Trust Online

Faqs & help


Here are our tips on using this site. There's lots more advice on judgments, court orders and fines in the section on understanding judgments and fines.

1 -
What does Registry Trust do with judgment and decree information?

As well as maintaining the register for anyone to search we pass the information to the credit reference agencies.

2 -
Who are the credit reference agencies?

There are three agencies who purchase consumer information and eight agencies who purchase information about businesses. You will find their e-mail details on our links page. Their correspondence addresses are listed below.

Consumer – credit reference agencies

Callcredit Ltd
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US

Experian Ltd
Consumer Help service
PO Box 8000
Nottingham
NG80 7WF

Commercial – Credit Reference Agencies

Callcredit Ltd
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ

Credit League Ltd
Edwinstowe House
Edwinstowe
Mansfield
Nottinghamshire
NG21 9PR

Creditsafe.Com
Bryn House
Caerphilly Business Park
Van Road
Caerphilly
CF83 3GG

Dun & Bradstreet Ltd
Customer Services Department
5th Floor Westminster House
Portland Street
Manchester
M1 3HU

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US

Experian Ltd
Consumer Help service
PO Box 8000
Nottingham
NG1 5GX

Graydon UK Ltd
Hygeia Building
66 College Road
Harrow
Middlesex
HA1 1BE

Masterwatch
Credit Check House
Authorpe Road
Meanwood
Leeds
LS6 4JB

3 -
How accurate are the Registers?

As a non-profit organisation, Registry Trust is able to check and verify information more intensively than any commercial company could. It works to standard of accuracy in excess of 99.9 percent. We individually check every record received from the courts – which is currently approximately a million a year – and return queries to the courts to investigate and resolve.

However the role of each register is to record the information held by the courts, not to improve it.

4 -
What happens to incomplete information?

If the information is incomplete either it may not be registered or it may not be used by credit reference agencies if it fails to meet the tests of the data protection laws.

It is important for all defendants to be clearly identified by forename and surname to avoid confusion between people with similar names at the address.

5 -
Why do courts not make the information accurate in the first place?

It is the duty of the courts to provide access to justice, not to do the claimants work for them. If asked the court staff will give advice to help the claimants.

6 -
How about solicitors? Do they have a duty to be accurate?

Not according to their professional body, the Law Society.

7 -
Who is responsible for the information on the judgment?

In the first place the claimant, plaintiff or pursuer. Defendants have an opportunity to correct it when the claim is received. Registry Trust is looking at ways of helping claimants with correct identification.

8 -
What is a claimant, plaintiff or pursuer?

The persons who are owed money.

9 -
What is a defendant, defender or debtor?

The persons who owe the money.

10 -
What are administration orders?

They are known as mini-bankruptcies. Under an administration order the court takes over the administration of the debts of a person or of a company while an agreed regular amount is repaid.

11 -
Who can apply for an administration order?

Currently, any debtor with at least one county court judgment registered, can make application to the court for an administration order. If granted, this provides protection from further action by creditors in respect of any debts listed under the order.

Creditors not included in the order cannot pursue their debts separately through the courts – if they try, these debts are automatically added to the administration order.
Administration orders only apply in England and Wales.

12 -
What is a varied administration order?

It is where the amount of debt agreed under the original administration order is changed, or a new debt added.

A varied order replaces the original administration order.

13 -
Are the courts required to provide administration order details for the public register?

Yes. But only administration orders against individuals.

14 -
How do I get my administration order marked as satisfied?

Where an administration order has been paid in full, you can apply to the court for a certificate of satisfaction, for which a court fee is payable. Any judgments within the administration order must be satisfied separately.

15 -
What is a revoked administration order?

Where the defendant does not make the regular payment ordered by the court, the arrangement under the administration order may be withdrawn and the order revoked. This releases creditors from the restrictions imposed and enables them to take further legal action – either obtaining a judgment where one does not already exist or making a bankruptcy application.

16 -
Is a set aside administration order removed from the Register?

