Personal CCJ’s Issued Hits Record High

18th February 2020

The number of Personal CCJs issued for the year 2019 hit a record high. The level of CCJ’s issued against individuals now stands at double the figure that it was 8 years ago.

Data findings showed that claims against individual CCJs rose by 30,138 to 1.15m for the year 2019.

This number of CCJs is double the number it was in 2012. The Registry Trust has stated that the number of Personal CCJs is also probably going to increase over 2020 as well.

What is a Personal CCJ?

A CCJ, or County Court Judgment, is a Court Order made for money owing. Once a person has a CCJ on their credit file, it can make it very difficult for them to obtain credit. County Court Judgments are usually erased from the register if discharged within one month of issue. Any person or Business can apply for a CCJ against a person for the non-payment of debt. If the debt is not paid, it remains on the register for six years.

The figures released by the Registry Trust showed the average value of CCJ debts rose 5% to £1,506.

Do you need to enforce a CCJ?

The large number of Personal CCJs has seen growth in the Debt Collection and Enforcement industry, and unpaid CCJ levels have also increased. The options on how to enforce payment of a CCJ vary: these include High Court Enforcement and Charging Orders on debtors’ property.

Get in touch with DCBL to find out more about recovering money owed to you.