County Court Judgement (CCJ)
CCJ Car Leasing
At Compass Vehicle Services we welcome customers who have CCJs, but before we explore CCJ car leasing, let’s take a look at what a County Court Judgement (CCJ) is.
If you owe money to a company or person they can take out a County Court Judgement against you.
The court will decide if there is a debt that needs to be paid and it is at this point that the court will set out how the debt will be paid.
You will first receive a CCJ Claim Form, within this form there will be an explanation of the amount you owe and who you owe it to.
Along with this form you will also receive an admission form, the admission form is there for you to defend the claim if you do not intend to pay it.
The defending claim needs to be sent back within 14 days. It is vital that you do not ignore this in the hope it will go away or that you will receive another letter, you will not and it will be issued anyway in a default judgement.
What are the options with a CCJ?
There are various options available to you with CCJ’s
You can either
- Pay the debt in full straight away – This eliminates a court hearing and no CCj will be recorded against you.
- You can request to make a payment plan – fill out the form asking to pay in instalments.
- Dispute the claim – Send the forms back to dispute the debt – If you feel that you do not owe the money then you can put your own case forward. The court will then decide who is in the right.
- If you require more time to put your case together you can fill out an Acknowledgement of Service Form, asking for a little more time to put your defence together.
- If it is in fact you that is owed money due to the debt you can also put in a counter-claim.
If you are unable to make the payment on CCJ in court you can organise a payment programme which is affordable to your income.
It is important to understand that if you do not make payment then the person you owe the money to can go back to court to enforce the judgement, not only will this incur more costs but this could even extend to bailiffs visiting you.
How long is a CCJ recorded
There is a CCJ register – The Register of Judgements, Orders and Fines and the CCJ will stay on there for 6 years.
What does a CCJ mean to you in the future.
If you are applying for any kind of finance, that finance company will do a credit check on you and your CCJ will show up. So even if you feel that you should not have been taken to court but you neglected to act in the early stages you will still have the CCJ registered against you.
Getting a car lease with a CCJ
6 years is a long time and even if you were having financial difficulty then, does not mean you are having financial problems now. It is for this exact reason that CVS Ltd do not look at credit scores and credit checks as their first port of call.
We look at affordability and traceability in our leasing applications see more here.
We hope that this has been a good explanation of CCJ’s, Please note that we are not legal professionals, if you have any concerns regarding CCJ’s you should seek advice from a professional.
Very good service. Got me a car when I was struggling with a poor credit rating. Nice car, decent price.Paul Taylor
Fantastic service great staffWarren Brown
From the moment I made contact with CVS, the team has always been helpful efficient and approachable with any issue or query.Trish H
Good sub-prime car leasing company. Very friendly and helpful in the main and helped me to get on the road where others wouldn’t.Roger