A County Court Judgment (CCJ) may be registered against a person who owes money to a creditor or a company that has acquired their debt. If repeated attempts to get in touch with the debtor have not responded, the entity holding the debt may instruct lawyers to file court papers. A creditor may file a CCJ against you if they think you won't repay them for the money you owe them. If the courts agree with the creditor, they will issue the judgement and demand that you pay the debt. If you defy a CCJ or refuse to adhere to its conditions, the court may take more drastic steps, such as taking your possessions to pay the debt. 
The County Court Judgment (CCJ) will be reversed and removed from your credit report if you pay up your debt in full within one month of the date it was entered. CCJs that have not been paid are erased from your credit report six years after the month they were issued. The CCJ will be changed to reflect that the judgement has been met if you pay the debt in full within the first six years of its publication. Since there is a greater danger that borrowers won't be able to repay them, most lenders are hesitant to approve credit applications from clients with CCJs. 
It's not a brilliant idea to ignore a CCJ because doing so can result in your lender taking more drastic action against you. If you disobey a CCJ, your creditor may take one of the following actions: 
• High Court enforcement agents should visit your residence. 
• Make arrangements for your wages to be withheld to pay your debt. 
• Invite bailiffs to your house. 
Typically, as soon as your CCJ is awarded, you will be told about it. You might not be aware of it, though, if the court documents are delivered to the incorrect address, for example. To ensure that you don't have any CCJs on your record, check your credit report if you're having trouble getting credit and previously missed payments. 
You'll also get a reply form along with the letter of claim when you get your CCJ. Within 30 days after the day the letter was sent (you can find this date at the top of the letter), you must send the completed reply form to the creditor. It's crucial to achieve this by the deadline because the court won't consider your conditions if you don't. 
You have two options when responding: you can say that you want to fight the debt or take responsibility for it. You can next talk about the due date and whether instalment payments are possible if it is decided that you must pay the debt in the CCJ. 
Once the CCJ has been revoked, the court should notify the Registry Trust immediately. If the court occasionally forgets to update the Registry Trust, someone may need to remind them. You can also contact the Registry Trust directly if you have documentation that it has been set aside. 
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