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CCJ – County Court Judgement(S)

Well, What Is a CCJ?

In simple terms, it is an order that a court in the UK issues for non-payment of any money owed. It is sometimes also called as County Court Summons. It is one of the ways used by creditors or the lenders to extract the money from their borrowers.

You can be issued with an CCJ if you have missed your payments on loan such as secured loans or unsecured loans like NO GUARANTOR LOANS.

How Much Can I Borrow?

Can I still borrow money in the future? These are two of the most common questions often asked by customers after receiving a CCJ.

Don’t panic! We’ll tell you what to do when you receive a County Court Claim form or a CCJ. We’ll also guide you how to avoid receiving it again to ensure little or no impact on your credit scores.

  • As a first step, if you owe any money to someone, they can approach County Court for a judgement against you. The Court studies the matter and decides if at all there is any debt to pay. If there is debt, the Court will issue a judgement.
  • You will receive a claim form and an admission form. You can send this form back within 14 days, detailing your take on the entire matter.
  • The first option for you is to pay the amount in full, including any court fees. It will ensure no court hearings and no recorded CCJ against you.
  • As a second option, you can offer to pay in installments.
  • The third option could be to dispute the amount stated by your creditor. You can fill in the admission form and send it back to the Court. The Court will take a final call on it.
  • If you think your creditor owes you some amount, you can fill the counterclaim form.



You must make all efforts not to ignore the claim or miss relevant deadlines. It could otherwise lead to a default judgement against you.

What if I can’t pay a CCJ? Can I approach a lender for an unsecured loan even if I have an unsatisfied judgement on the register?

  • If you cannot pay a CCJ, you can contact the Court, ask them to change the repayment amount.
  • The court sets your repayments based on the information you provide. Your earnings and spending related information helps the Court in deciding such matters.
  • An unsatisfied CCJ remains on the register for six years. It creates challenges while applying for further loans or mortgages.
  • A CCJ gets removed if the customer makes the full payment within one month of the date of judgement.
  • You can have the judgement removed from the register by asking the Court to set aside the verdict. It is possible only if the Court sees a genuine reason to dispute the assessment.
  • Most banks and lenders carry out a CCJ check against the register while deciding on lending. Some direct lenders and finance companies can provide no  CCJ loans of up to £ 30,000 or more.

Got a CCJ against you? Speak to your debt adviser or a direct lender, now.


Also Know:
What is Individual Voluntary Arrangement (IVA)?


Secured Loans

secured loans

Secured Loans

Secured loans are loans which you can borrow against an asset, such as your car or house. These loans help people to borrow a large amount of money which they would not have been able to without an asset. Also, it is less risky for lenders to give you secured loan. They would find you more reliable if you to a loan against the asset. Although if a borrower misses payments of their secured loan, the lender can seize their vehicle. Lenders usually choose this alternative if they don’t have any other means for getting back their money.

secured loans

When Can You Use Secured Loans?

When borrowing a secured loan the lender won’t ask you the reason you are buying so much money. So, you can use secured loan for any purpose, the money is all your so spend it any way you like.

You can borrow secured loan for a family vacation, or any other trip. If you have a small business in mind you can get a secured loan. You can use it for your kid’s school fees or any summer camp that they want to attend. Most people use secured loans for buying a new car, or a motorbike, or to just pay off some other debts.

So you can decide what you want to do with your secured loan, just borrow what you can afford. Remember to make timely repayments and don’t miss any.


How Much Can I Borrow in Secured Loans?

The most important question that most of the people ask “How much can I borrow with secured loans?”

The amount that you can borrow from secured loans ranges from £2,000 to £500,000. Although, the exact amount you can borrow depends on certain factors. They take into consideration the value of the asset which you are keeping as a security, your income, if you can afford repaying in time and other few details. Lenders make use of the loan calculator to decide the loan amount, they see to it that you are given affordable interest rates and repayment amount which does not affect your monthly budget.


How Are Secured Loans Different than Unsecured Loans?

In secured loans, people with an asset like car or house only can apply for the loan. They get to borrow a huge amount at affordable interest rates, unlike unsecured loans. People make use of unsecured loans when their loan requirement is small and they don’t need a huge amount. Also, people with a good credit score who do not possess a risk are given unsecured loans. If you have a bad credit score then you can be given an unsecured loan but with higher interest rates than other forms of loans.


Read more:
What Are No Guarantor Loans?

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