Yes, when the courts notify Registry Trust.

17 -
Can an administration order be cancelled?

Yes. If an administration order is paid in full within one calendar month from the date of the order the debtor can apply to the court for a certificate of satisfaction, for which a court fee is payable .

18 -
Does the register contain corporate administration orders?

Under the Insolvency Act 1986, an administration order may be made against a limited company. Details of corporate administration orders are notified to Companies House, they are not held on the register.

19 -
What advice do you give to claimants, plaintiffs or pursuers?

Follow these six steps if you want to reach the right person or company, making recovery of your money more likely and the registration more accurate and usable:

1) An individual can trade as a business, but not as a limited company. So, “B.Wise t/a Wise Removals” is fine. But “B.Wise t/a Wise Removals Ltd” is incorrect.

2) A limited company cannot trade as another limited company, nor can a firm trade as a limited company, but a limited company can trade as a firm.

3) Wherever possible state the full forenames on the claim form; as a minimum the title and initials.

4) State the defendant’s address on the form. A “care of” address, either at a place of work or at a solicitors will be ineffective even if the judgment is registered, since checks of the Register look at names and residential addresses over the past six years.

5) If you use a PO Box address other than for a limited company, the judgment cannot be registered and enforcement will be difficult.

6) Claims may not be delivered and judgments cannot be registered if no house name or number is given on the form.

20 -
Should I spend money on credit repair?

Recent years have seen a growing industry in credit repair. Regrettably, a number of disreputable companies have emerged, playing on the general public’s lack of knowledge and offering to provide services in ‘managing’ individual’s credit.

In many cases, defendants have paid considerable sums of money to these companies that advertise “Removal of CCJs” or ‘Judgments legally removed’ , often to no avail, and sometimes being encouraged to commit perjury, thus laying themselves open to prosecution. Where an amendment to the Register could legitimately have been undertaken, this could normally have been undertaken by the defendant at very low cost.

During the year 2000, Trading Standards departments reported more than 800 complaints about credit repair companies and during the year 2001 the number was 619.

The Office of Fair Trading (OFT) warns that “the information given by these companies may be wrong, misleading or guaranteed to get you into worse trouble – and ensure that you are even more out of pocket. They may also be a ‘front’ for a lender or broker who is simply trying to sell you a loan.”

As the Director General of the OFT points out “these (credit repair) companies offer nothing you cannot do for yourself. County court judgments cannot be removed from credit files unless they have been discharged (within a month) or were incorrectly granted.

Unsubstantiated claims that a court summons was not received or that correct procedure was not followed will not persuade a court to remove a judgment from its records.

It is possible to check for yourself what is on your files and request that corrections are made if the information is incorrect. Advice and guidance on this is available from your local trading standards department and local citizens advice bureau.”

If you have serious debt problems contact the Consumer Credit Counselling Service who offer free advice.

21 -
How long is judgment and decree information kept on the Registers?

Judgments and decrees are reported by credit reference agencies and by Registry Trust Ltd for a period of six years from their date of registration except in the case of Jersey where judgments are enforceable for 10 years. With effect from 1st May 2011 all Jersey judgments added to the Register will be retained and reported for a period of 10 years rather than the 6 year period that applies to judgments added before this date.

Judgments and decrees paid within a calendar month can be removed from the Register. Where the judgment or decree was paid outside one calendar month, the judgment will be marked on the register as satisfied but will be reported for the six years or ten year period as appropriate.

22 -
What impact can judgment information have on my life?

If you have a judgment against you may find you have:
* Credit refused to you
* Higher interest rates to pay
* Mortgage refused unless you satisfy the debt first
* Difficulty in trading – other firms may be doubtful about supplying
* Job applications turned down.

It is important to pay any uncontested judgment within a calendar month so that there are no adverse consequences that may affect your ability to obtain credit.

23 -
How do I get my County Court judgment held on the England and Wales Register marked as satisfied?

