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County Court Judgments (England and Wales) – Details of County Court Judgments (also known CCJs) are supplied by the county courts to The Registry Trust (an independent organisation established via the Department of Constitutional Affairs) who maintain the statutory public register of CCJs. The Registry Trust notifies us of all judgments, satisfactions and cancellations on a regular basis and we update our files accordingly.
Scottish Decrees – Details of Scottish Decrees are supplied by the Sheriff’s Courts to The Registry Trust. The Registry Trust maintain a public register (by agreement with the Scottish Courts Service) containing all Small Claims and Summary Cause money decrees entered in the Sheriff’s Courts during the preceding six years. The Registry Trust notifies us of all decrees, recalls and dismissals on a regular basis and we update our files accordingly.
Bankruptcy Orders and Scottish Sequestrations – We obtain details of Bankruptcies from London Gazette or Stubbs Gazette and keep them on file for six years. Sequestrations are obtained from Edinburgh Gazette.
All types of County Court Judgment are recorded. Judgments issued in Scotland are known as Decrees.
There are several types of judgment that are not shown on credit reference agency files, including Liability Orders and CSA Orders.
Bankruptcy Orders & IVAs - We obtain details of Bankruptcies and IVAs from the London Gazette or Belfast Gazette and they are retained on our files for six years.
Scottish Sequestrations & Trust Deeds - We obtain details of Sequestrations and Trust Deeds from the Edinburgh Gazette and they are retained on our files for six years.
The London Gazette, Edinburgh Gazette and Belfast Gazette are all published by Her Majesty's Stationery Office.
Details of County Court Judgments and Decrees are supplied by the county courts in England and Wales, by the Sheriff's Courts in Scotland, and by the Northern Ireland Court Service, as appropriate, to Registry Trust Limited. This is an independent organisation established by the Lord Chancellor's Department for this specific purpose and which maintains the statutory public register of CCJs. Registry Trust notifies us of all judgments, satisfactions and cancellations on a regular basis and we update our files accordingly.
We will remove a judgment automatically six years after the original judgment date.
We can also remove a judgment if we receive confirmation from The Registry Trust Limited that it can be removed. The Courts will only allow removal of the judgment under the following circumstances:
You should contact the plaintiff (the individual or company to whom you owe the debt) to make arrangements to pay. We do not hold details of plaintiffs, but this information can be obtained from the county court concerned. You will need to quote your case number when you speak to them. Once you have paid the debt, you should ensure you receive a receipt or letter of confirmation from the plaintiff. You can then forward this direct to the county court along with the £15 statutory fee (payable to HMCS) and the Court will issue a Certificate of Satisfaction to you.
We retain judgments for six years from the date of judgment. If you pay the judgment within one month of the original judgment date, and obtain a Certificate of Satisfaction from the Court, then Registry Trust will advise us of the cancellation of the judgment and all records of that judgment will be removed from our records. If the judgment is paid in full after the first month and you obtain a Certificate of Satisfaction, the judgment will be marked as being satisfied and will remain on our records for six years from the date of judgment.
The information we hold is obtained from the public record, therefore we have no authority to amend or delete the information. If you wish to query the accuracy of the public record you should contact the county court concerned.
You should address your query to the Official Receiver who originally dealt with your case.
You should address your query to the supervisor of the individual arrangement.
In England and Wales, you should contact the county court concerned and ask for a Certificate of Satisfaction. The official fee for obtaining this certificate from the court is £15. Once the court issues a certificate, an amendment to the public record is made. Registry Trust will then notify us that the judgment has been satisfied and this will be reflected on our files. Alternatively, you may wish to send us the original Certificate of Satisfaction issued by the court to allow us to record the satisfaction on our files.
Satisfied judgments are retained on our files for six years from the original date of judgment.
In Scotland, you should send proof of payment from the pursuer to The Registry Trust Limited at the following address:
Registry Trust Limited
173/175 Cleveland Street
London
W1T 6QR
You should also enclose the statutory fee of £8.00, payable to Registry Trust Limited, the address at which you were living at the time the Decree was entered and the case number, if known. If the documentation you provide is satisfactory Registry Trust will amend their records and will notify us of the change. We will then satisfy the Decree on our files. Satisfied Decrees are retained on our files for six years from the date the Decree was issued.
For Northern Ireland County Court Judgments, you should supply written confirmation of payment from the plaintiff direct to us. Please also include your address at the time the judgment was entered, the date and amount, and the case number if known. We will contact you to confirm whether we have satisfied the judgment.
Registry Trust will normally inform Callcredit within one month of the judgment or Decree being paid. When confirmation is received we will remove all record of the judgment or Decree from our records.
For judgments in England and Wales, where this has not occurred you should contact the county court concerned and ask for a Certificate of Satisfaction. The official fee for obtaining this certificate from the court is £15. Once the court issue a certificate, an amendment to the public record is made. Registry Trust will then notify us that the judgment has been cancelled and all record of the judgment will be removed from our files.
For Scottish Decrees, where this has not occurred you should send proof of payment from the pursuer to The Registry Trust Limited at the following address:
Registry Trust Limited
173/175 Cleveland Street
London
W1T 6QR
You should also enclose the statutory fee of £8.00 payable to Registry Trust Limited, advise them of the address where you were living at the time the Decree was entered and the case number, if known. If the documentation you provide is satisfactory, The Registry Trust Limited will amend their records and will notify us of the change. All record of the Decree will then be removed from our files.
For Northern Ireland judgments, where this has not occurred, you should supply written confirmation of payment from the plaintiff direct to us. Please also include your address at the time the judgment was entered, the date and amount of the judgment, the case number if known and the date you paid the judgment in full. We will contact you to confirm whether we have removed the judgment from our records.
You should forward us your original Certificate of Discharge or Annulment, or documentation from the Insolvency Service or Official Receiver and we will update our records to reflect this.
If you consider the judgment/Decree to be inaccurate, you should write to The Registry Trust Limited at the following address enclosing the statutory fee of £8.00 payable to Registry Trust Limited:
Registry Trust Limited
173/175 Cleveland Street
London
W1P 5PE
They will notify us if an amendment is required.
If the judgment was from a Northern Ireland Court, and you consider the judgment to be inaccurate, you should write to us, enclosing all related correspondence, explaining why you believe the judgment is inaccurate.
This is information held in the 'public domain' including County Court Judgments, Scottish Decrees, Bankruptcy and Insolvency records.
A County Court Judgment ('CCJ') is the final decision of a county court requiring the payment of a sum of money by one party to another.
