When someone owes you money and refuses to pay, you may take legal action and obtain a County Court Judgment (CCJ). But securing a judgment is only the first step. Enforcing that CCJ is what turns a legal decision into real-world results. At Shergroup, we specialise in CCJ enforcement, helping creditors recover what’s rightfully theirs.
This guide walks you through how to enforce a CCJ, how to transfer a CCJ to the High Court, and how long you can act to get your money back.
What Is a County Court Judgment (CCJ)?
A County Court Judgment is a formal decision made by a County Court stating that a debtor must repay the money they owe. It’s an official acknowledgment of debt. Once granted, it appears on the debtor’s credit record for six years unless paid off within 30 days.
But obtaining a CCJ doesn’t automatically mean you’ll get paid. Enforcement is required if the debtor doesn’t comply. That’s where Shergroup steps in.
When Should You Enforce a CCJ?
You should move to enforce a CCJ if |
- The debtor has not paid within the time ordered by the court
- You believe the debtor has assets that can be recovered
- You’ve exhausted other attempts to secure payment
A common next step is to transfer the CCJ to the High Court for stronger enforcement measures.
How to Enforce a CCJ: Your Options
Shergroup offers multiple enforcement methods depending on the type of debt, the amount owed, and the debtor’s circumstances.
1. High Court Enforcement Officers (HCEO)
This is one of the most effective routes. If your CCJ is for over £600 and is not regulated under the Consumer Credit Act, you can transfer it to the High Court for enforcement.
Benefits |
- Faster response times
- Greater powers than County Court bailiffs
- The ability to force entry to commercial premises
- Payment is performance-based
2. County Court Bailiff
For judgments under £600 or those regulated by the Consumer Credit Act, enforcement must stay within the County Court. County Court Bailiffs are court-employed and have more limited powers.
Limitations |
- Less flexibility in scheduling visits
- Lower success rates than HCEOs
3. Third Party Debt Order
This allows you to recover money from a third party that holds funds on behalf of the debtor—usually a bank.
Pros |
- Surprise element; funds can be frozen without warning
- Effective if you know the debtor’s bank account details
Cons |
- Timing is crucial; if no funds are present when the order is received, it fails
4. Attachment of Earnings Order
Used when the debtor is an employed individual. It enables a portion of their wages to be deducted and paid directly to you.
Limitations |
- Not applicable for self-employed or unemployed individuals
- Payments can take time to accumulate
5. Charging Order
A Charging Order secures the debt against property owned by the debtor. It’s particularly useful when you know they have real estate assets.
Important to Know |
- Doesn’t guarantee immediate payment
- Funds are typically recovered when the property is sold or re-mortgaged
6. Information Order (N316)
This compels the debtor to attend court and disclose details about their finances. It helps you decide on the most effective enforcement method.
Useful when |
- The debtor is avoiding contact
- You need insight into their income, assets, or financial standing
7. Bankruptcy or Winding-Up Proceedings
- Bankruptcy: For individuals owing more than £5,000
- Winding Up Petition: For companies owing more than £750
This is often a last resort but very effective, especially if the debtor is deliberately avoiding payment.
How to Transfer a CCJ to the High Court
If your debt meets the eligibility (£600+ and not Consumer Credit Act-regulated), follow these steps:
- Complete Form N293A – Application to enforce a judgment by writ of control.
- Pay the Court Fee – Currently £66 (subject to change).
- Receive the High Court Writ – The court grants the writ, and Shergroup’s HCEOs take over.
- Enforcement Begins – Our agents visit the debtor, seize assets or secure payment.
We take care of all the paperwork, legal formalities, and tactical enforcement.
How to Enforce a CCJ Under £600
If your CCJ is for less than £600, you must use County Court Bailiffs. Shergroup can still help by managing the process and advising you on the likelihood of recovery.
Alternative options include:
- Applying for a Third Party Debt Order
- Seeking an Attachment of Earnings Order
How Long Is a CCJ Enforceable?
A CCJ is enforceable for 6 years from the date it was issued. However, enforcement after 6 years is still possible with court permission.
Can a CCJ be enforced after 6 years?
Yes, but you must show good reason for the delay. Shergroup can guide you through applying for court permission.
Why Choose Shergroup for CCJ Enforcement?
At Shergroup, enforcement is our heritage. With decades of experience and our own team of licensed High Court Enforcement Officers, we:
- Offer nationwide coverage
- Work on a results-driven model
- Handle everything from form filing to final payment
- Provide ongoing support and updates
We blend legal expertise with tactical know-how to maximise your recovery.
Frequently Asked Questions (FAQs)
Q1: How to enforce a CCJ?
A: Choose an enforcement method like High Court enforcement, Third Party Debt Orders, or Attachment of Earnings based on the type and size of debt. Read More
Q2: How to enforce a CCJ under £600?
A: Use County Court Bailiffs. Shergroup can guide you through this option. Read More
Q3: How long is a CCJ enforceable?
A: 6 years from the date of judgment. After that, special permission is required. Read More
Q4: Can a CCJ be enforced after 6 years?
A: Yes, with court approval. You’ll need to provide a valid reason for the delay. Read More
Ready to Enforce Your CCJ? Let Shergroup Take It From Here
If you’re holding a County Court Judgment and the debtor still won’t pay, let Shergroup enforce it for you. We make the process simple, effective, and fast. Whether it’s a County Court Judgement transfer to the High Court or another enforcement method, we’ll advise you every step of the way.
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Address: 20 St. Andrews Street, Holborn, London EC4A 3AG
Products you might need assistance with
County Court Judgment (CCJ) Transfer
Transfer Your Possession Order to the High Court
Commercial Lease Forfeiture ServiceEnforcement of High Court Judgment
