Complete your forms online
If you don’t have time to reply by post you can reply online (as long as your claim was issued from the Northampton Bulk Centre). You can do this by visiting Money Claim Online and using the log-in details that will be on your N1 form.
You still have 19 days from the issue date on the N1 to reply online. This can be useful if you’re close to the deadline and don’t have time to get your forms back to the creditor by post.
How will a CCJ affect my credit file?
Your CCJ will be added to a public database called the Register of Judgments, Orders and Fines within a month. It’ll then appear on the register and on your credit file for a further six years.
Anyone can check the public register to find out if you have outstanding CCJ for a fee of £4.
After six years, the CCJ will be removed from the register and from your credit file, even if you’ve not yet paid it off.
Having a CCJ on your credit file will make it much harder to take out further credit. However, if you're struggling with debt the most important thing is that you get free debt advice to manage your payments. Once you're back in control, your credit file can be repaired.
Can I remove a CCJ from my credit file?
If you pay the CCJ in full within a month of the judgment, you can apply to have the CCJ removed from the public register and from your credit file. To do this, you need to apply to the County Court hearing centre which issued the judgment, providing them with proof of payment. You do this using court form N443 Application for a certificate of satisfaction / cancellation. There’s a £15 court fee to do this, but if you’re on a low income, you may be able to get this for free – see court form EX160A How to apply for help with fees to see if you qualify.
Once the court has evidence you’ve paid the CCJ within a month, they will contact the Registry Trust to remove the judgment from the public register.
If you pay the CCJ more than a month after the judgment, you can’t remove it from the register so it will appear there for six years. During this time, if you do pay it off, you can apply to the court for a certificate of satisfaction as mentioned above. This won’t remove your CCJ from the public register, but it will show anyone who checks the register that it’s been paid off or ‘satisfied’.
What happens if I can't pay my CCJ?
If you don't keep the payments towards your CCJ up to date, then your creditor can take further action to collect the debt. Find out more about what creditors can do to enforce the debt against you.