay it off in full after the initial 30 days.
How To Get A CCJ Removed From Your Credit File
Once discharged, the CCJ does not automatically get removed from your credit.
To have a discharged CCJ removed from your credit report, you must apply for a Certificate of Satisfaction from the court. You can then use that Certificate of Satisfaction to remove the CCJ from your credit file by submitting it to the credit reference agencies.
Once the initial 30 days have passed without paying off the debt, it is impossible to remove the CCJ from your credit file for the next 6 years. However, once that 6 years terminate, the CCJ will be removed automatically.
Call us on 0800 464 7235
Our trained advisors are here to help, so if you think an IVA proposal is one of the best debt solutions for you, don’t hesitate to call us on 0800 464 7235 to speak to one of our trained debt advisors or click below to see if you qualify…
Check if you qualifyWhere To Get Expert Debt Advice And Find More Information On CCJs
As stated earlier, the best thing to do is to consult with a credible debt solutions expert prior to reaching the point of having a CCJ awarded against you.
At IVA Helpline, county court judgements are only one area of specialisation of our debt management plan expertise.
We offer free advice to anyone who finds themselves with a problem with debt and can help find the best debt solution for your situation.
Final Thoughts
Unfortunately, in today’s society, debt is a very common problem. But, it’s not a problem to be embarrassed about, nor it is a problem without a solution.
If you have a county court judgement against you, having it discharged is possible, but only if you act fast and properly. And a discharge is the best solution to that issue.
At IVA Helpline, we offer free advice and assistance to help you find the best debt solution to any debt problem so that you can resolve your debt issues and hopefully prevent you from ever having to deal with issues like a county court judgement.
Once issued, the county court judgement effect can reach into so many other areas of your life. It is best to address your debt issues early and directly, and the IVA Helpline is here for you.
Frequently Asked Questions
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What happens if a CCJ is still unpaid after six years?
Essentially it will disappear. A CCJ is only in effect and valid for the period of 6 years after the date on which it was granted. Once those 6 years have elapsed, even if the CCJ remains unpaid, it will be automatically removed from the public register as well as from your credit file.
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Can you get a CCJ twice for the same debt?
No, only one CCJ can be awarded for a specific debt, but it provides creditors and debt collectors 6 years in which they can act upon that CCJ. Once the CCJ expires, a new one cannot be issued. However, the court has the authority to give creditors and debt collectors permission to enforce the original CCJ after that 6 year period.
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Are CCJs ever written off?
No, a CCJ can not be written off. Once the CCJ is added to the Register of Judgments, Orders and Fines it officially exists. As the Register is a public database, your CCJ will be visible to anyone who pays a small fee to review the database. The CCJ will be visible for 6 years.
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How does a CCJ affect my credit score?
A CCJ on your credit report significantly impacts and lowers your credit rating, typically by about 140 points. Due to how low your credit rating will be, it could result in being denied things requiring a check of your credit file, such as certain bank accounts, a new credit card or loans, and contract-based purchases such as mobile phones.
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