Have you applied for a credit card, car finance, loan, mortgage or even a new mobile phone and been declined?
Have you been reckless with your finances in the past paid debts late or not at all?
It may be that you have a CCJ in you name.
When you owe money to someone, they can apply to the County Court for a judgment (CCJ) against you to claim the money. People often think that it is big companies that apply for these, it’s not. We have first had experience in these and they are really easy to issue.
When someone takes a County Court action against you, you'll be sent a CCJ Claim Form. The court form will explain how much the creditor says you owe them.
You're also sent an Admission Form. Don't ignore this form - send it back within 14 days. If you're late, the CCJ may be issued anyway in a default judgment.
A default judgment is binding – the claimant can take steps to have it enforced.
If you’re refused credit and think it maybe because you have a default CCJ against you, you should check the register: