CCJ's

Having a county court judgement registered against you is far more common than you may think. Each year in UK approximately 1 million CCJ's are registered.

It can happen all too easily, sometimes without you even being aware of it. A divorce, unemployment, or perhaps that large bill that you simply couldn't afford to pay. Whatever the reason once you have a CCJ registered against your name, your chances of getting a mortgage or remortgage accepted by a high street lender are very unlikely.

It's a simple fact that it's much easier for a lender to simply refuse your application rather than investigate the circumstances that led to your problem.

Even if you have paid the debt off and the judgement is now marked as satisfied the CCJ will remain on your credit file for a period of 6 years.

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