Call Us TODAY on 020 3588 4240

Facebook Twitter Youtube Linkedin Instagram Tiktok Pinterest
Call Us TODAY on 020 3588 4240
Facebook Twitter Youtube Linkedin Instagram Tiktok Pinterest
Call Us TODAY on 020 3588 4240
Facebook Twitter Youtube Linkedin Instagram Tiktok Pinterest
Subscribe To Our Newsletter

How to Check if You Have a CCJ for Free in the UK 

Check Out Our Solutions

Worth Sharing?

Download Our Free E-book

Get Access to the Best Content on High Court Enforcement

Download E-book
High Court Enforcement Solutions

Our national panel of Certified High Court Enforcement Officers will help you collect your money quickly and easily.

Shop Now
Quick Resources

Discovering whether you have a County Court Judgment (CCJ) against you is crucial for maintaining a healthy credit profile and financial well-being. A CCJ can significantly impact your ability to obtain credit, secure housing, or even gain certain types of employment. Fortunately, there are straightforward methods to check for a CCJ without incurring any costs.

Understanding County Court Judgments (CCJs) 

A CCJ is a court order issued in England, Wales, and Northern Ireland when someone fails to repay money they owe. It serves as a legal acknowledgment of the debt and outlines the repayment terms. Once issued, a CCJ is recorded on your credit file and remains there for six years, affecting your creditworthiness. Credit Score 

Methods to Check for a CCJ 

Review Your Credit Report 

Credit reference agencies compile information about your financial history, including any CCJs. You can access your credit report for free from agencies like Experian, Equifax, and TransUnion. Regularly reviewing your credit report helps you stay informed about your financial standing and detect any CCJs promptly.  

Search the Register of Judgments, Orders, and Fines 

The Registry Trust maintains a public register of CCJs. By visiting their website, you can search for any judgments against you. While accessing this information typically involves a small fee, it provides definitive confirmation of any CCJs in your name.  

Addressing a CCJ 

If you discover a CCJ against you, it is important to take immediate action: StepChange+8Creditfix+8Citizens Advice+8 

  • Verify the Details | Ensure the CCJ is accurate and pertains to you. Mistakes can happen, and addressing inaccuracies promptly is essential.  
  • Settle the Debt | Paying the full amount within one month of the judgment prevents it from appearing on your credit record. If more than a month has passed, the CCJ will remain on your record for six years, but settling the debt will update its status to ‘satisfied.’ GOV.UK+4Simple Tips for Bent Valve Fixes+4Credit Score+4 
  • Seek Professional Advice | If you are unable to pay or believe the CCJ is unjustified, consult with a debt advisor or legal professional to explore your options.  

Shergroup’s Role in Debt Recovery and CCJ Enforcement 

At Shergroup, we specialize in High Court enforcement services, assisting clients in recovering debts and enforcing judgments efficiently. Our expertise ensures that the enforcement process is handled professionally, respecting the rights of all parties involved.  

For an in-depth look at our work, you can watch our television programs:  

  • Call the Bailiffs: Time to Pay Up | This series provides a real-world view of our enforcement agents as they assist individuals and businesses in recovering debts.  
  • Can’t Pay? We’ll Take It Away! | Offering insight into the challenges of debt enforcement, this show highlights the delicate balance between creditors’ rights and debtors’ circumstances.  

Conclusion 

Regularly checking for CCJs is a proactive step in managing your financial health. Utilizing free resources like credit reports helps you stay informed and address any issues promptly. If you require assistance with debt recovery or CCJ enforcement, Shergroup is here to help. UK Debt Expert+2Citizens Advice+2Your Credit Report+2 

Contact Us Today 

For more information, visit www.shergroup.com, email us at [email protected], or call our Business Solutions Team on 020 3588 4240 for immediate assistance. Let Shergroup be your trusted partner in navigating the complexities of debt recovery and enforcement. 

You can reach us |
By Phone  | 020 3588 4240
Website    | www.shergroup.com and you can chat to us from here
Email        | [email protected]
Facebook  | Check out Shergroup on this channel and message us
Twitter      | Check out ShergroupChat on this channel and message us
LINKEDIN | Check out Shergroup’s LINKEDIN – and please FOLLOW us!
Instagram | Check out ShergroupChatter and
YouTube   | Check out Shergroup YouTube Channel – and Subscribe to Our Channel!
Google My Business | https://maps.app.goo.gl/J1pUNBKfFv2SVnjQ6

You Might Also Like

Content Writer​

DISCLAIMER NOTICE |

The following disclaimer applies to Shergroup Limited and its platform, shergroup.com. Please read this notice carefully before accessing or using any information provided on our platform.

  1. No Legal Advice | The information presented on shergroup.com, including but not limited to articles, blog posts, FAQs, and other resources, is provided for general informational purposes only. It is not intended to be, and should not be considered, legal advice. The information provided does not create a solicitor/client relationship between Shergroup Limited and the user.
  2. Not a Substitute for Legal Advice | The information on shergroup.com should not be relied upon as a substitute for obtaining legal advice from a qualified professional. The application of laws and regulations can vary based on specific circumstances, and legal advice tailored to your particular situation is crucial. Therefore, we may refer you to a member of our partner firm -Shergroup Legal – on legal matters or encourage you to take your own legal advice from your preferred advisor.
  3. No Guarantee of Accuracy | While we strive to provide accurate and up-to-date information, Shergroup Limited does not guarantee the accuracy, completeness, or reliability of any information on shergroup.com. The legal landscape is constantly evolving, and laws may vary across jurisdictions. Therefore, any reliance you place on the information provided is at your own risk.
  4. No Liability | Shergroup Limited, including its officers, employees, agents, and affiliates, shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of shergroup.com or any information contained therein. This includes, but is not limited to, any errors or omissions in the content, or any actions taken or not taken based on the information provided.
  5. Third-Party Links | Shergroup.com may contain links to third-party websites or resources. These links are provided solely for convenience and do not imply endorsement or responsibility for the content, accuracy, or legality of such websites or resources. Shergroup Limited shall not be liable for any damages or losses incurred as a result of accessing or using any third-party websites or resources.
  6. Changes to Disclaimer | Shergroup Limited reserves the right to modify or amend this disclaimer notice at any time without prior notice. Any changes will be effective immediately upon posting on shergroup.com. It is your responsibility to review this notice periodically for updates.

By accessing or using shergroup.com, you acknowledge that you have read, understood, and agreed to this disclaimer notice. If you do not agree with any part of this notice, you should refrain from accessing or using shergroup.com.

Last updated | 19 July 2023

Should you have any questions or concerns regarding this disclaimer notice, please contact us at [email protected]