England & Wales Consumer Judgments Q4 2019

The number of County Court Judgments (CCJs) issued against consumers in England and Wales increased slightly in Q4 2019 compared to the same period last year. But, the value of judgments saw a significant increase of 17 percent, according to figures released today by Registry Trust.

The total value of consumer judgments hit £458,291,002 in Q4 2019. The average value saw a similar increase of 16 percent in Q4 2019 reaching £1,705 from Q4 2018’s £1,469.

The median value also increased 37 percent from £579 to £792. As the number of judgments increased by less than one percent in the same period, this suggests a larger number of higher value judgments being taken out against consumers.

In the High Court, judgments fell six percent despite the total value increasing 251 percent from £13,423,650 in Q4 2018 to £47,120,348 in Q4 2019.

The average value of High Court consumer judgments also saw a dramatic increase of 274 percent, from £406,777 in Q4 2018 to £1,520,011 in Q4 2019. This was due to one High Court judgment of just over £22,000,000 skewing the results. If we were to remove the outlying judgment the total value would be £25,045,551, an increase of 87 percent from Q4 2018 figures.

Registry Trust is the Registrar of Judgments, Orders and Fines in England and Wales (on behalf of the Ministry of Justice). This excludes claimant data which is public and available from the courts but not centrally registered.

On behalf of Registry Trust, Mick McAteer, Chairman said: “Registry Trust data on CCJs is a critical indicator of the state of UK household finances. The number of CCJs has seen huge growth in the post financial crisis period and this quarter are 111% higher than the same quarter in 2012 when they reached a post crisis low.”