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A year of two halves as rise in CCJs stalls PDF Print E-mail
Monday, 12 March 2018
There were more county court judgments (CCJs) against consumers in England and Wales during 2017 than any other year since current records began in 2005, according to figures released today by Registry Trust. 

Registry Trust is the Registrar of Judgments, Orders and Fines in England and Wales (on behalf of the Ministry of Justice). In addition, it collects, verifies and publishes judgment information from jurisdictions across the British Isles and Ireland. A judgment is incontrovertible proof that debt has not been managed successfully by an individual.

Credit reference agencies licensed by the Trust receive regular updates on unpaid judgments. This information affects lenders’ readiness to offer credit and can lead to difficulties with loans and mortgages as well as higher borrowing costs.

In 2017, 1,138,058 judgments were registered against consumers in England and Wales. Rising almost a quarter on 2016, the total number of adverse CCJs has risen year-on-year for the past five years.

There were 19.49 consumer judgments per 1,000 people in 2017, compared with 15.77 the year before.

In the first half of the year there was a 41 percent increase in the number of CCJs compared with 2016. But during the second half, the increase was only six percent.

The average value of a consumer CCJ fell 13 percent to £1,493, the lowest value on record. As a result of the increased number and lower average, the total value rose six percent to £1,699 million.

In the High Court only 136 judgments were registered against consumers in 2017, the lowest total on record. The total value of high court judgments (HCJ) fell 53 percent to £67,171,472, also the lowest on record.

The total value of debt judgments against consumers in all courts in England and Wales during 2017 was £1.8bn.

In 2017 Registry Trust received 206,834 requests to search the register for England and Wales online at TrustOnline allows anyone to search for judgments and similar information registered against consumers and businesses in jurisdictions across the British Isles and Ireland.

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