Here at Shergroup, we offer a cradle to grave advisory service on what to do with a CCJ – to anyone who reaches out to us. CCJs are the starting point for High Court enforcement. Every year we transfer thousands of judgments from the county court to the High Court. And you may be pleased to hear that a number of these CCJs do get paid in full – either in one payment or over a period in an agreed payment plan.
So once the CCJ is satisfied we want to ensure people have the best information on how to update your credit file to show the CCJ is paid and satisfied. The best place for information on this topic is Registry Trust’s website and please click on this link to get the most up-to-date information | see http://bit.ly/2ogvt6S.
How County Court judgment records are updated?
If you pay the County Court judgment you will want the record to be updated CCJs are shown as either satisfied or unsatisfied on the Register. Satisfied means you have paid in full, unsatisfied means you have not. You can ask the court for this to be corrected if it is wrong.
If you have fully paid the CCJ more than a calendar month after the judgment date, you can apply to have it shown as satisfied by providing the court with proof of payment. The satisfied judgment will stay on the Register for the statutory six years from the date of the judgment.
When the court has received the proof of payment, they should notify us to amend the Register, to show the record as ‘satisfied’. Once updated, the Register will show that your debt has been fully paid and the date it was paid.
If you require a certificate showing that your record has been paid, you can apply to the relevant court for a 'Certificate of Satisfaction'. There is a court fee of £15 for the certificate.
You can only receive a “Certificate of Satisfaction’ if your debt is paid in full; part repayments are not recorded.