From 6th April 2006 when the court are provided with evidence that a judgment debt has been paid in full, that court should notify us to amend the register. When the debt has been repaid outside one calendar month of the judgment date the register will show the entry as "satisfied". You may also apply in writing to the relevant court for a Certificate of Satisfaction enclosing:

a) evidence that the debt has been fully repaid,

b) a statement advising that reasonable steps have been taken to obtain such evidence but you have been unable to do so; or

c) a statement advising that you believe the evidence of payment is already held at the court; and

the court fee of £15 (cheque payable to HMCTS)

24 -
How do I get a decree held on the Scottish Register marked as satisfied?

1) Obtain written evidence from the pursuer, or the pursuers agent, confirming:

i. Name of the court

ii. Case number

iii. Date of decree

iv. Amount of decree

v. Date that the debt was repaid in full

2) Forward the original written evidence to: Registry Trust Limited 153 – 157 Cleveland Street London W1T 6QW With confirmation of the defendant’s name and address at the time of the decree and enclosing an administration fee of £4.00 (made payable to the “Registry Trust Limited”) for each named person or business at a specified address or limited company name.

25 -
How do I get my Judgment held on the Northern Ireland Register marked as satisfied?

1)Obtain written evidence from the claimant, or the claimant’s solicitor, confirming:

i. Case number

ii. Date of judgment

iii. Amount of judgment decree

iv. Date that the debt was repaid in full

2)Forward the original written evidence to: Registry Trust Limited 153 – 157 Cleveland Street London W1T 6QW With confirmation of the defendant’s name and address at the time of the judgment and enclosing an administration fee of £4.00 (made payable to the “Registry Trust Limited”) for each named person or business at a specified address or limited company name.

26 -
How do I get my Judgment held on the Isle of Man Register marked as satisfied?

In order to have a judgment marked as satisfied the defendant should provide proof of payment to the local Coroner’s Office who will issue a certificate of satisfaction at a cost of £10.80. This certificate can then be presented to the General Registry, Isle of Man Courts of Justice, who will notify Registry Trust that the entry should be amended to read “satisfied”.

27 -
How do I get my Judgment held on Jersey Register marked as satisfied?

1) Obtain written evidence from the plaintiff, or the Plaintiffs solicitor, confirming:

i. Date of judgment

ii. Amount of judgment

iii. Date that the debt was repaid in full

2) Forward the original written evidence to: Registry Trust Limited 153 – 157 Cleveland Street London W1T 6QW with confirmation of the defendant’s name and address at the time of the judgment and enclosing an administration fee of £4.00 (made payable to the “Registry Trust Limited”) for each named person or business at a specified address or limited company name.

 

28 -
How can I remove my County Court judgment held on the England and Wales Register?

A judgment registration is only removed because it was:

a) entered in error,

b) paid before the court date,

c) cancelled because full repayment was made within one calendar month of the judgment date

If judgment was entered in error, application must be made to the court to have the judgment set aside for which a court fee of £155 is payable (payable to HMCTS). If granted the court should notify us to remove the judgment from the register.

From 6th April 2006 when the court are provided with evidence that a judgment debt has been paid in full either before registration or within one calendar month of the judgment date the registration will be cancelled and removed from the register once we have been notified by the court.

You may also apply in writing to the relevant court for a Certificate of Cancellation enclosing:

a) evidence that the debt has been fully repaid with one calendar month of the date of the judgment

b)  a statement advising that reasonable steps have been taken to obtain such evidence but you have been unable to do so,

c) a statement advising that you believe the evidence of payment within one calendar month of the date of judgment is already held at the court; and the court fee of £15 (cheque payable to HMCTS)

29 -
How can I remove my decree held on the Scottish Register?

Decrees are only removed from the Register if they are recalled by the court, entered in error or paid in full within one calendar month of the date of decree.

If the decree was paid prior to the court date or entered in error you can apply for a recall through the court. Alternatively you should request a letter from the pursuers or their solicitors confirming that the decree went ahead in error or was paid in full within one calendar month of the date of the decree. The letter should include details of the decree such as the date, amount, court, case number.

