A County Court Judgment, or CCJ, as it’s known, is a judgment against you for a debt you haven’t paid for some reason.  In Scotland, it will be called a “decree”; different name, same problems.

It doesn’t matter how trivial it seems, it can have a huge impact on your life.

A CCJ can be for a ridiculously small amount of money.  A few quid even.  Forget to pay for parking?  Maybe a ticket machine was out of order?  When you read the carpark signage – which of course you did; we all read all the signs when we park our car, don’t we? – and didn’t pay, you broke the contract’s terms.  So now the car park management has the legal power to make you pay – and that’s when the CCJ chaos begins

You might not even know there’s is a CCJ against your name.

Think that’s ridiculous?  Yes, so do we, but it happens all the time.  

You’re notified about your CCJ by post, so if you change address or it goes to the wrong address, it might not find you.  

And that’s your nightmare.  Because as far as the court knows, you owe money and you’re not paying.  And the details of the CCJ are all about you, and not about the person to whom you allegedly owe the money. 

So it’s your problem, not theirs.