small claims query

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    small claims query

    Hi everyone, I am a landlord gearing up for a possible day in court over deposit dispute. If I lose the case and pay up straight away does this count as a CCJ against me and thus cause me problems personally in terms of credit worthiness etc?
    Or is the CCJ only if I lose and then don't pay up on time?

    There is no question of you getting a CCJ under these circumstances. If the judge finds against you, you can either appeal or pay up.
    People who get "ccj's" against them are those for whom the court has found owe a debt and they have failed to settle it or adhere to the repayment scheme agreed by the court.

    Any information given in this post is based on my personal experience as a landlord, what I have learned from this and other boards and elsewhere. It is not to be relied on. Definitive advice is only available from a Solicitor or other appropriately qualified person.


      If you pay up in full within 28 days, the judgment is cancelled and removed from records. If however, you do not pay up within 28 days and the judgment is not set aside or appealed against, then it goes on your record and cannot be removed for six years but can be marked "satisfied"

      By your record, I mean that your name and address and details of the judgment are sent to Registry Trust and passed to the credit bureau like Experian and Equifax and anyone searching either the registry trust or credit bureau databases will discover the CCJ against you.

      To obtain a certificate of satisfaction in either of the above scenarios, the fee is £10.00 - another county court "scam" - it used to be £3 not to long ago!!!


        Thanks for the info. 99% certain I will win if it goes to court anyway and also completely willing to pay up if I don't, but good to know where I stand in the worst case scenario

        Thanks again!!


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