The original written evidence should then be forwarded to: Registry Trust Limited 153 – 157 Cleveland Street London W1T 6QW With confirmation of the defendant’s name and address at the time of the decree and enclosing an administration fee of £4.00 (made payable to the “Registry Trust Limited”) for each named person or business at a specified address or limited company name.

 

 

30 -
How can I remove a judgment held on the Northern Ireland Register?

A judgment is removed if it has been set aside by the court because it was entered in error, paid before the court action or paid in full within one calendar month from the date of the initial entry.

If the judgment was either entered in error or paid before the court action, application should be made to the court to have the judgment set aside.

The judgment can also be removed when the Trust is provided with satisfactory evidence, confirming that the debt was repaid within one calendar month.

31 -
How can I remove a judgment held on the Isle of Man Register?

Judgment registrations are only removed if they are entered in error, paid before the court action or paid within one calendar month from the date of judgment.

If the judgment was either in error or was paid before the court action, application must be made to the General Registry to have the judgment set aside, for which a court fee of £20 is payable. A sworn affidavit is also required which can be prepared at the court for a fee of £3 or by a solicitor who will charge a fee which may be higher. When the General Registry notifies Registry Trust that a judgment has been paid within one calendar month, it will remain in the Isle of Man Courts of Justice Judgment Book but will be removed from the RTL Register and from the files of the credit reference agencies. Registry Trust has adopted this policy in order to provide parity for consumers.

32 -
How can I remove a judgment held on the Jersey Register?

Jersey Judgment registrations are only removed if they were entered in error, paid before the court action or paid in full within one calendar month from the date of judgment. If the judgment was entered in error or paid before the court action: Royal Courts - application must be made to the court to have the judgment set aside, for which a court fee of £44 is payable. Petty Debt Court - attendance in person at the Magistrates’ Court Greffe, with some form of personal identification, is required. Court staff will advise of the procedure and likely cost. Application to set aside can only be made if the judgment was taken in absence. The court also requires a sworn affidavit to support the application, detailing the following aspects which may, or may not, be applicable:

i.Reason for absence in court at the time of judgment

ii.Circumstances under which the judgment became known and the steps taken to remedy the situation

iii.Outline of the defense to the claim

The Courts will notify Registry Trust when a judgment has been set aside and the item is removed from the Register. The judgment can also be removed when the Trust is provided with satisfactory evidence, confirming that the debt was repaid within one calendar month.

33 -
What if I can’t afford the court fees?

Ask the court staff for advice.

34 -
I have been making payments towards the debt. Can this be shown on the register?

No. You may wish to contact credit reference agencies and ask them to include a notice of correction on their files

35 -
Is Registry Trust responsible for information held by the credit reference agencies?

No. The Trust cannot be held responsible for information held by credit reference agencies as it has no jurisdiction over privately maintained records.

36 -
What is a notice of correction?

A piece of information which you as an individual would like a credit reference agency to include in your file in order to explain the information held. Where the notice relates to a judgment or decree, Registry Trust operates an exchange for credit reference agencies through which you only need to notify one – the rest will be notified automatically. Do not send your notice to the Trust – it must be sent to one of the credit reference agencies.

37 -
Why does one of the records shown in my search response have an asterisk at the start of the name?

This is because we use an automated system for providing search responses. In order to provide the most complete response we will sometimes include records which although not identical, are very similar in name to the details searched. These possible matches are identified with an asterisk. It is the responsibility of the applicant to ascertain whether any record shown on a search response relates to the name searched.

39 -
If I have been discharged from bankruptcy or sequestrations, will my judgments be removed from the register?

No. It is a different process. Each judgment or decree must be dealt with separately and then marked as satisfied.

40 -
How much does it cost to search the Register?

Each search made will be against a single name or trading style at a single specified address or against a limited company.  Searches can be requested against any of the Registers held by RTL. Searches requested against multiple Registers and, or sections of the Register of Judgments, Orders and Fines for England & Wales (E&W) that use the same search criteria will show a discounted pricing structure. The pricing details are shown below and all include 20% VAT. (Payments accompanying postal applications and being made by cheque should be made payable to Registry Trust Limited.)


