CCJs and the register
The Register of Judgments, Orders and Fines includes details of CCJs.
Registration of CCJs
Registry Trust Ltd (RTL) is contracted to the Ministry of Justice to maintain the statutory public Register of Judgments, Orders and Fines for England & Wales, one section of which includes details of county court judgments.
Most CCJs will appear on the register but there are some that don’t. To be capable of being registered the judgment must either have been issued in default (i.e a judgment without trial where no defence was entered) or else defended and payment is by instalment order or where enforcement action is being taken. (There are other conditions and exemptions and for the full list of criteria please refer to the latest statutory instrument relating to the Register of Judgments, Orders and Fines Regulations).
There’s lots more information on this site about CCJs in the Understanding judgments and fines section.
What’s on the CCJ register
For each entry
- The name and address of the defendant,
- The court and case number,
- The date and amount of the judgment,
- Satisfaction details once RTL has been notified by the court.
To improve data accuracy, the regulations require judgments registered against individuals to include, where known, the defendant’s date of birth. A postcode must be provided unless leave of the court is obtained.
Unless set aside or cancelled, a judgment remains on the Register for a period of six years from its registration date.
The courts are required to notify RTL of any subsequent amendment to the Register, including when the judgment is satisfied or when a judgment is set aside.
Details of judgments, and any subsequent amendments, are sent to credit reference agencies, lenders will see them when you apply for credit.
Judgment registrations are only removed if they were entered in error, paid before the court action or paid within one calendar month from the date of judgment.
Amending a CCJ record
Defendants who feel that details of a registration are inaccurate, may apply to RTL, providing particulars of the judgment and stipulating the required amendment. If no up-to-date search of the relevant section of the Register has been undertaken, the requisite search fee must be enclosed.
The query will be raised with the court who will investigate and respond to RTL. Upon receipt of their response, any appropriate amendment will be made to the Register and the defendant advised.
The credit reference agencies will be notified of any satisfaction/cancellation or amendment and their records are normally updated within a week of the notification.
The case number of the action must be quoted to the court when any query is raised, as the court will not be able to find the file without this information.
The Register does not contain details of the claimant. This information is available, to the defendant, from the relevant county court.
The Register only shows the original amount of the judgment and cannot be updated when part-payments are made.
RTL cannot be held responsible for information held by credit reference agencies as it has no jurisdiction over privately maintained records. Debts in respect of poll tax or council tax are dealt with through the Magistrates Court, not the county courts in England and Wales.
If the Register shows details of a judgment when there is incomplete information or a slight variation in either the name or address (i.e. spelling) the search reply may mark this as a possible match "*".
Defaults / bankruptcy orders / individual voluntary arrangements
Default and bankruptcy information is held by individual credit reference agencies and does not appear on this Register. It should be noted, however, that judgment registrations are not affected by any discharge from bankruptcy.