Can a Bank Get a Charge Against My Home?

legal scales

Question Years ago I was foolish and did not repay a loan to my local bank. I just let it go, and the bank got a CCJ against me. Now they are contacting me as I have a property and are saying they are going to get a charge against my home. Can they do […]

Can I Get a CCJ Removed?

court system

Question My debt has gone to a CCJ. Can you get rid of a CCJ, and if so how? Answer Hi, Yes you can “get rid” of a CCJ, but it depends on when the CCJ was issued. If you can pay the debt or CCJ, within 30 days, it will not be registered, and […]

I Owe Council Tax And Don’t Know What To Do?

tax

Question Jon, I have read what you wrote about CCJ’s and also the courts enforcing the judgment. I owe Council Tax and have been in arrears for sometime now, and recently the Council sent me a court notice that they are seeking a judgment against me. I know this is serious, but I don’t know […]

A Charging Order Has Been Placed Against My Property, Help!

For sale sign

Question Help! I received a CCJ and now I have been informed I have a charging order against my property. What can I do? Are they going to repossess my home? Karen Answer Karen, Charing Orders are serious, and a part of the enforcement process of having a CCJ/County Court Judgment. A couple of questions […]

CCJ’s – The Courts – Enforcement Orders

the courts

There have been many delays and cancellations due to the pandemic in the past couple of years, and it appears as those delays may linger on for a bit more time. One of those delays and cancellations has been in the court system. You can now file for bankruptcy online, and also file for divorce […]

CCJ Enforcement Orders 101 ( The Basics)

scales of justice

I have been receiving more questions from readers regarding bankruptcy and also defaulting on loans and receiving a CCJ/County Court Judgment. Some are being threatened with being made bankrupt by one of their creditors. While the threat of being made bankrupt should always be taken seriously, it may be just that a threat. You need […]

What is a County Court Judgment or CCJ and What Happens If I Have One?

judge banging a gavel

One of the tools to collect a debt in the arsenal of creditor’s collection efforts is a CCJ or County Court Judgment. When a creditor decides to go to the courts and get a CCJ, in some instances, not all instances, they may have exhausted all the other efforts they may have tried. It may […]

I Have a CCJ, Can The Courts Take My House?

court gavel, judgment

Question Hi, I foolishly signed as a guarantor for a now ex-friend of mine. He defaulted on the loan, and I was contacted to pay. I could not afford to repay the loan, so it went to court and a CCJ was issued against me. I entered into a payment plan, but I am unsure […]