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I just received a CCJ judgement - what happens now?

Once your creditor has won the case in court and gets a judgement (the CCJ) against you, the copy of the CCJ is then sent to you.

Well, once you receive it you should then pay by following the instructions.

However, if you decide not to pay then the creditor, (whoever won the judgement against you) has several options and they may take up one or even all of them if the debt is high enough and they are determined to get back the money you owe them. The CCJ is an order to pay, if you decide not to pay it then the creditor has to take further legal steps to get that order fulfilled.

  • Normally they would send in the County Court Bailiff to seize goods to the value of the debt and costs. If you refuse to allow entry the police can attend.
  • Your creditor can obtain attachment to your earnings if they know where you live or where you work , however if you move after the judgement then the whole enforcement process starts again.
  • If the judgment against you is over £500 they go to the High Court for the High Court Enforcement Officers to execute the order. The High Court Officers are allowed to add fees to the debt which you will have to pay.
  • They can serve a Third Party Debt Order. This is served on an individual or company that holds money for you! E.g. the bank where you hold your bank account.
  • If you now own a property since the judgement then they can obtain a Charging Order on property. You will not have to pay anything until you subsequently sell the property and realise any profit.
  • You maybe asked to attend court for questioning. An order personally served on you will require you to attend court at a given time and date where you are questioned under oath about your finances and assets. If you fail to turn up there is a threat of prison for breach of the order!!
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