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County court judgement (CCJ)

A County Court Judgement (CCJ) is an order that is issued by the courts in England, Wales and Northern Island. The County Court Judgement (CCJ) is issued when you are forced to repay someone money that you owe to them. The County Court Judgement (CCJ) is brought against you by a creditor which is the people you owe money too. In order to file for a County Court Judgement (CCJ) the creditors in name will send an application to the courts providing evidence as to why they believe that a County Court Judgement (CCJ) will be necessary to be made against you. You will find out that you have a County Court Judgement (CCJ) made against you as you will receive a letter in the post, this letter will outline that you have a County Court Judgement (CCJ) against you, how you must respond to the County Court Judgement (CCJ) and what actions will take place if you do not respond to the County Court Judgement (CCJ) too.

There are instances that you may not know that you have a County Court Judgement (CCJ) against you, although this is rare it does happen. There may be instances where creditors will seek to claim and assume that you will likely not be aware of them doing so. This can be done by them issuing a claim to a previous address of yours. However, although it may not be a fair County Court Judgement (CCJ), the court can still issue you with a County Court Judgement (CCJ) and you may not be aware as you would have not received the claim in the post. The issue with this is that those that have false County Court Judgement (CCJ) claims against them, they are only aware of this when they apply for credit and are rejected immediately. With a situation like this, there are many cases where you as a client can be successfully defended and avoid a County Court Judgement (CCJ) leading to any consequences. But a useful suggestion would be to make sure you check your credit report often to see if there is anything that may seem unfamiliar. If you do realise you have had a County Court Judgement (CCJ) order made against you, reach out for some advice as soon as possible before it progresses. 

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