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County Court Judgements

What Does a County Court Judgement Mean?

A county court judgement means that you have not repaid a debt and that a judgement has been made against you in county court in an attempt to get you to repay the money. A judgement filed against you in county court is a very serious item to have on your credit record. When a lender takes you to county court to redeem some of his/her losses, the magistrate may issue a judgement against you. This judgement is recorded by the county court and remains as part of your credit history. However, if you pay the debt within thirty days of having received the judgement from the county court, it does not appear in the credit register.

If you receive a county court judgement there are several things you should do right away. The first is to check the amount and the name of the lender that appears on the judgement from the county court to ensure that you do actually owe this money. You should try to pay the money within 30 days because a judgement against you in county court may make it difficult to obtain any more credit. If you cannot pay the judgement amount in full right away, then pay it when you can and apply to the county court for a Certificate of Satisfaction. This certificate costs ten pounds and even though the judgement from the county court will remain on your record for six years, future lenders will see that you have repaid the debt. If you ignore the magistrate's judgement made in the county court, you may have difficulty getting credit. Every possible effort should be made to prevent any creditor from filing for a judgement against you in county court.

What happens when a person cannot pay the debt when a county court judgement is issued?

If you are unable to pay the debt when you receive a county court judgement, then you should ask the courts to change the order. The judgement can be changed by submitting an N245 form, which you can get from the county court. The county court charges thirty pounds for filling out this application of a change of judgement. If you pay the debt directly to your creditor, then the county court will require verification that the judgement has been paid in full before the county court will notify the Registry Trust to either not list the judgement on your credit record or have a note added that the debt has been paid.

If the county court judgement has been set aside because you made the payment, the county court has three days in which to send notification about the judgement to the Registry Trust. It will probably take another three or four weeks to have the judgement from the county court removed from your credit record. If you do not pay the judgement form the county court, then it will be deleted completely after six years. However, the judgement by the county court and the fact that you make no attempt to repay the debt will not work to your advantage. Unless you have made an attempt to correct the judgement made by the county court, you may be turned down for a loan, unless you have a good explanation. There are lenders who will give you a second chance to improve your adverse credit, but if the same thing happens against and you get another judgement filed against you in county court, then you are in deep financial trouble. Having a creditor file a judgement in county court is a regular occurrence and in most cases the problem is resolved. If you are not available to go to the county court when you receive judgement notification, you should get the date changed because a judgement will be made by the county court in your absence.