What to Do If You Get a County Court Judgment (CCJ) in the UK

Last updated: 2 August 2025

What Is a CCJ?

A County Court Judgment is a type of court order in England, Wales, and Northern Ireland that says you owe money to someone. It usually follows unpaid debts, such as credit cards, loans, or utility bills, where the creditor has taken legal action.

Step 1: Don’t Ignore It

Ignoring a CCJ can lead to more serious enforcement actions like bailiffs, wage deductions, or a charging order on your property. Always read the paperwork and take action quickly.

Step 2: Check the Details

Look at the 'claim form' or 'judgment details'. Confirm whether you recognise the debt, the amount, and the creditor. If you think there’s been a mistake or you never received earlier letters, you may be able to challenge the judgment.

Step 3: Decide How to Respond

You have a few options depending on your situation:

  • Pay in full within 30 days – the CCJ won’t appear on your credit file.
  • Set up a payment plan – agree to pay in instalments if you can’t pay the full amount.
  • Apply to set aside the judgment – if you weren’t aware of the claim or believe it’s incorrect.

Step 4: Contact the Creditor or Court

If you want to pay or arrange instalments, contact the creditor listed on the paperwork. For legal challenges (like setting aside a CCJ), you’ll need to apply to the court and pay a fee — unless you’re eligible for help with fees.

GOV.UK: Dealing with a CCJ

How Long Does a CCJ Stay on Your Credit File?

If unpaid, a CCJ remains on your credit record for 6 years. This can seriously affect your ability to get credit, a mortgage, or even a rental property. If you pay it within 30 days, it will be removed entirely.

Can You Remove a CCJ?

A CCJ can be removed from your credit record if you either:

  • Pay it in full within 30 days
  • Successfully apply to set it aside
  • Wait 6 years (after which it drops off automatically)

Get Help and Advice

If you’re struggling with debts or unsure how to respond, it’s worth getting free advice from a debt charity like StepChange, National Debtline, or Citizens Advice.

Frequently Asked Questions

You can check your credit report for free or search the Register of Judgments (for a small fee).
It may reduce your chances, especially with high street lenders, but it depends on the age and status of the CCJ.
Yes, if you pay it within 30 days or successfully apply to set it aside. Otherwise, it stays for 6 years.