One search on a Register or section of the E&W Register           £ 4.00

Two Registers and/or sections of the E&W Register                    £ 8.00

Three or more Registers and/or sections of the E&W Register     £ 10.00

Searches against multiple names or trading styles at the same address constitutes different search criteria and separate search fees apply against each name or trading style.

Searches at multiple addresses against the same single name or trading style constitutes different search criteria and separate search fees apply against each address specified.

The search will only be against the name and address or company name that you have entered, there are no links between addresses. Judgment records are filed at the address supplied by the claimant at the time of the hearing and do not move unless the court subsequently advise that the address was incorrect. Therefore if you are looking for a particular entry in the Register you must search the address at which that judgment was first registered.
 

41 -
Are there different arrangements for the bulk purchase of information on the Register?

For commercial customers wanting larger quantities of data for commercial purposes we have a number of different options.

For customers who wish to carry out larger numbers of searches against names and addresses we have account facilities which make it simpler and faster to enter requests. These are higher usage customers and as a result may be eligible for discounted search rates. If you expect to make frequent searches, registering as an account customer may be appropriate for you. After the first month’s usage the standard price can be reviewed upon request and a future discount may be applicable. Accounts are prepaid so you will need to credit your account with a minimum of £540 before you are able to search our registers. Credit payment can be made online using a credit/debit card or you can pay by cheque or bankers draft and your account will be activated once the funds have cleared. To register as an account customer please visit our B2B page.

 

For further assistance please e-mailinfo@trustonline.org.uk

 

For customers wishing to buy data by area we can provide information relating to judgments by court or county instead of by specific name and address. These weekly reports are available on paper only and include judgments processed the previous week and can include consumers or commercial enterprises or both. A deposit equivalent to three months supply is payable in advance.

Alternatively, the data from any of the jurisdictions for which we hold registers can be supplied electronically on a daily basis. Different costs and contracts apply for this arrangement and the minimum contract period is for one year.

For further details on either of these data purchase schemes please e-mail dataprocessing@registry-trust.org.uk 

42 -
Does the register hold debts in respect of poll tax or council tax?

They are dealt with thorough the magistrates court, not the county courts in England and Wales. As a result if a fine is not paid then it may be registered in Section 3 of the Register.

43 -
How do I get my High Court judgment marked as satisfied?

When the court are provided with evidence that a judgment debt has been paid in full, that court should notify us to amend the register. When the debt has been repaid outside one calendar month of the judgment date the register will show the entry as "satisfied". You may also apply in writing to the relevant court for a Certificate of Satisfaction enclosing:

a) evidence that the debt has been fully repaid,

b) a statement advising that reasonable steps have been taken to obtain such evidence but you have been unable to do so; or

c) a statement advising that you believe the evidence of payment is already held at the court; and the court fee of £15 (cheque payable to HMCTS)

44 -
How do I get my High Court judgment removed from the Register?

A judgment registration is only removed if it was set aside because it was:

a) entered in error,

b) paid before the court date,

c) cancelled because full repayment was made within one calendar month of the judgment date

If judgment was entered in error, application must be made to the court to have the judgment set aside for which a court fee of £155 is payable (payable to HMCTS). If granted the court should notify us to remove the judgment from the register.

From 6th April 2006 when the court are provided with evidence that a judgment debt has been paid in full either before registration or within one calendar month of the judgment date the registration will be cancelled and removed from the register once we have been notified by the court.

You may also apply in writing to the relevant court for a Certificate of Cancellation enclosing:

a) evidence that the debt has been fully repaid with one calendar month of the date of the judgment

b)  a statement advising that reasonable steps have been taken to obtain such evidence but you have been unable to do so,

c) a statement advising that you believe the evidence of payment within one calendar month of the date of judgment is already held at the court; and

the court fee of £15 (cheque payable to HMCTS)

45 -
Whose name might appear on the Fines Register?

