County Court Judgements:
There is a national register of judgements that can be accessed by anyone who pays the appropriate fee. This is a very useful resource for landlords wanting to check out information when screening new tenants.
The register of judgments is the sole place where the following judgments are recorded, and the register includes:
- County Court Judgments
- County Court Administration Orders
- Magistrates Court Fines
- CSA liability orders
- Tribunal Awards
The information on the register can be searched here https://www.trustonline.org.uk/ and you pay a fee to use the service.
Information that is held on the register
The detail held on the register include the name, address and date of the judgment along with the name of the issuing court. The creditor details are not provided.
When judgments won’t appear
A judgment won’t appear on the register if the debt is paid within a month of the judgment being issued.
Removal of judgments from the register
Judgments are removed from the register in the following circumstances:
- The debt was paid in full before the court date
- The judgment was paid in full within a month of the judgment being issued
- There was an error
- Six years have elapsed since the judgment was issued
The only person who can request the judgment is removed is the debtor named on the judgment and this must be done via court application.
Consequences of being on the register
If a debtor is named in a judgment held on registry trust, then it can have implications on their ability to obtain credit because it will adversely affect their credit rating. This can have a huge impact on mortgage applications and applications for credit cards and car finance. The bigger picture is that any credit that is available to them will come at a high cost as they will be viewed as high risk when it comes to repayment.
Enforcement of judgments
Explaining the months grace given to debtors before the judgment is entered into the database can be a useful way of eliciting payment.
To find out more about how we can enforce a judgment get in touch with the team.
By David Asker
David is an authorised High Court Enforcement Officer and our Director of Corporate Governance