County Court Judgments (CCJs) against consumers drop for the first time in five years
  • 30th Aug 2018
  • Article written by Emma Salmon
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The Registry Trust through its Registrar of Judgments, Orders and Fines in England and Wale verifies and publishes judgment information from jurisdictions across the British Isles and Ireland.

In May of this year, the number of county court judgments (CCJs) registered against consumers reached new heights and had been steadily rising for the past five years. The figures showed that during the first three months of 2018 there were 305,877 judgments registered, more than double the 150,622 registered during the same period in 2005 when records of county court judgments began.

The latest figures show a decline in judgments against consumers for the first time in five years. The drop in CCJs against consumers amounts to a 4% difference on the first half of 2017. We can also see a sharp rise in CCJs against businesses which are up 19% from the same period in 2017

Malcolm Hurlston, chair of the Registry Trust commented on the surprise drop:

’The number and value of judgments are affected by both the financial status of borrowers and the decisions of lenders and others at what level to go for a judgment. Over recent years creditors have been pursuing lower value sums and it may be that we are seeing the end of that trend as the same time as better consumer financial health.’

Hurlston said the figures can also be seen as a warning to businesses to pay debts on time. ‘If they don’t, lenders may well be showing an increasing propensity to take them to court for debt and leave a lasting mark on their records,’ he added.