Fines Officers in the Magistrates courts may register a defaulted fine against:

  • an individual in his or her own name, eg "John Smith"
  • a trading style, eg "ABC Taxis" or
  • an individual with a trading style, eg "John Smith trading as ABC Taxis"

Defaulted fines are not registered against corporate bodies and a request to search a Limited or Plc will receive a result of "Nothing Registered".

 

46 -
Is a search request the only way of obtaining information about an entry in the England & Wales Register of Judgments, Orders and Fines?

For each entry shown on a search result for the England & Wales Register of Judgments, Orders and Fines it is possible on request to obtain a certified copy of each entry. There is a fee, in addition to the search fee, of £10 per certified copy.

47 -
What are Tribunal Awards and how do they appear on the Register?

Tribunal Awards are the results of decisions from First-tier Tribunals, Upper Tribunals, Employment Tribunals or Employment Appeal Tribunals. Details of an Award are only added to the Register once steps have been taken in the High Court or County Court to enforce the Tribunal decision. The Register will then show the amount of the debt.

The types of Tribunals in the High Court or the Royal Courts of Justice are:

First Tier Tribunal – Transport
First Tier Tribunal – Care Standards
First Tier Tribunal – HM Land Registry
First Tier Tribunal – Charity
First Tier Tribunal – Gambling
First Tier Tribunal – Information
First Tier Tribunal – Social Security and Child Support
Upper Tribunal – Land
Upper Tribunal – Tax
Upper Tribunal – Administrative
 
The types of Tribunals in the County Court are:
Employment Tribunal
Employment Appeals Tribunal
First Tier Tribunal – Transport
First Tier Tribunal – Care Standards
First Tier Tribunal – HM Land Registry
First Tier Tribunal – Charity
First Tier Tribunal – Gambling
First Tier Tribunal – Information
First Tier Tribunal – Social Security and Child Support
Upper Tribunal – Land
Upper Tribunal – Tax
Upper Tribunal – Administrative
ACAS Settlements
ACAS Conditional Settlements


Enforced Tribunal Awards may be satisfied or removed in the same way as county court or high court judgments. The courts are required to notify RTL of any subsequent amendment to the Register, including when an enforced Award is satisfied or set aside.
Enforced Tribunal Awards are only removed if they were entered in error, paid before the court action or paid within one calendar month from the date of Award.
If a defendant feels that details of a registration are inaccurate, application should be made to RTL providing particulars of the Tribunal Award and stipulating the required amendment.
If a recent search of the Register has not been undertaken, the requisite search fee must be enclosed.
The query will be raised with the relevant court who will investigate and respond to RTL. Upon receipt of their response, the defendant will be advised and, if appropriate, the Register will be amended.

 

48 -
Do you have an email spam filter?
49 -
How to make payments to Registry Trust Limited

Payments by cheque should be made payable to Registry Trust Limited.  If you are an account customer and wish to make a payment by bank transfer please contact us for further details.

50 -
Which possession orders appear on the Register?

There are a variety of orders that a judge can make in a possession hearing. For more details of these see the Direct.Gov website here.

The only orders which will be reflected on the Register of Judgments, Orders and Fines are those where there is a money judgment attached to the possession order.

51 -
I'm having problems downloading/viewing my search result PDF, what should I do?

There could be several causes for this. Firstly, make sure you do not have a popup blocker enabled on your browser. Secondly, there can be a conflict if Adobe Acrobat Standard (not Adobe Reader) is installed on your computer. If Adobe Standard is installed, go to the 'Internet' sub-category in the Preferences window and check that 'Display PDF in browser' is enabled. If you still experience problems, please contact our Customer Services Department on 020 7380 0133

Search yourself

  • Check What records of CCJs and other judgments are against your name?
  • Understand Why lenders might refuse you credit.
  • Update Have the registers been updated correctly?

 

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  • Other people Have they refused to pay what they owe before?
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