Uk judgment default 2025

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A CCJ is removed from the Register and your credit file after six years, even if you have not paid it. During those six years, the creditor and court can still take action against you. It is very risky to wait for a CCJ to drop off your credit file.
Understand your options if the civil court has ordered that someone else must pay you money but they have not paid you when they should. This kind of order is often known as a county court judgment or CCJ. Sometimes the money owed is called a judgment debt.
Most often, it is a judgment in favor of a plaintiff when the defendant has not responded to a summons or has failed to appear before a court of law. The failure to take action is the default. The default judgment is the relief requested in the partys original petition.
If you dont pay a debt you owe, a creditor or debt collector can sue you. If they win the case theyll get a court judgment, which gives them access to serious debt collection methods like wage garnishment. In most states, judgments last for 510 years, but in some states the time frame is longer.
Its important to keep up payments after the judgment has been made. If you dont, your creditor might take more action to get the money back. For example, they might ask the court to send bailiffs to your home or take money from your wages.

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Once a default judgment has been obtained, the Claimant can take enforcement action to recover the judgment sum by, for example, instructing bailiffs, applying for an attachment of earnings order or obtaining a charging order over the Defendants home.
You can ask the court to use bailiffs to collect the money, by either filling in a warrant of control form or using Money Claim Online. The bailiff will ask for payment within seven days and if the debt isnt paid, theyll visit the persons home or business, to see if anything can be sold to pay the debt.
If you do not pay anything once you have received the judgment, or you do not keep up with the payments, the claimant can ask the court to enforce the judgment. The claimant will have to pay a fee for this and this will probably be added to the amount you owe. If you do nothing now, you may have to pay more later.

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